Thank you.
Although we are regulated by the BCFSA, we often take into account OSFI's guidelines. We are still a large financial institution. For example, we do stress tests and we are supportive of the B-15 guidelines.
We already disclose our emissions, and we have been doing a lot of work to better understand scope 3. We do not yet have the best data, so we are working on that. We have conversations with other financial institutions across the country. Yes, it does take resources, but it's important.
For us, it's extremely important as we think, twofold, about climate risks on us as an institution, and then about the emissions we are part of in the lending we provide to our members.