I would answer that the banks are setting net-zero targets and have to track progress against those targets. It has been voluntary up until this point. Our largest banks have adopted the task force and climate-related financial disclosure recommendations, which include that scope. Now they will also be mandated, under OSFI's guideline B-15, to disclose that information.
They're doing it on a voluntary basis already. It will become mandated for all banks in Canada, as I said in my opening remarks, starting at the 2024 fiscal year-end for the largest banks and the 2025 fiscal year-end for the small and medium-sized banks.