With regard to the work we did to benchmark ourselves against other jurisdictions, this is something we spent a lot of effort doing. Just to give you some hard evidence from some of our peer jurisdictions, for example, the U.K. has had similar guidance in place since 2019. The European Union, under the European Central Bank and the European Banking Authority, has had these expectations since probably 2020 and is now supervising its financial institutions against those expectations and incorporating the effectiveness of climate risk management in the risk assessments that the European Central Bank and the European Banking Authority are doing.
What B-15 did was raise our expectations and bring us in line with what's happening with our G7 and G20 partners.