The risks identified through these channels include:  •  Changes in societal attitudes, such as work ethic, motivation, or stability, can significantly affect the demand for and underwriting results from our products;  •  Claim incidence and claim recovery rates may be influenced by consumer confidence, the emergence of new infectious diseases or illnesses, medical improvements, and general health impacts for demographic changes; and  •  Physical risks related to changes in weather events and shifts in climate, as well as transition risks related to the process of adjusting toward a lowcarbon economy.