There are two parts to climate change. There's physical risk and there is transition risk.
On physical risk, through the insurance industry we have a sense of what the increase in catastrophes and the cost of the catastrophes are as a result of climate change. The Insurance Bureau of Canada does great work on that.
Where we are less certain is on what the impact of transition risk might be, the impact of stranded assets if they were ever to arrive. The purpose for our climate risk returns is to begin to empirically measure what that risk is so that boards of directors can make informed decisions. That's the gap we're trying to close through guideline B-15.