I would say that there is absolutely a focus on climate change in our business and our industry. The focus relates to what it means for housing, naturally, and what it means for house values, because that is a clear driver of our businesses overall.
The issue that comes up is on insurability of homes. When you think about the frequency of events that have occurred, the nature of events that have occurred, it's not clear that there will always be property and casualty insurance coverage for these events, in particular going forward. I think that has ramifications on whether or not lenders are willing to lend in certain parts of the country. That's something that I think we are certainly vocal on, and we are in collaboration with lenders and insurers to think about what the options are, all of the implications, on what climate change means to having property coverage in the future.
It also factors into our stress testing. In terms of our overall financial strength and the amount of capital we hold, we run scenarios that look at significant natural disasters in certain areas of the country and what that would mean, from a loss payment or claim payment point of view, and what that means for our capital adequacy.