We would absolutely agree that it's an investment. It's an investment in our people, our clients and the communities we support. It is good for the people and good for the communities, and it is good for business as well.
In terms of the actual cost, I would agree with Professor McColl. On average, it is surprisingly not as expensive as many people would think to accommodate people. That's because a lot of accommodation costs nothing in terms of hard costs. It's a schedule adjustment. It's putting somebody's workstation near a window rather than in the middle of the room. It can be a variety of things that are easily achieved without much cost.