Jim and Betty are having problems getting house insurance because coastal erosion from the North Sea has accelerated near their home in recent years. The construction of sea defenses in the village of Mappleton 6 km south of their property has caused erosion rates to increase by 6 times on the unprotected land to the south. Last year, part of their garden shed fell over the eroding cliff edge. Insurance companies do not want to take on the risk of covering property that may fall into the sea due to accelerated coastal erosion.