I'll answer the second part of your question first. Measuring the exact cost is not something we've asked them to do. The institutions we regulate are more than happy to come to us to tell us what the burden is.
To go more deeply into that question, I'd like to reference one key aspect of our system. We have some very large financial institutions that have economies of scale with regard to disclosure, and then we have some very small ones. When we designed this guideline, we designed it with that in mind, so to help them manage their increased costs, we've given smaller institutions an extra year to come into compliance with disclosure.
With regard to the larger institutions, they're already.... If you look at large insurers or banks, their quarterly reports are 200 pages or more, so adding additional disclosure around climate change, given that there is already substantial scale built into disclosure, we don't think will be material to them.