. >> dorothy, boston university institute for sustainable energy. you didn't talk about the role of the insurance industry. shouldn't-- i mean, i'm looking for people who are -- who have a financial incentive to do something and they're an obvious one. >> dorothy, thank you for the question. during the focus project in thinking about the paper, i dug a little bit into the insurance industry. what i discovered was a certain amount of cynicism about the economic incentive that comes from insurance coverage. basically most policies are rerated and repriced annually, so that commercial real estate in insurance or business continuity insurance basically, they have predictive models to establish a baseline insurance rate, but because they're not-- the premiums aren't fixed. it's not like buying a life insurance policy where a flat-- like where tia craft gets you the same rate. insurance is rerated annually or every two years. while some of the insurance companies do great jobs of predicting, they're predicting the next five years and that's all they care