We do, for the most part, in our most densely populated areas. It’s just not cost effective elsewhere even taking into account disaster risks and rebuilding cos

We do, for the most part, in our most densely populated areas. It’s just not cost effective elsewhere even taking into account disaster risks and rebuilding costs. However, there are probably some areas - especially small towns and the dense semi-suburban outer shells of major cities - where we don’t but it might be cost effective.