Thank you, Mr. Chair.
Thank you to all of the witnesses for their testimony.
My first question is for Ms. Orlando and the climate lobby. Recently the Citizens' Climate Lobby published an article on the uninsurable world and really highlighted how the increasing severity of flooding, of droughts, of these kinds of extreme weather events has some pretty detrimental impacts when it comes to insurance, including insurance company bankruptcies; elevated consumer prices; increasing publicly funded compensation, meaning that the damages are being paid directly by taxpayers; and the withdrawal of insurance coverage. I'm wondering if you could tell us a little bit more about this and how we are at risk as regions become uninsurable.