The analysis proposed, just to be clear and straight, would be a second-order analysis. In other words, the first wave of analysis will be understanding the extent of a financial institution's exposure to assets or investments that have an emissions component to them, and then trying to understand, all right, what happens over time as the cost of those emissions goes up.
That's the first step, I think, and then in time, if I were a bank's CEO or chief risk officer, I'd want to start asking what the impact is on the consumer wallet and how that might affect consumer well-being and, ultimately, consumer credit quality. Then you might start to see people asking that creative analytical question: Can we forecast out what the benefits are to the consumer wallet, and how I am benefiting? We're a ways away from that, though.