Europe is an interesting model. It may not be one that can be directly applied to Canada, but their approach in taking a whole-of-government look at how you can accelerate investment for the low-carbon transition is important. They have thought about sustainable finance, as you are doing now, across different government actors, and have thought not only about costs but also incentives and opportunities. That, I think, is an important example that Canada can take. There are examples from around the world, too, about what works. Perhaps the U.S. example might be of interest with tax credits. It all depends on domestic circumstances.
It's certainly not too late. If anything, now is a good time to see how to increase progress, as the IPCC report indicates. So we all need to move faster.