I'm just going to underline that typically we have an economic model and we estimate it on historical data. For example, we've raised and lowered interest rates many times, so we can empirically estimate that if we raise interest rates, this is what it does to the economy, and if we lower interest rates, that's what it does to the economy.
We haven't had climate change before, so it's very hard to come up with good estimates, and if anybody says that they have a forecast of exactly what the cost is going to be, frankly, I think you'd want to be a little bit skeptical. Probably the best we can do is provide some scenarios and give some range of the costs. We are working on that, but it is somewhat outside of the way we normally do things, because we normally use past fluctuations to estimate what we think will happen again.