I've lived near the coast for fifteen years, and the tidal flooding on my street has turned from a rare nuisance into a monthly occurrence. When I check insurance quotes now, several companies won't even write a policy for properties below the new flood line. I'm trying to figure out if this is the new normal we should all be planning around, or if we're still in a window where adaptation can actually keep pace. What are you seeing in your own community, and does it change how you think about the urgency of cutting emissions?