 Second is that because these are largely agrarian economies, they also are more vulnerable to climate disasters. So the economic livelihoods of individuals are much more tied to climate than they are, say, in the United States. In the United States, there's about less than 3% of the workforce is directly involved in agriculture. In India, it's a much higher number. And so what you end up seeing is that distinction really matters because livelihoods are less climate sensitive in the U.S. than they are perhaps in other parts of the world.