Mr. Philip Bradley:

I am happy to take that question. There are two points I wish to make. Clearly, if the insurance products cover damage that lies at the heart of climate change, we would pay those claims and that is reflected in the premiums we charge. Second, from the group perspective, we are in the top two or three in the world in taking action on climate change in the context of where we invest our money and the significant action we are taking in that regard. Yes, it is reflected in premiums. We are also very practically contributing to that subject.