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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-nzz6r005.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-scene nx-es-scene\" data-scene=\"text\" data-ground=\"none\" data-es-org=\"gra\" aria-labelledby=\"nx-scene-title\"><div class=\"nx-scene-intro nx-es-intro\"><p class=\"nx-eyebrow\"><abbr title=\"The Global Risks Alliance\">GRA<\/abbr> \u00b7 Actuarial and Quantitative Risk<\/p><span class=\"nx-scene-rule\" aria-hidden=\"true\"><\/span><p class=\"nx-scene-accent nx-es-sig\"><strong>Spatial finance<\/strong><span>Where capital meets hazard, exposure and transition<\/span><\/p><h1 id=\"nx-scene-title\" class=\"nx-scene-title\">Regional subject applications<\/h1><p class=\"nx-scene-lede\">Regional quantitative work examines how perils correlate across borders and how pooled covers spread risk.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/write-to-us\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/programmes\/\">Back to Programmes and projects<\/a><\/div><\/div><\/section><section id=\"nx-s-1-sec\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Workspace<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">The workspace for regional subject applications.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-es-fig\" data-es-layout=\"console\"><div><div class=\"nx-window\"><div class=\"nx-window-bar\" aria-hidden=\"true\"><span class=\"nx-window-dots\"><span><\/span><span><\/span><span><\/span><\/span><span><strong>GRA<\/strong> \u00b7 Actuarial and Quantitative Risk \u00b7 Programme board<\/span><span class=\"nx-window-note\">Illustrative<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-actuarial-programme-board\" data-cx=\"actuarial.programme-board\" data-variant=\"hero\" aria-label=\"Programme board: illustrative console with example names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Programme board<\/h3><p class=\"nx-fk-sub\">Reserving team \u00b7 Regional subject applications \u00b7 Cycle 2 of 4 \u00b7 Example interface, not a record<\/p><\/div><\/div><ul class=\"nx-fk-kpis\" data-n=\"4\"><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Workstreams active<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k0\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">6<\/span><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>Active<\/span><\/div><div data-fk-view=\"spark:k0\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,11.7L10.2,17.8L18.4,14.9L26.5,3L34.7,9.3L42.9,3.4L51.1,12.2L59.3,23L67.5,17.5L75.6,6.8L83.8,19.1L92,4.4L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,11.7L10.2,17.8L18.4,14.9L26.5,3L34.7,9.3L42.9,3.4L51.1,12.2L59.3,23L67.5,17.5L75.6,6.8L83.8,19.1L92,4.4\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"4.4\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Milestones due this quarter<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k1\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">4<\/span><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Watch<\/span><\/div><div data-fk-view=\"spark:k1\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,20.8L10.2,15.6L18.4,15.9L26.5,4.6L34.7,3L42.9,8.9L51.1,3.2L59.3,13L67.5,23L75.6,14.9L83.8,19.9L92,5.5L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,20.8L10.2,15.6L18.4,15.9L26.5,4.6L34.7,3L42.9,8.9L51.1,3.2L59.3,13L67.5,23L75.6,14.9L83.8,19.9L92,5.5\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"5.5\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Decisions pending with owners<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k2\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">3<\/span><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Watch<\/span><\/div><div data-fk-view=\"spark:k2\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,14.7L10.2,19.2L18.4,20.5L26.5,19.2L34.7,18.2L42.9,23L51.1,21.6L59.3,13.9L67.5,7.4L75.6,7.5L83.8,3L92,5.6L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,14.7L10.2,19.2L18.4,20.5L26.5,19.2L34.7,18.2L42.9,23L51.1,21.6L59.3,13.9L67.5,7.4L75.6,7.5L83.8,3L92,5.6\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"5.6\" r=\"2.4\"\/><\/svg><\/div><\/li><li class=\"nx-fk-kpi\"><span class=\"nx-fk-kpi-l\">Open risks<\/span><div class=\"nx-fk-kpi-line\" data-fk-view=\"kpi:k3\"><span class=\"nx-fk-kpi-v\" data-k=\"kv\" data-tn=\"true\">12<\/span><\/div><div data-fk-view=\"spark:k3\"><svg class=\"nx-fk-spark\" viewBox=\"0 0 96 26\" aria-hidden=\"true\" focusable=\"false\" preserveAspectRatio=\"none\"><path data-m=\"sarea\" data-k=\"sa\" d=\"M2,23L10.2,21.2L18.4,21.5L26.5,17.8L34.7,11.1L42.9,4.8L51.1,6.3L59.3,3L67.5,4.6L75.6,9.8L83.8,3.3L92,7.8L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,23L10.2,21.2L18.4,21.5L26.5,17.8L34.7,11.1L42.9,4.8L51.1,6.3L59.3,3L67.5,4.6L75.6,9.8L83.8,3.3L92,7.8\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"7.8\" r=\"2.4\"\/><\/svg><\/div><\/li><\/ul><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"info\"><i aria-hidden=\"true\"><\/i>Quarter review due<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Actuarial and Quantitative Risk<\/span><\/div><div class=\"nx-cx-grid\"><div class=\"nx-fk-panel nx-cx-p\" data-w=\"6\" data-t=\"kanban\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Workstreams<\/h4><p class=\"nx-fk-panel-sub\">by stage<\/p><\/div><\/div><div class=\"nx-cx-kb\" data-n=\"4\"><div class=\"nx-cx-kc\"><div class=\"nx-cx-kh\"><span>Scoping<\/span><span class=\"nx-cx-ref\">02<\/span><\/div><div class=\"nx-cx-card\"><span class=\"nx-cx-ct\">Experience analysis<\/span><span class=\"nx-cx-cm\"><span class=\"nx-cx-ref\">WS-551<\/span> \u00b7 owner: Chief financial officer<\/span><\/div><div class=\"nx-cx-card\"><span class=\"nx-cx-ct\">Mortality basis review<\/span><span class=\"nx-cx-cm\"><span class=\"nx-cx-ref\">WS-497<\/span> \u00b7 owner: Appointed actuary<\/span><\/div><\/div><div class=\"nx-cx-kc\"><div class=\"nx-cx-kh\"><span>In delivery<\/span><span class=\"nx-cx-ref\">02<\/span><\/div><div class=\"nx-cx-card\" data-s=\"watch\"><span class=\"nx-cx-ct\">Quarterly reserving<\/span><span class=\"nx-cx-cm\">Milestone M<span class=\"nx-cx-n\">3<\/span> \u00b7 slipping<\/span><\/div><div class=\"nx-cx-card\" data-s=\"live\"><span class=\"nx-cx-ct\">Pricing model update<\/span><span class=\"nx-cx-cm\">Milestone M<span class=\"nx-cx-n\">4<\/span> \u00b7 on plan<\/span><\/div><\/div><div class=\"nx-cx-kc\"><div class=\"nx-cx-kh\"><span>Review<\/span><span class=\"nx-cx-ref\">01<\/span><\/div><div class=\"nx-cx-card\" data-s=\"ok\"><span class=\"nx-cx-ct\">Capital model validation<\/span><span class=\"nx-cx-cm\">Independent reviewer named<\/span><\/div><\/div><div class=\"nx-cx-kc\"><div class=\"nx-cx-kh\"><span>Closed<\/span><span class=\"nx-cx-ref\">01<\/span><\/div><div class=\"nx-cx-card\"><span class=\"nx-cx-ct\">Reserve range study<\/span><span class=\"nx-cx-cm\">Closure note on record<\/span><\/div><\/div><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"6\" data-t=\"steps\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Gates<\/h4><\/div><\/div><ol class=\"nx-cx-steps\" data-n=\"7\"><li data-st=\"done\"><span class=\"nx-cx-sn\">Request<\/span><span class=\"nx-cx-snote\">owner named<\/span><\/li><li data-st=\"done\"><span class=\"nx-cx-sn\">Scoping note<\/span><span class=\"nx-cx-snote\">boundary<\/span><\/li><li data-st=\"done\"><span class=\"nx-cx-sn\">Qualified<\/span><span class=\"nx-cx-snote\">inputs<\/span><\/li><li data-st=\"now\"><span class=\"nx-cx-sn\">Build<\/span><span class=\"nx-cx-snote\">Foundry<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Test<\/span><span class=\"nx-cx-snote\">controlled<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Publish<\/span><span class=\"nx-cx-snote\">with limits<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Decision<\/span><span class=\"nx-cx-snote\">authority<\/span><\/li><\/ol><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Programme board.<\/span><span data-honesty=\"true\">Illustrative interface; not live data.<\/span><\/figcaption><\/figure><\/div><\/div><p class=\"nx-caption\"><strong>Actuarial and Quantitative Risk \u00b7 Programme board.<\/strong> <span>Programme board: example names and illustrative values, not a record.<\/span><\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-scope\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Scope<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">Regional applications in Actuarial and Quantitative Risk.<\/h2><\/div><div class=\"nx-section-body\"><ol class=\"nx-rows\"><li><span class=\"nx-eyebrow nx-index\">01<\/span><div><h3 class=\"nx-h4\">Loss distributions<\/h3><p class=\"nx-p nx-mt-1\">Frequency, severity and aggregate loss, and how tails are estimated.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Extreme value methods<\/h3><p class=\"nx-p nx-mt-1\">Tail estimation for hazards, markets and operational losses.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Climate-adjusted pricing questions<\/h3><p class=\"nx-p nx-mt-1\">How non-stationary hazard changes pricing assumptions.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Credibility and sparse data<\/h3><p class=\"nx-p nx-mt-1\">Working where loss history is short or missing.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">05<\/span><div><h3 class=\"nx-h4\">Dependence and correlation<\/h3><p class=\"nx-p nx-mt-1\">Copulas, contagion and why correlations break in stress.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">06<\/span><div><h3 class=\"nx-h4\">Capital and solvency models<\/h3><p class=\"nx-p nx-mt-1\">Internal models, standard formulas and their assumptions.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><div class=\"nx-live-slot\" data-nxf-slot=\"workflow\" data-nxf-kind=\"workflow\" data-nxf-resource=\"nexus:\/\/gra\/A-P11\/programmes\/regional\/#workflow\" data-nxf-title=\"Programme state\" data-nxf-height=\"520\" hidden><\/div><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Geography<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Hazards and exposure in Japan and Korea.<\/h2><p class=\"nx-lede\">Population density, flood water and active fires over Japan and Korea, from NASA GIBS. Each layer carries its own date.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-cmap-field\" data-nx-map=\"ctx-field\" data-cmap=\"japan-korea:risk\" data-ml-points=\"on\" data-ml-feeds=\"eonet|https:\/\/eonet.gsfc.nasa.gov\/api\/v3\/events\" data-ml-src=\"risk\" data-ml-plan=\"p-d8077a61\" data-ml-view=\"2d\" data-ml-ctx=\"theme:risk\" data-ml-list=\"gibs.health.people gibs.water.flood gibs.energy.fires gibs.energy.ntl gibs.health.lstd gibs.water.true ev.eonet ev.usgs r.hbase r.dnb r.labels r.hls gx.ems gx.nhc\" data-ml-tools=\"inspect measure compare export\"><div class=\"nx-wm\" data-nx-water=\"ctx-risk\" data-wm-domain=\"ctx-risk\" data-wm-tiles=\"on\" data-wm-flat=\"on\" data-wm-focus=\"124,30,146,45.6\" data-ws-live=\"off\" data-claim=\"INTEGRATED\" data-wm-panel=\"closed\" data-wm-mode=\"2d\"><div class=\"nx-wm-stage\" tabindex=\"0\" role=\"application\" aria-roledescription=\"interactive map\" aria-label=\"Hazards and exposure, Japan and Korea: satellite and model layers from NASA on a 3D terrain of ASTER GDEM elevation. Arrow keys move; with Shift they turn and tilt in 3D; plus and minus zoom, 0 resets; I inspects, question mark lists the keys.\" aria-describedby=\"nx-wm-help\"><canvas class=\"nx-wm-canvas\" aria-hidden=\"true\"><\/canvas><p class=\"nx-wm-noscript\">The interactive map needs JavaScript; the layer list and sources are below.<\/p><div class=\"nx-wm-presets\" role=\"group\" aria-label=\"Quick views\"><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood,people||||\" aria-pressed=\"false\">People and floods<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"people||||\" aria-pressed=\"false\">Population<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood||||\" aria-pressed=\"false\">Floods this week<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"fires||||\" aria-pressed=\"false\">Fires and flaring<\/button><\/div><div class=\"nx-wm-panel\" id=\"nx-wm-panel\" role=\"region\" aria-label=\"Map layers\"><div class=\"nx-wm-panel-head\"><p class=\"nx-wm-panel-title\">Layers <span class=\"nx-wm-count\">3<\/span><\/p><button type=\"button\" class=\"nx-wm-icon nx-wm-panel-close\" data-wm-act=\"panel\" aria-label=\"Close the layer list\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-panel-body\"><div class=\"nx-wm-group\"><p class=\"nx-wm-group-title\">Hazards and exposure, for this page<\/p><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"people\" aria-pressed=\"true\" data-wm-z=\"20\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Population density\" data-wm-prov=\"NASA SEDAC (CIESIN, Columbia University)\" data-wm-kind=\"Census-based estimate, static (2020)\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Population density, 2020<\/span><span class=\"nx-wm-layer-src\">NASA SEDAC (CIESIN, Columbia University) Gridded Population of the World v4.11 \u00b7 <span data-wm-date=\"people\">static<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"estimated\" data-wm-lic=\"CC BY 4.0\" data-wm-unit=\"people\/km\u00b2\">Estimated<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"people\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.health.people\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Estimated<\/dd><dt>Source<\/dt><dd>Gridded Population of the World v4.11 (NASA SEDAC (CIESIN, Columbia University))<\/dd><dt>Provider<\/dt><dd>NASA SEDAC (CIESIN, Columbia University)<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener noreferrer\">CC BY 4.0<\/a><\/dd><dt>Vintage<\/dt><dd>null; Census-based estimate, static (2020)<\/dd><dt>Resolution<\/dt><dd>about 1 km grid<\/dd><dt>Uncertainty<\/dt><dd>Census-based estimate of people per square kilometre in 2020, shown as exposure context; not a count of people affected by any hazard.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"flood\" aria-pressed=\"true\" data-wm-z=\"21\" data-wm-lag=\"0\" data-wm-short=\"Flood water\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite detection; clouds leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Flood water, 3-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS Global Flood Product \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\">Observed (clouds leave gaps)<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"flood\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.water.flood\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed (clouds leave gaps)<\/dd><dt>Source<\/dt><dd>VIIRS Global Flood Product (NASA LANCE)<\/dd><dt>Provider<\/dt><dd>NASA LANCE<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>daily; Satellite detection; clouds leave gaps<\/dd><dt>Newest at build<\/dt><dd>2026-10-14<\/dd><dt>Resolution<\/dt><dd>about 250 m grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite detection; clouds leave gaps. Satellite or model raster as the provider publishes it. Clouds, swath gaps and retrieval error leave gaps and noise; values are indicators, not measurements at a place.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"fires\" aria-pressed=\"true\" data-wm-z=\"22\" data-wm-lag=\"0\" data-wm-op=\"1\" data-wm-breaks=\"10,50,200\" data-wm-short=\"Fires and flares\" data-wm-prov=\"NASA LANCE FIRMS\" data-wm-kind=\"Satellite detection; clouds and overpass timing leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Active fires and thermal anomalies<\/span><span class=\"nx-wm-layer-src\">NASA LANCE FIRMS VIIRS NOAA-20 375 m (FIRMS) \u00b7 <span data-wm-date=\"fires\">13 Oct 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\" data-wm-unit=\"MW\">Observed (clouds and overpass timing leave gaps)<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"fires\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.energy.fires\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed (clouds and overpass timing leave gaps)<\/dd><dt>Source<\/dt><dd>VIIRS NOAA-20 375 m (FIRMS) (NASA LANCE FIRMS)<\/dd><dt>Provider<\/dt><dd>NASA LANCE FIRMS<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>daily; Satellite detection; clouds and overpass timing leave gaps<\/dd><dt>Newest at build<\/dt><dd>2026-10-13<\/dd><dt>Resolution<\/dt><dd>about 500 m grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite hot-spot detections for the day shown, including gas flares and industrial heat; not a confirmed fire, an incident report or a warning.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ntl\" aria-pressed=\"false\" data-wm-z=\"23\" data-wm-lag=\"0\" data-wm-op=\"0.9\" data-wm-short=\"Night lights\" data-wm-prov=\"NASA LAADS DAAC\" data-wm-kind=\"Satellite radiance, corrected for moonlight and atmosphere\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Night-time lights, daily<\/span><span class=\"nx-wm-layer-src\">NASA LAADS DAAC VIIRS Black Marble (VNP46A2) \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\" data-wm-unit=\"nW\/(cm\u00b2 sr)\">Observed<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ntl\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.energy.ntl\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed<\/dd><dt>Source<\/dt><dd>VIIRS Black Marble (VNP46A2) (NASA LAADS DAAC)<\/dd><dt>Provider<\/dt><dd>NASA LAADS DAAC<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>daily; Satellite radiance, corrected for moonlight and atmosphere<\/dd><dt>Newest at build<\/dt><dd>2026-10-12<\/dd><dt>Resolution<\/dt><dd>about 500 m grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite night-time radiance for the date shown; lights are a proxy for electricity use and outages, not a measurement of supply or access.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"lstd\" aria-pressed=\"false\" data-wm-z=\"24\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Land temperature, day\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite 8-day composite; persistent cloud still leaves gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land surface temperature, day, 8-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 Level 3, 8-day \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\" data-wm-unit=\"\u00b0C\">Observed (persistent cloud still leaves gaps)<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"lstd\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.health.lstd\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed (persistent cloud still leaves gaps)<\/dd><dt>Source<\/dt><dd>VIIRS NOAA-20 Level 3, 8-day (NASA LANCE)<\/dd><dt>Provider<\/dt><dd>NASA LANCE<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>8-day; Satellite 8-day composite; persistent cloud still leaves gaps<\/dd><dt>Newest at build<\/dt><dd>2026-09-14<\/dd><dt>Resolution<\/dt><dd>about 1 km grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite skin temperature of the ground over the 8 days ending on the date shown, a heat exposure indicator; not air temperature, heat index or a heat warning.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"true\" aria-pressed=\"false\" data-wm-z=\"6\" data-wm-lag=\"1\" data-wm-op=\"0.6\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite image\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">True colour<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 corrected reflectance \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\">Observed<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"true\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.water.true\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed<\/dd><dt>Source<\/dt><dd>VIIRS NOAA-20 corrected reflectance (NASA LANCE)<\/dd><dt>Provider<\/dt><dd>NASA LANCE<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>daily; Satellite image<\/dd><dt>Newest at build<\/dt><dd>2026-10-14<\/dd><dt>Resolution<\/dt><dd>about 250 m grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite image. Satellite or model raster as the provider publishes it. Clouds, swath gaps and retrieval error leave gaps and noise; values are indicators, not measurements at a place.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><\/div><\/div><\/div><div class=\"nx-wm-rail\" role=\"toolbar\" aria-orientation=\"vertical\" aria-label=\"Map controls\"><button type=\"button\" class=\"nx-wm-icon nx-wm-open\" data-wm-act=\"panel\" aria-controls=\"nx-wm-panel\" aria-expanded=\"false\" aria-label=\"Layers\" title=\"Layers\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 2.5l-6.5 3.5 6.5 3.5 6.5-3.5zm-6.5 6.5 6.5 3.5 6.5-3.5m-13 2.8 6.5 3.5 6.5-3.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"tools\" aria-controls=\"nx-wm-menu\" aria-expanded=\"false\" aria-label=\"Expert tools\" title=\"Expert tools\"><svg viewBox=\"0 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point<kbd>I<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"measure\">Measure distance<kbd>M<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitemcheckbox\" aria-checked=\"false\" data-wm-tool=\"compare\">Compare two dates<kbd>C<\/kbd><\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"share\">Copy a link to this view<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"png\">Export as PNG with credits<\/button><button type=\"button\" class=\"nx-wm-menu-item\" role=\"menuitem\" data-wm-tool=\"keys\">Keyboard shortcuts<kbd>?<\/kbd><\/button><\/div><div class=\"nx-wm-keys\" role=\"dialog\" aria-label=\"Keyboard shortcuts\" hidden><p class=\"nx-wm-keys-title\">Keyboard, with the map focused<\/p><dl class=\"nx-wm-keys-list\"><\/dl><button type=\"button\" class=\"nx-wm-icon nx-wm-keys-close\" data-wm-tool=\"keys\" aria-label=\"Close the shortcuts\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><p class=\"nx-wm-hint\" hidden>Hold Ctrl or \u2318 and scroll to zoom<\/p><p class=\"nx-wm-toolbar\" role=\"status\" hidden><\/p><div class=\"nx-wm-tip\" role=\"tooltip\" hidden><\/div><div class=\"nx-wm-pin\" hidden><div class=\"nx-wm-pin-head\"><p class=\"nx-wm-pin-title\"><\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"unpin\" aria-label=\"Close the card\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-pin-chart\"><\/div><div class=\"nx-wm-pin-body\"><\/div><\/div><div class=\"nx-wm-dock\"><div class=\"nx-wm-time\" role=\"group\" aria-label=\"Imagery date\"><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"prev\" aria-label=\"One day earlier\">\u2039<\/button><p class=\"nx-wm-time-label\">Latest available<\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"next\" aria-label=\"One day later\">\u203a<\/button><span class=\"nx-wm-track\" role=\"slider\" tabindex=\"0\" aria-label=\"Imagery date, up to 30 days back\" aria-valuemin=\"0\" aria-valuemax=\"30\" aria-valuenow=\"30\" aria-valuetext=\"Latest available\"><\/span><button type=\"button\" class=\"nx-wm-latest\" data-wm-step=\"latest\" aria-pressed=\"true\">Latest<\/button><\/div><div class=\"nx-wm-chips\" role=\"group\" aria-label=\"Legends\"><\/div><p class=\"nx-wm-attrib\">NASA GIBS \/ EOSDIS \u00b7 ASTER GDEM (METI, NASA) \u00b7 Blue Marble (NASA) \u00b7 \u00a9 OpenStreetMap contributors (ODbL) \u00b7 Natural Earth<\/p><div class=\"nx-wm-legends\" aria-live=\"polite\" hidden><\/div><\/div><\/div><div class=\"nx-container nx-wm-below\"><p class=\"nx-wm-status\" role=\"status\">Loading the latest NASA imagery.<\/p><p id=\"nx-wm-help\" class=\"nx-wm-help\">Drag to move. Ctrl or \u2318 and scroll, pinch or the buttons to zoom; hover for the values under the pointer; reset returns to the region.<\/p><p class=\"nx-caption\"><span>Hazards and exposure, framed on Japan and Korea.<\/span><span data-honesty=\"true\">Satellite and model products as NASA publishes them, each with its own date. They are indicators, not assessments of any place.<\/span><\/p><details class=\"nx-wm-credits\"><summary><span class=\"nx-wm-credits-line\">Data: NASA GIBS \u00b7 ASTER GDEM \u00b7 Blue Marble \u00b7 <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\">\u00a9 OpenStreetMap contributors<\/a> \u00b7 Natural Earth \u00b7 NASA EONET \u00b7 U.S. Geological Survey \u00b7 CIESIN\/Columbia, NASA SEDAC HBASE<\/span><span class=\"nx-wm-credits-more\">Sources and licences<\/span><\/summary><p class=\"nx-wm-credit\"><ul class=\"nx-wm-credit-list\"><li data-wm-credit=\"nasa.gibs.field-layers\">We acknowledge the use of imagery provided by services from NASA&#8217;s Global Imagery Browse Services (GIBS), part of NASA&#8217;s Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gibs.water-layers\">We acknowledge the use of imagery provided by services from NASA&#8217;s Global Imagery Browse Services (GIBS), part of NASA&#8217;s Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"sedac.gpw-v4\">Center for International Earth Science Information Network (CIESIN), Columbia University. 2018. Gridded Population of the World, Version 4 (GPWv4): Population Density, Revision 11. NASA Socioeconomic Data and Applications Center (SEDAC). Licensed under CC BY 4.0. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/doi.org\/10.7927\/H49C6VHW\" rel=\"noopener\">doi:10.7927\/H49C6VHW<\/a>. <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\">CC BY 4.0<\/a><\/li><li data-wm-credit=\"nasa.lance.viirs-water\">VIIRS near-real-time products (flood, land surface temperature, snow cover, corrected reflectance), NASA LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.lance.firms\">NASA Fire Information for Resource Management System (FIRMS), VIIRS 375 m active fire product, NASA LANCE; vector tiles via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.laads.black-marble\">VIIRS Black Marble night-time lights, NASA Goddard Space Flight Center; distributed by the NASA Level-1 and Atmosphere Archive and Distribution System (LAADS DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa-meti.aster-gdem-v3\">ASTER GDEM is a product of METI and NASA (ASTER Global Digital Elevation Model V003, NASA LP DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). Cite as: NASA\/METI\/AIST\/Japan Spacesystems and U.S.\/Japan ASTER Science Team (2019). ASTER Global Digital Elevation Model V003. <a class=\"nx-link\" href=\"https:\/\/doi.org\/10.5067\/ASTER\/ASTGTM.003\" rel=\"noopener\">doi:10.5067\/ASTER\/ASTGTM.003<\/a>. <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"naturalearth.all-scales\">Made with Natural Earth. Free vector and raster map data @ naturalearthdata.com. <a class=\"nx-link\" href=\"https:\/\/www.naturalearthdata.com\/about\/terms-of-use\/\" rel=\"noopener\">Public domain<\/a><\/li><li data-wm-credit=\"nasa.gibs.reference-osm\">\u00a9 OpenStreetMap contributors (ODbL), via NASA GIBS (coastlines, boundaries, roads and place names). Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\">ODbL<\/a><\/li><li data-wm-credit=\"nasa.earth-observatory.blue-marble\">Blue Marble, NASA Earth Observatory; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li>Context on the globe and flat map: coastlines, boundaries, roads and place names from NASA GIBS reference layers (OpenStreetMap data, ODbL, \u00a9 OpenStreetMap contributors); Blue Marble imagery as an optional base; 3D terrain and the elevation read-out from the ASTER GDEM elevation colour index (5 m to 200 m classes, exaggerated for legibility). Boundaries are drawn as published and imply no position on any territory.<\/li><li><\/li><li>Live events: NASA Earth Observatory Natural Event Tracker (EONET); events are indicative and keep their original source links.<\/li><li>Live: NASA EONET Events are indicative, not authority warnings.<\/li><li>Live: U.S. Geological Survey Events are indicative, not authority warnings.<\/li><li>Context: CIESIN\/Columbia, NASA SEDAC HBASE. Center for International Earth Science Information Network (CIESIN), Columbia University, and NASA Socioeconomic Data and Applications Center (SEDAC): Global Human Built-up And Settlement Extent (HBASE) 2010; Seto, Guneralp and Hutyra 2012, Global Grid of Probabilities of Urban Expansion to 2030; Global Urban Heat Island (UHI) Data Set, 2013.<\/li><li>NASA GIBS: We acknowledge the use of imagery provided by services from NASA&#8217;s Global Imagery Browse Services (GIBS), part of NASA&#8217;s Earth Science Data and Information System (ESDIS).<\/li><li>River discharge forecast, 30 days with range (GloFAS via Open-Meteo): Contains modified Copernicus Emergency Management Service information 2026; not a flood warning.<\/li><li>Weather data by Open-Meteo.com (https:\/\/open-meteo.com\/), licensed under CC BY 4.0 (https:\/\/creativecommons.org\/licenses\/by\/4.0\/).<\/li><li>Optional layers (12 sources in the layer list: live, forecast, observed and context) print their provider credit on the map and here when switched on; forecasts are model output and derived indices are estimates.<\/li><\/ul><p class=\"nx-wm-credit\"><strong>Layers and dates<\/strong><\/p><ul class=\"nx-wm-credit-list\"><li>Population density, 2020: Population: CIESIN, Columbia University, Gridded Population of the World v4.11 (2018), NASA SEDAC, <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\">CC BY 4.0<\/a> \u00b7 <span data-wm-date=\"people\">static<\/span><\/li><li>Flood water, 3-day composite: VIIRS Global Flood Product, NASA LANCE \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/li><li>Active fires and thermal anomalies: VIIRS NOAA-20 375 m (FIRMS), NASA LANCE FIRMS \u00b7 <span data-wm-date=\"fires\">13 Oct 2026<\/span><\/li><li>Night-time lights, daily: VIIRS Black Marble (VNP46A2), NASA LAADS DAAC \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/li><li>Land surface temperature, day, 8-day composite: VIIRS NOAA-20 Level 3, 8-day, NASA LANCE \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/li><li>True colour: VIIRS NOAA-20 corrected reflectance, NASA LANCE \u00b7 <span data-wm-date=\"true\">13 Oct 2026<\/span><\/li><\/ul><\/p><\/details><\/div><\/div><div class=\"nx-live-slot nx-live-slot--map\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A-P11\/programmes\/regional\/#map\" data-nxf-title=\"Actuarial and Quantitative Risk live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-pg-nx-gra-ap11-prg\" class=\"nx-section\" data-hue=\"project\" data-tone=\"alt\" data-variant=\"inset\" aria-labelledby=\"nx-s-4\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Regional<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Questions.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li>How correlated are <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-h2\" data-tc=\"NHS-1 atmo.cyclone.tropical-cyclone\" data-tk=\"Atmosphere and weather \u00b7 Cyclonic storm systems\" data-td=\"A warm-core rotating storm over tropical oceans whose winds, rain and surge threaten coasts and inland river basins.\" data-ts=\"NRS-H2\" data-tr=\"draft\">cyclone<\/a> losses across island states in a pool?<\/li><li>How does drought correlate across neighbouring countries?<\/li><li>How do regional pools set attachment points?<\/li><\/ul><p class=\"nx-p\">Regional Actuarial and Quantitative Risk entries would compare how IAA, EIOPA and IAIS standards are applied, and which scenarios, such as dependence under stress, matter most in each region.<\/p><\/div><\/div><\/section><section id=\"nx-s-5-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Process<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">How the process runs.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-pe\" id=\"nx-pe-programme-gates\" data-nx-pe=\"nx-pe-programme-gates\" data-active=\"programme-gates\"><div class=\"nx-pe-shell\"><p class=\"nx-pe-eb\">Process<\/p><h2 class=\"nx-pe-title\">Regional subject applications: Programme through eight gates<\/h2><p class=\"nx-pe-cap\">The Global Risks Forum (GRF) records eight yearly gates, each a programme decision; a gate not passed stops its work, and the competent authority decides outside.<\/p><ol class=\"nx-pe-steps\"><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">01 Q1 \u00b7 Planning<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">01<\/span><span class=\"nx-pe-st\">G0 \u00b7 Annual programme authorised<\/span><span class=\"nx-pe-k\">Gate \u00b7 The Global Risks Forum<\/span><span class=\"nx-pe-sm\">GRF authorises the annual mandate. It never sets a national agenda.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">03<\/span><span class=\"nx-pe-st\">Route the candidate mission to standards<\/span><span class=\"nx-pe-k\">Step \u00b7 <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a><\/span><span class=\"nx-pe-sm\">Nexus Standards routes each candidate mission to the standards and profiles that apply.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">02 Q2 \u00b7 Readiness and build<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">04<\/span><span class=\"nx-pe-st\">G1 \u00b7 Missions admitted<\/span><span class=\"nx-pe-k\">Gate \u00b7 The Global Risks Forum<\/span><span class=\"nx-pe-sm\">GRF admits missions with reasons recorded. It cannot admit a mission without an accountable owner.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">05<\/span><span class=\"nx-pe-st\">G2 \u00b7 Data and resources qualified<\/span><span class=\"nx-pe-k\">Gate \u00b7 The Global Risks Forum<\/span><span class=\"nx-pe-sm\">Readiness preparation closes when data, people and resources are qualified.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">06<\/span><span class=\"nx-pe-st\">G3 \u00b7 Build accepted for exercise<\/span><span class=\"nx-pe-k\">Gate \u00b7 The Global Risks Forum<\/span><span class=\"nx-pe-sm\">GRF records whether the build is accepted for exercise. A gate not passed stops the work it governs.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">03 Q3 \u00b7 Action Week<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">07<\/span><span class=\"nx-pe-st\">G4 \u00b7 Controlled live operation authorised<\/span><span class=\"nx-pe-k\">Gate \u00b7 The Global Risks Forum<\/span><span class=\"nx-pe-sm\">GRF authorises controlled live operation for Action Week.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">08<\/span><span class=\"nx-pe-st\">G5 \u00b7 Evidence sealed and stand-down recorded<\/span><span class=\"nx-pe-k\">Gate \u00b7 The Global Risks Forum<\/span><span class=\"nx-pe-sm\">The evidence is sealed with its provenance and the stand-down is recorded.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">04 Q4 \u00b7 Reporting and renewal<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">02<\/span><span class=\"nx-pe-st\">Competent authority decides and acts<\/span><span class=\"nx-pe-k\">Actor \u00b7 The competent authority<\/span><span class=\"nx-pe-sm\">The competent authority decides and acts under its own rules. The programme informs it and never decides for it.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">09<\/span><span class=\"nx-pe-st\">Scientific and editorial review<\/span><span class=\"nx-pe-k\">Step \u00b7 Reviewers and the publisher<\/span><span class=\"nx-pe-sm\">Qualified, conflict-managed reviewers and the publisher decide what is accepted. Institutions cannot decide a scientific conclusion.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">10<\/span><span class=\"nx-pe-st\">G6 \u00b7 Publication authorised<\/span><span class=\"nx-pe-k\">Gate \u00b7 The Global Risks Forum<\/span><span class=\"nx-pe-sm\">GRF authorises publication of results that have passed scientific and editorial review. It cannot publish personal data.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">11<\/span><span class=\"nx-pe-st\">G7 \u00b7 Renewal reviewed<\/span><span class=\"nx-pe-k\">Gate \u00b7 The Global Risks Forum<\/span><span class=\"nx-pe-sm\">GRF reviews renewal and sets the next cycle&#8217;s mandate.<\/span><\/li><\/ol><\/li><\/ol><p class=\"nx-pe-foot\"><span><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/the-programme-year\" rel=\"noopener\">The programme year<\/a> \u00b7 The Global Risks Forum \u00b7 Decision rights<\/span><span>Designed programme process, not a record of operation. No cycle has run and every programme is at service level R0. A gate is a programme decision, never a public-authority approval, certification or deployment authorisation.<\/span><\/p><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"project\" aria-label=\"Status, Sources, Questions\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Status, Sources, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-status\" aria-selected=\"true\" data-key=\"p1\">Status<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-sec-pg-sources\" aria-selected=\"false\" data-key=\"p2\">Sources<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-s-8-sec\" aria-selected=\"false\" data-key=\"p3\">Questions<\/button><\/div><section id=\"nx-sec-status\" class=\"nx-section nx-band-panel\" data-hue=\"project\" data-variant=\"band\" aria-labelledby=\"nx-s-6\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Status<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Work is shown as its record stands.<\/h2><p class=\"nx-lede\">Programmes are listed as exploring, forming, constituted, active, paused or archived. Country and regional entries appear when a programme record supports them.<\/p><\/div><div class=\"nx-section-body\"><p class=\"nx-p\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/programmes\/\">All programmes in Actuarial and Quantitative Risk<\/a><\/p><\/div><\/div><\/section><section id=\"nx-sec-pg-sources\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-7\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">Where this page&#8217;s references lead.<\/h2><p class=\"nx-lede\">The bodies and documents this page is read against. Status and editions change; each link goes to the issuing body.<\/p><\/div><div class=\"nx-section-body\"><ul class=\"nx-list\"><li><a class=\"nx-link\" href=\"https:\/\/www.ccrif.org\/\">CCRIF SPC parametric policy documentation<\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-s-8-sec\" class=\"nx-section nx-band-panel\" data-hue=\"project\" aria-labelledby=\"nx-s-8\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>How do I propose work at this level?<\/summary><div class=\"nx-answer\">Write to <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/write-to-us\/contact\/\">the contact form<\/a> or a regional desk. A proposal receives a reference.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section nx-deeper-band\" aria-labelledby=\"nx-deeper--actuarial-quantitative-risk-programmes-regional-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper--actuarial-quantitative-risk-programmes-regional-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper--actuarial-quantitative-risk-programmes-regional-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/model\/sectors\/water#what-water-gives\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> Water<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/risksacademy.com\/finance-economics\/actuarial-science\/\" data-ext><span class=\"nx-deeper-k\">Academy:<\/span> Actuarial science<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><li><a href=\"https:\/\/nexustandards.com\/finance\/financial-and-economic-risk-standards\/\" data-ext><span class=\"nx-deeper-k\">Standards:<\/span> Financial and economic risk standards<span class=\"nx-deeper-x\" aria-hidden=\"true\">\u2197<\/span><span class=\"nx-deeper-sr\"> (opens another site)<\/span><\/a><\/li><\/ul><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-9\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Actuarial and Quantitative Risk<\/span><h2 id=\"nx-close-9\" class=\"nx-section-title\">Bring an exposure or capital question to the Alliance.<\/h2><p class=\"nx-lede\">Information and enquiries are open today. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/write-to-us\/readiness-request\/\">Propose a readiness pilot <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-legal-10\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Legal<\/span><h2 id=\"nx-legal-10\" class=\"nx-h3 nx-mt-2\">Legal documents.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Legal documents\"><a href=\"https:\/\/globalriskalliance.com\/legal\/terms\/\">Platform Terms of Use <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/privacy\/\">Platform Privacy Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/cookies\/\">Platform Cookie and Storage Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/legal-notice\/\">Legal Notice <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/acceptable-use\/\">Acceptable Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/participation-terms\/\">Participation and Events Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/contribution-terms\/\">Contribution Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/research-and-data-terms\/\">Research and Data Terms <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/ai-use\/\">AI-use Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/intellectual-property\/\">Intellectual Property and Licensing <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/trademark-policy\/\">Trademark and Name Use Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/disclaimer\/\">Disclaimers and Data Notices <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/corrections\/\">Corrections and Right of Reply Policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/complaints-and-integrity\/\">Complaints and integrity reporting <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/security\/\">Security and responsible disclosure <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/code-of-conduct\/\">Code of Conduct <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/accessibility\/\">Accessibility Statement <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/legal\/third-party-notices\/\">Third-party notices and attributions <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><p class=\"nx-note nx-mt-3\">Maps, data and figures on this site are shown for context and general information. They are not advice, forecasts or warnings; the limits of the information are set out in the Disclaimers and Data Notices.<\/p><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n<!-- nx-rev:4836a9358318dcc7 -->\n<!-- nx-shared:59d10a16f0d8 -->\n<!-- nx-path:\/programmes\/regional\/ -->","protected":false},"excerpt":{"rendered":"<p>40){clearInterval(re)}},400);n.NXLive={allowed:d,blocked:f,grant:B,register:V,hosts:E.length}})();GRA \u00b7 Actuarial and Quantitative Risk<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":21,"menu_order":154,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_buddyx_sub_header_visibility":"","_buddyx_sub_header_title_visibility":"","_hide_show_side_panel":"","_buddyxpro_page_sidebar":"","_buddyxpro_page_disable_header":"","_buddyxpro_page_disable_footer":"","_buddyxpro_page_content_width":"","_buddyxpro_page_header_style":"","_buddyxpro_page_color_mode":"","_buddyxpro_page_loader":"","_nx_seo_description":"","_nx_seo_title":"","_nx_seo_image":"","_nx_seo_jsonld":"","_nx_i18n_locale":"","_nx_i18n_group":"","nexus_page_kind":"","footnotes":"","_nx_seo_image_alt":"","_nx_seo_canonical":"","_nx_seo_robots":"","_nx_seo_schema_type":""},"class_list":["post-35","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/wp-json\/wp\/v2\/pages\/35","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/wp-json\/wp\/v2\/comments?post=35"}],"version-history":[{"count":1,"href":"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/wp-json\/wp\/v2\/pages\/35\/revisions"}],"predecessor-version":[{"id":81,"href":"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/wp-json\/wp\/v2\/pages\/35\/revisions\/81"}],"up":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/wp-json\/wp\/v2\/pages\/21"}],"wp:attachment":[{"href":"https:\/\/globalriskalliance.com\/actuarial-quantitative-risk\/wp-json\/wp\/v2\/media?parent=35"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}