The rules have just been changed for the owners of damaged homes in Christchurch
You live in Christchurch in a broken home. There are cracks in the walls and in the ceiling.
Some windows don't open. Some doors don't close.
The Earthquake Commission (EQC) says your house will be repaired, but can't tell you when.The weeks turn into months, the months into years, so you decide to organise your own builder to get the job done.
It's called "opting out" and EQC has been happy for you to use it as a way of getting your home fixed.
But this week the rules changed. Now if you opt out, you'll have to pay for the repairs up front. Then wait - who knows how long - to be reimbursed by EQC.
Campbell Live asks them why they've made this change, and Tristram Clayton looks at how it affects those living in broken homes.