We certainly recognize the impact on our business. I'm not aware that we're tracking the impact of it on the business. In part, the reason may be that its cost for our business is a little more indirect than for the P&C insurers. When you have a natural disaster, the impact is quite evident for them, whereas in our business, the impact is more secondary. In the aftermath of a climate change event, you may have changes to disability claims, for example, and you would need to be able to track that.
What I'm saying is that I'm not aware that we do that at this stage, and it might be because of the more indirect effects than the direct effects in the P&C sector.