First of all, we're believers in climate change. We think climate change is happening. Second, it's a very complicated risk, which affects many aspects, and one of the challenges is understanding all the risks. Whether it's the physical and geographical changes or regulatory changes or consumer behaviour changes, there are a whole variety of changes we have to assess for every investment we take on, so we look at every investment we make through that lens to understand all the risks. Our investment mandate is to maximize returns without undue risk of loss.
Everything we look at, we look at through that lens of risk and return. We have to make sure we're being sufficiently compensated for all of those risks we're taking on, that we have an adequate return on the investments.