But which risks keeping you most focused today?

Today's risk landscape is more interconnected and faster moving.

And if you look at the geopolitical environment, for example, the downstream impacts on supply chain and energy have a big impact.

When you look at extreme weather, of course, we think about what we see on TV and how we can help societies there.

But it also has an impact on productivity and supply chain again.

When we go to the liability environment, particularly in the US, the cost of society from the legal system abuse is over $4,000 per household.

And society picks this up at the gas station and at the grocery store.

So then are there any particular regions or line of business where you see the greatest opportunities or even the greatest challenges over the next 12 months?