What that means is that they cannot price risk, they cannot allocate capital in a way that makes sense. Of course, you know, as the previous speaker mentioned, it doesn't necessarily mean that they're not going to continue investing in oil and gas or in other industries that are exposed to those risks, but they can at least price that risk according to the scale of the challenge that is in front of them. But, of course, the safest thing to do is to allocate your capital to low emissions businesses that are resilient to the effects of climate change. 