Given that the management of climate-related risks is relatively nascent, our understanding of the trajectory of how these risks will manifest within our system is evolving. We felt it was important to signal to the market that guideline B-15 will be iterative. It will be evergreen, and B-15 in March was simply the first two chapters of that evolution.
We felt, in the spirit of transparency, that we would tell the market and tell industry that we are continuing internal efforts to understand how to incorporate climate scenario analysis, for example, to understand the data needs that institutions will require. There's an evolution in the thinking, and we're simply saying that there might be additional chapters that could touch on things like scenario analysis, capital, liquidity and other topics.