There are two examples of this I want to make that I think don't make a lot of sense. The first is a bank that lends predominantly in the housing sector, and perhaps they have portfolios that look to lend to build houses, beachfront sea resorts, or hotels for the tourism sector. Well, they're going to have to go out and have an assessment done as to whether or not climate change will have an impact upon those assessments based on sea-level rise or, more than that, Government policy that makes it more expensive, more difficult to build at some point close to the sea, because of the Government's view or a council's decision as to whether or not, with sea-level rise, that is something that is acceptable—putting aside that, actually, the banks themselves already have to consider risk.