We have done some initial internal work on the risks of biodiversity, and our view is as follows. It is still a fairly underquantified risk, not just in terms of our technical focus, which is credit risk, liquidity risk and all that, but in terms of its impact on the economy. As the Bank of Canada progresses its work into biodiversity laws, we'll have to think about that and do some scenario work to determine how biodiversity laws might have second- or third-order effects.
I'll leave it there.