I think there are a few root causes for that one.
Sometimes it could be linked to the technology and that the technology is more new or not as well tested. You see that a lot in the clean technology space. Then, it's actually introducing it into larger producers. Early adoption of technology isn't something that the market necessarily does, either the financial market or the companies themselves, so that's one of the reasons why you see that.
I think the other one, which one of your other fellow committee members mentioned, is the actual taxonomy. One thing we don't have is a Canadian taxonomy; we didn't necessarily have even Canadian stress test parameters. So getting it into the language of the Canadian financial community and the investing community is really important. It was one of the reasons we went out first with our sustainable bond framework, to do that specifically, to actually put a taxonomy and language out there.
I fully expect that as conditions change, as I hope we see an acceleration towards 2050, the taxonomy will need changing. At the very least, it establishes a baseline. In working with our two partners, BMO and RBC, as well as getting it externally rated, we hope that will put confidence into the market and allow other financial players to come in. In that instance, we see ourselves as leading to try to encourage other investors.