There are roughly two types.
There are physical risks, such as flooding and forest fires. Obviously, those have very direct impacts on people and their livelihoods. They also disrupt transportation.
Then, as the senior deputy governor said, there are transition risks. We'll have less use of fossil fuels. We'll have a lot more electricity. That's just one example. There are some big adjustments that need to take place. How will those play through in the economy?