thank you very much for speaking to us, kevin mcmanus, and i think thatjust reinforces, of course, thes, which continues. we know those winds are not over, those blazes are continuing. really drastic and dire situation.— really drastic and dire situation. , ., ., situation. many thanks, helena humphreys_ situation. many thanks, helena humphreys reporting _ situation. many thanks, helena humphreys reporting from - humphreys reporting from pasadena in california. the cost of rebuilding after these fires is likely to be in the tens of billions of dollars. i asked davejones, california's former insurance commissioner, former insurance commissioner, for his assessment. most people have insurance, but as has been widely reported, private insurers some time ago, and with increasing ferocity, began to non—renew homeowners. we do have what is called the california fair plan, which is the insurer of last resort to which homeowners and businesses can go if they can't get private insurance, and that is where many have gone. to give you some idea of when i left office in 2018, they had about 180,00