diff --git a/05-general/05-externality-exchange-auction.md b/05-general/05-externality-exchange-auction.md
index 9cbc56e..5130318 100644
--- a/05-general/05-externality-exchange-auction.md
+++ b/05-general/05-externality-exchange-auction.md
@@ -10,8 +10,10 @@ All property expropriated by government as a result of court judgments shall be
 
 ### Disallow government from incentivizing the settling of high risk areas:
 
-Government shall have no power to subsidize any form of natural disaster insurance or incentive to encourage increased settlement of a geographical area which
-would otherwise have been less attractive for settlement.
+Government shall have no power to initiate vicious cycles of perverse incentives by subsidizing any form of natural disaster insurance or creating incentives to
+encourage increased settlement of a geographical area which would otherwise have been less attractive for settlement.
+
+_This shall not be construed to grant government the power to impose bans on the settlement of areas which are less attractive due to their geography._
 
 _This shall not be construed to prevent the `SovWI` branch from establishing military bases, fortifications or other necessary infrastructure in remote or
 unattractive geographical locations in accordance with the published war readiness plan._