Yes.
Over time, there will be a rising burden around scenario analysis. The diligence and risk intelligence that will come out of that will produce lower credit costs, we believe, over time, which will more than pay for the additional costs.
Even if we didn't oblige them in the way we have in B-15, which I acknowledge, whether it was for their board of directors, for bondholders of the fixed-income instruments they issue or for their equity holders, they'd be doing this analysis. It's sound, sensible, prudential management to understand and try to quantify climate risk and the impact it might have on your book of business.