Now, what kind of risks are we talking about? The Hon David Clark, who I thank for leading on this bill and bringing it to the House, described two forms of risk, one of which is what you would describe as physical risk. That's, as I mentioned before, things like floods, fires, droughts, storms, sea level rise, and so on, which could threaten the physical assets of a business. And having listened to this debate, one of the things I want to note is that this isn't just about the emissions that a company produces. You could be a zero-emission business and still be at risk because your assets, your business, are at risk from those physical risks. So you could be an absolutely perfect player in terms of your own pollution that you put into the atmosphere but still be facing material risk. So that's one form of risk.