First of all, banks are doing a lot. Second of all, banks need to do a lot more. The third thing is that the Canadian banks signed on, largely, to the net-zero banking alliance, which was concentric with the Glasgow COP at the end of 2021. It was at that point, at the end of 2021, that they were making their commitments to align, so we are relatively early in that journey of dealing with clients and changing processes, systems and orientation.
