There are a number of companies in Aotearoa New Zealand that have led the way on this. There are probably about a dozen that have produced some form of report in the past. I'll just draw on one so far, which drew my attention, although I want to acknowledge that there are others as well. Over this last summer, Westpac produced their first climate risk financial disclosure statement, and one of the things that they disclosed in that is that in their view about 2 percent of their mortgage book is exposed to climate risk. And that was new information to them. Now, you might say 2 percent doesn't sound like much, it's not a lot, but if you know how the balance sheets of large banks operate, if it gets to about 9 percent exposure, they start to experience access-to-capital problems. So 2 percent is not actually that far away as presenting material risk. So you can see that that information actually then becomes extremely useful for them to start to be able to move forward.