Thank you for that.
I just returned from three days at the Clean Energy Ministerial, CEM10, which just wrapped up. Twenty-five ministers from around the world came to talk about clean energy, and of course a lot of the conversation was around climate change. As Canada was hosting this year, what we did was bring in 70 young people so that we could listen to them and their concerns about climate change, their concerns about government and businesses and how we are recognizing that risk, and how we are addressing it in a way that will ensure that they have infrastructure and other things that will withstand what we know is going to be a challenging time.
The Insurance Bureau of Canada has said that last year there was $1.8 billion in insurance-related payouts related to climate change.
You talked a lot about infrastructure. Can you talk a little bit about how you actually factor that risk into what you're doing, particularly with regard to infrastructure, because infrastructure is a huge piece of your portfolio?