So amongst all these events, which would you say is the hazards that concerns you the most over the next 20, 30 years? Is it hurricanes, flooding, wildfire, heat or something else? And if we can put it in a different way, if you had to bet your own money on one climate related risk becoming substantially worse over the next 20, 30 years, what would it be?

Okay, well, the questions are probably connected, but there's a lot that worries me, that keeps me up at night.

But I will say, I think many, many things are increasing.

The extent to which climate change is having a role, like I said, remains to be seen.

But the picture will become clearer as time progresses and, unfortunately, as climate change progresses.

I think flood is the biggest problem.

Floods can happen anywhere, even in drought-stricken areas, and that poses another potential problem.

are becoming effectively uninsurable?