Thank you very much.
My last question is for Mr. Fadden.
Mr. Fadden, thanks very much. I always appreciate your insight, especially because you're a former national security adviser to two prime ministers.
With regard to the point that you made—I mean, you made a number of points—what stood out to me was when you said there are so many potential crises: natural disasters, climate change and its effects, health crises as we're seeing unfold right now. Do you have any advice on what the best way forward would be to prepare, from a financial perspective, for all these different emergencies? Is there a risk that there's a guessing game that's played out? How do you decide where to put the eggs? You don't want to put them in one basket, but at the same time, how do you logically prepare for any number of crises? Is it a matter of predicting this? Is it a matter of probability? Do you have to choose one over others? Do you have any thoughts on that?