As a credit union, Vancity is member-owned, so we know our members want us to think about climate transition broadly, and about getting to net zero.
We also know that we cannot hit those targets on our own, and we need our members to act. Ultimately, as a financial institution, we are the intermediary. The member needs to be the one to act. We are working very hard on products, services and partnerships that will allow them to act and make those changes, which many want to do but don't know where to start.
I think that broadly there's a very large opportunity. Opportunity is always the other side of risk and vice versa, so yes, we believe there are going to be new ways to think about products and about how to enable and help business owners and individuals. Even though thinking about the risks is extremely important, it's one element of the work ahead.