I want to, first of all, start by thanking, as we do, the many submitters who have come before the committee and put forward their thoughts. I also want to just acknowledge that this is a ground-breaking piece of legislation here. This is a first-in-the-world piece of legislation: the ability to be able to require financial institutions to be able to disclose the impacts of climate change on their business and explain how they're going to manage that. The previous speakers said it; there are some businesses that are already doing that and I congratulate them. 