to that end, the company’s Risk Management Framework has been designed to: (“limits”) are in place to govern our risk-taking activities across all businesses and risk types; 2) ensure that our risk management principles permeate the company’s culture and are incorporated into our strategic decision-making processes; 3) ensure rigorous monitoring and reporting of key risk metrics to senior management and the board of directors; and 4) ensure that there is an ongoing, and forward-looking, capital planning process to support our risk-taking activities.