The examples we've seen—primarily in Singapore and, to a lesser extent, in the U.K.—are through the consultative and collaborative process between market participants, if you will, and the applicable regulator. It's done on an iterative and ongoing basis to see how the application of those principles is occurring and where there are deficiencies or challenges in the application of those principles.
As we become more and more aware of where the risks are materializing, we will start to see a greater emphasis on regulation, with stronger enforcement. It may also be that for regulators, we will need to augment certain enforcement capabilities so they are able to exercise whatever jurisdiction they have in the application of their particular sector or body of regulation and AI.