 And what that tells us is that these inexpensive cash transfers, relatively inexpensive cash transfers can play a very major role in adaptation to climate change. And what that means from the U.S. standpoint is that this is a very cost-effective investment from a national security standpoint. But how much reassurance is that? Some people wonder if it's already too late to do something about climate change and ensure our survival. But Garg says that's not the right perspective.