"It's another level of armour and I feel like a superhero on the inside now."
One option involves a 24.5 percent increase.
"It can be years down the track that things pop up, you know, you just can't ask him a question."
"They represented a lot of safety and stability to me."
At 12:51pm 10 years ago on Monday, Christchurch was changed forever.
"You displayed great fortitude in the face of sudden, overwhelming loss."
Ten years on and these recordings are a raw reminder of that fateful day.
As New Zealand remembers the disaster a decade on, here is a look back at the devastation.
Parts of the CBD are fantastic and unique - yet empty vacant lots make it still look like a warzone, says Duncan Garner.
It was filmed by television news crews on the ground in the city at the time.
I just thought, 'I'm not sure how much more of this I can take.'"
"He was a wonderful guy - he would have done a lot of very clever things by now that we will just never get to see."
It's been a decade since the magnitude-6.3 earthquake struck that killed 185 people.
"They actually cared about the people they were working with, they treated us very, very well."
"The calls started coming in, and then you realised that this was a totally different kettle of fish."
A total of 115 people died when the building collapsed following the Christchurch earthquake in 2011.
When rescuers found her, she was still clutching the hand of her brother who didn't survive.
Holly Henry has this report.
Here's the events.
Residents are also facing shorter library hours.