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dcqSBBZjuGUmuNVNeeG9EJkJNrzXbz0OJBoBEs0BEo8AibWBXDOjgnHz6dq+eEuzPKcpe1V8+ena+l3ar6TXmpWfJ2WTZjBPeACsq7NEJ+7Nd3SiZe2U8C6ggLkEm257OHSsM77pkDf62x3T3ZmoO0WfavqhE9w78O3PYeeg3VQgfpb02uoaj6UR+ur2eJBmfVtKmwMZueIcjJ\/doc+F08wsLs2zAfJlVjzbytUx9bUj\/XpSl++\/d6XfK8+GybdIL71N6a1KCCg28zYZaz3vigiB\/BpYlnArWUOZJZtSHUO0KzXVFVlo1IVuYQ\/5h\/62LE5Q8JG+BuTuLm8StWqIGGk7a0D83HVm4BvrWme54yAqPuiUDTB6YHTbOA7JKA5C99Z84CR6hzHRLHUomgKOGHMBmqb6iD\/IQQTz9UEaxNsPwHlkTIylfcEyUF6wHLPDURgiEpx0YNG4OYwOfdu7gdxlQTEi6zGn2BSCBrg91mQWaeioaCjPpKCD98hZsY5cZ+CgY\/li9EZTOydVK+BGF8DltvDGIT4b5m8V0iJu\/KLbyWM7VYSKnlz6VceejOtirhlOxaDeuEuJGvFE9BfbT+pvqLgTvaCXzhc164qRK3H4iOys5wKat2xIBMzMhTPGhyiS4vZegoNE2GCBPSHZdIJfeMHX75WKZTYgQJvUStfb3EBZ3MeXcRcck3OG9a5ZM8\/scVdaCtJ9Lj+9xaV9xb11K3xHkb5HmNWNeLvo6b\/g9g35fyqjlt61I710WQQ2SXlF\/cH2ppNBq39Ha6x8ZgPxDvhYXgE+BYGj3x8b\/aPXpaTHYMYIXb1uHJmdMArU0wNqzwHa5WvR0ejgWRS++j2x2\/xWa5sfg9XliJgOgB+DgK73To4ZUdPyR2055g7S6QoVrkpatqn9sZD2x6KDNOVR3ddlDsuLtuvzAuoG5ksgXUYclZByVEqdlgqI0QjEaKN0PmqQUBFaN8RmbibByAI6ZTT7h2f4HW9YtYG\/eoEgv6VVeb4NzsYDpbvgXxHo\/\/0xuLytfzTl8KJ94FKs\/eDAX655DW\/Whxv1Hk6u99GmnJv2D1\/6yqeA8YC6\/g90B2sKFodCUoFXMr7WGZaA+tQlf7DRcCTtFg8F7bA3+bum4\/3QcIF9upo5ulgNCnQQToymlkCGHVhi4C6SKufacAYao4SAewM5pXACx6G9rDJ81bW9Lir4XoYrkAG67DfmexkSnFGR4e74dRJ82ZGwYVzm9ecn5+nrbSSuu4IXCJqPzoYJ8J6ILZ4J7EBeMLGeqsCb0gI47Ynkk5xID8RtJromInpVNTXbIByfmi49XD8xoaXI3yYEV4fhdLa3WcnW9CbI05ttXitr80GFk1lmhG9wVg0VkW0L2S5jVL5om+bSpaJIH8JeNt8FiukY7pHP5H7M9n4wmWJQD41RrpjuQTKXKieksKocSRiH50+G5qhVsEsO3yQWD5cqeDSn8CMtoGUJgzXNHTLOn2btUN39HGOHHt+jbB0a5qNMHQrmHEvHmW\/qUD1JBJhg6ziHebYLBX7Y05gszdq2ywhYwSIKpnA6g6IqL1Cynv\/cPnnogv0X2PxjBbKifpcV2w9m0aL1JEtoTn9LVq1MTvizBqm7cifZiIOru3pnwn1fXwXb14I17Fuzplxcxv5SKccCli3kZXD\/Cp5B1QDJAv+3\/Fob\/0Iez8rv\/3ewN\/ej+mnbM9vjz9mhuVE+apPmwHoztwz28\/dYZPjiukzFxO0P4tLuAIdANf47DprdTPWh6Y6fy+2EQKguAso30lUvwAl4yGEaBPhWSA2bJiuO9d54il9s+2nzVNdW+3\/u00OqNWhNjXTZyU\/8WjqvD1py0hOWpvVpF+rjJFmYj0BLKjG8GaRyH4fL5PpmOvY096dZUKeP+\/2DnnYbzOlWX2u2JcqcP\/9Kyhgiy84uaAgz9CBEIz7QRL8j\/UOScM5UsCf+G+3v0jLPSv3XK3jMaoTq801OGD2M52AZ6QT1kQ8RJ2SXr7Lo8N9JlM3e8OhoFiew6IQXOA2X9bCkSXelLpiXkNaR7fNiRnnr0GahMeELLJp6NLyJoedfSOTj16kYRUn2pVHQeJ661DgnmF9mJ8FuU+gkZdPAZCwHttulxxazQC+svkAFa\/VEqi\/fvwrBjz0t6iaLn7+3+ZsGRnSZADtJESHVZQsmL8OjQjvHhvaF9QvPiSEUb9B1LT2646cZTFzcX5DD0mxTd\/dxKOolRFdcyooaNoZlmDZOhypE1vF4aaI1o1JP1xNfqsdVhxeRqXjNEviV8VYrjoH471QhPV9x8qROaCiiHRNwRGd+iBOV1xvwKR5zuLn4xsOBOpQEVYV4zjM8NX5FmUBSkWfsMoTG91mMwvWE77sV9+AbHHTP5C7vcJtB7Iu\/v8n18cnpWhAmMVqNWHbQrX8t0ZkqbtZACR3ucvjphyy0gC5l1cwhKB30KwxwuityIC2\/miF2pr6z0YKFyRGSw3LV5LB9DDiHElZ2jd3IVFGrZ6fG6pyhQ\/cL\/vWMZ2j+1Q4RVD\/t8263jABKygIuue7SgTubLxlcRHYJ0R1jgn2a3IxAtZiK5PMHDZ0FtnhCWDBH0MDNnDHAOKszQR7CGdcaO7iRGYHk2A1iOh6VlkJR+aa6kvieMrkBx\/e\/Wcd1iNlkMRf2zKcaA6sryUWwHp9Ku5OOYDJt2ejGg+ZfW9z6c6FLyHPfdiHt4n6SHHGAtkASdltxdWarXdVq+s7gATgsbIXeMral01teqLERY1ko0UIkGy8VQDcNt0ATpM1mnlRBnSA\/CWBcurLx17KtYIE8LjCkAt7u2k8nhpsVz2ZZjNyWVfF+b4KeS2RHf+2A7ouy+djlMvi67nlPxI3BdwiMvKcntFQ29wF4pcJRx0nXf6UcHxtyiQJCDWnAZVQ2pxl9kWXwDsDl5Bt59ZXDgET0Gm5wBw7dnVB4+fxkP30dejATiH0a1rmeC8eRwcEJa+dCcmWQHG8BJE8GCVNuLiRfBskLF0AKZJAwR82FtJVB2i6heCiDFC6h+E4GabeE4rYlZShrCc1te4Q5l8CSM7q7hO62lNVtbwnlbSmz274u7XltbWYwu73Fre78aPZ7tzzijli0m5BP2UGiJsMmsfnkPk034qxIsyJroJBVqoLJNYZJiy9y+6O\/ZUHIf5CI\/T901\/Dlz0hCeDoXOFYsaaTxxYwRMiblGWQFn9gvUSX2S7QT+9FdfKXioMXyE9M5iOSwdMtCYL82SXSPwhOo\/EcudwSlviOV0HekEj5nlUKjHEOfz+evxF7zXEreF4kp1zl8Er+ns2zdQSwtuvC32Nq\/90VzIpV1Prpr\/kQjGamkKEInV63poyNHVfsyO4MjnM8UgcXWhR3XpwXctO9J64951CSkcR5NLfACzTovG63UK\/3bnYxOUWaRBtUWgiBBGUrlCUOGctGzrkxPpETk6v5YivwJE2hLxMy\/on0QuVyN\/\/t\/jP8K36618U8Iler702Esw0vYFrC6PwGHsm7lo046J8liZOSWPTdesWCaKgcDMmxJRTe9asDUF9SKZk6JNTw7367wCpOHOIk4UMhJRvlptmMr9FgBlFXj8xNoclB3cYO0L2m\/Sh30c5CcaKEM8+jnwE3\/fhUC9HOQTTTJNokyenb\/orxy64PCEyz7xA66T\/q1tl9ZW\/Rz4F3O+5UVox\/8AJjHK2L0vROOBwPxdBlNEsrRysb\/yGnlJuhHpBXG2VLQytrgHz0qdS9L6ZMC9COhT+qhn7tSkSpJRuUj\/f+LYtoLi0t0o337nwfE3fyjIqRsJ7S48tqePoeLoXXzizHO6osKgWU2YIfNYmSH8YneqjyNgt6fLG8sjnwWil2sIpPKjM+yZLH44dQOYqAlF0+5OKBSiicbuctgy230OC3tFPVsXx48G84kH445FbBR0c4X06tJqDdvrbAJrOxQh50nYoXl\/Xi3iaEogvelEC+TQsOZNx+SDF2e6maQXPbQKbKYmMZZlZyne2BSYimE0SzYnRFZvoqrWnNECxepLEm0xVaDnAUPRSfTtoUbsMKfTt7Vhbr63ChdPdmuvEk5Mlg0gzUr2RFCimIAKo5AeXoZQ4qpfoes5604Wt7I0U7eiOK55+RPm9jlhsvuAc7waVizQfS2H107VH0QOwmReH3o7M7hoU8DQXMm+QvPoela6Pc2qaHpWHNnEnWtl2FAVpve4mvT1w2omjsR+JJkL0zRZGqHUvm21OA7MTmdBnU+soMXylnf+GhY70GdlEX+vSWI0EU4swvNcGU8ySiyn17eA+nEgGRrOR4GuImyQXqTdnkPX3CCUCER6GFuQUfd\/uSB1xqh1YleRMK0CjqIOn8kr8c0DCaTV95MF5Zc0gnLefsTqD9+oVVpFJZs\/CYkIVkvKSCL2Rpp3j3ynQ9ifa80o9G9S24x4+Y84Lf+osDsBacCK1SywObBUnVoNFWMdaBS71iLYX4hGjltvXiy\/LpKvXaB01AFD6W+IpPDZBalVgs+hrs7g+sUDl\/+cGNLc5P\/iMV0BXQek+18Gj\/jN6PHsS0vT3n6u4Lz79F3ZxvepQcMkC58xXq+RPMsuJKSYTZduAb\/IUQA+vP7kGVnFM+S7t2ExJTS7mzzFsMwmtPA0Wi2SG5+m5Sdn7ApPLl\/DF2rZZh9+e22afQTCn27Rx9v+hq1yTTgMwrzjOTJ3kx7vSpfa+SzGIaD9YqhBvpsaIPaJCqA89wzkoTZ8wvP8bdS28Pe2Rs4nWCbz4rtLBnZ+BnwXQ4YJjO26J6YB4tKC88zyLRbcXZXI9nk57vQ+jSpt3uEt5BgsfUubJ27LzS\/q8ZAVTtvGWuz9HvsYX6Y25ECPJ7c0dL2H6O8F2oy09fbZyuTyqLxffZeue3UPjajo8gJ3TNVYMcCjKgy9jdBJdThxjnCVJV9c2fJs8++o804ZSW6abUe\/tql1Xq5ESi\/zO5j3ytCg\/SuCK6ftq4YOM5iOAMBKcNovbkfHH+nes1ibBt\/NEz7MBnooUlx3O9vcnvx7oFNdaA3VJonQJPFh3lODJE9mSTHglPj3UnZy\/6fQ9Nhq2E5nxAOhQViQiNnn+Gw0WTv5h1v8+\/ayvTT982MhqdcYDZMg\/DhPm4pU9OKd3g3obkU4ppD3c434x+dq1wvxIJSYeS5k7XDC7hogh+qKnvhbjd3rx132Fist8b6scxBrR17rK8KyILJWdwDbxnNOZVDM9CcHNX55ACY2IDkL4IMPinu3DkTked2yEQZjylcoy+s149zQz9m6qSwv9BB3vSyl1CXENH0neFQdKCn63RpjLBnf2\/gY593ifaZMw7NGP\/uXBcHMeGxbYeh7Vjv\/IiJ+QAf1uQA8aHBRCi47jkTWl\/sgdlyZpEFxz\/mXO3huHYMIZtEqSO2FxjuMmcHK8mWWPxfpDUPlgpYtDfegRN17vp4vKhZEZ3Ey4496ZCP\/iZPO6U4V2q3svEf7dlM1VVnF4rVUdV3aA4iSgsevfKyirBLoHilyxt9XQVb+8iVtd6MQ10OtM\/3egb1c+t0ndr7aM\/IhoRGn7O3j1lh1NUxkr9nuD53C4e\/lnOgMDD+NigsjHBRqD+Pj3J59y6kyhV3qaTf\/ixJ7Uk+j+TSxdDtmSPsa0+sCQ445Q1VrgdK5HQnItYH5JHf4F9Irs3hHdJ\/N0iTeTbMFZKBBiHQhvp9nucdpT29jSsrOHlhK7AW1HJ+6K0nUfG7K3QZD707deFYUfBBT6mYjzXTpPbJ5u9hA978\/SknzmOtv7s136UmUOs9pNUGmuPRYH+aJbOcCLxAaUclE+d3jU7ufSHVwd4heJLK7lqUOL9rX1furZ2sOq7KPI9ARYeJkaN0C4dnvwNe+32nafW93zF3bADn6ylrIBbdsB80IsN9x+cM5+WgZzyU2YHmxPUd4xjpjkq43MPOCryHYKk\/Vr4MXbIzm\/J4pO3i9kOc+pcLErsvWfZ0ngQBK9281MKHRnRtmrK4gcsFggoUcRsb0S5XJhuzz+cElwSfqXbvx2gPSuWBUwecQ5dXu02qoE8R47eONDNj2CaSZku6ImHFlwrWNUyGsOLHHiyPdT4jazN+U0zabKqLcH6Zb8uMfPtFWIsKrdUatNY+z7hzpwdDREDQkfHtgAWqoG6Pm0ePQGef\/vE+5\/2zziS\/4P2hOyn8Sae9XKfcIdWP6bwB7cZdoozlnCg69EttOtM4B4pds+q8le2iXZAWtE0sBXMYNzD5+m7pR0k\/1bVQdyH3mj6mPypJ+rjTR4qA4ThTvh4+PUurhFQghl8nCUk5AvmhBlNJrlAXWXHsM11RubNI7+sb34sljT6WjwCpKF\/nTZM4GioRB6qagjZ4PpUjqE9IyAypuIYcXGwRcFCfRouAW59cZ7wO+ESuZjJecufyrnXMgdqfkKqHHqALmJtZnwoiAN\/hXJaht4NdFsO5RwtwUZJtEZws26+GvtKzMsmm9lUkBKoxCpicQ4uuFI7V9dC+hEQMQPZNUEGAyqERNxPZb5+MJ\/QSBvzEBJNgHQIZ5+Qv5zFXMSXbP7HPMaoIw72BG8Qgpr9e6yZLv6MdIG27v99gn1JHKLRIyxResEgGW+UR6HChQQQX9Oujxzpisz3Wjyhhbr07dVJO7nkYs0zLy08D19r3nxKKLCHhwx+Lz+aYAwSQZCAfPPtxVsU5NEB7DnB5mz5CEPz9n1DleZyC8I94RZNlLTkM4zuHeZ5damhsrQ9GaH1AWIT+B8OxPmzaM+k\/Ic2E6W1rfWCPtx4GlFIIfF9Vwx4LdvUFwOHlCyjQ7Yml1wXlh0wsdPmRk45XpKvndpuVnU7M\/zCVsG6ie6KLsoWluhXQn5xhl5wZweYVwoLdJiJQQ1wkrL\/BMzhwyC2lsD3kelwOOQZ3nRst6oD0qV7QLaMbSrbSFT4bc1hZOpC+5Jnxm5Fnt7svZUhhfwEbzReT7EVP8cDJTSXahz4f2C0fTB1q8QXjWlILNwCFcnv+jxmDntqQdkx8tG1L4\/dHwQ9x6\/3TYvTKwAhpteeaydHLR5kMZCZJgs0U1M0Gp0dfc6mUtTskJsRG+3XW2zcmqzDQqUtMOnbPJAaP9TeO0Yd9WCwkFwdl4f1aHspDvOI4o87ctBd8GdP399078\/L+jMwKjzeDW1acYJU1MhklVADlUZm+KzWF48tNS6JSFtRBQ3maIsHLTTMilp5MOhHX5LAMcLuLLmlZNjfJDk3ufvMaie4W\/DNOlFS3Hx\/rFUdKLHmcg+\/ltRGyenPZeWbfM5joYDr1kfXjHaxTFUac5SBNxfTgWZDdIflCk6X4zV7PvznBL9g+doBEFIDi++sJVkrr39sqjo4WKVZU5i9p0ITEMOFr3PamvzctRXjrQBZfMALjDJtTmdS8ftwl\/hn7Kkfe6krPVliYV0DdNUqtsNSZyKjzpE4G6zC0HmnDtQibKKO8HsroqvYSvG2PsUVIOoFFhsjEUIobQYV2YDK32voEhrpbiD1T+aL32\/amtllcz7DK4r3RgOiagwo11BMjwdeCJbyPLsZo6A89QVBOCI1kIsoUq7yt58qz2aKUlgfaGiImELZ29IydDuuqzOFNV51xZxijXQfHUh7UI2PkLlXXTwh08ZR6yQzZ2Q+zTV8yDnRw+x2o5\/hXtPb\/10cTuTeZaW0\/QfVxhInd9ECkjyfxJRlBcJFAussBqiOpQrRZzGhI9FH2Ir1qNhpfiraict2pj9ImcDqW92F0LB+ND+Gte7FqOZQ6J+bMs3noYd5ZhhPFdsIqcC9vWnS629XhSJPuTnQN6iyBnAdZJsoErzLW7dB5muIsh+kpBkVZzJSdTBZlFFEYzi0IIwZM\/o0dFyNeUln0rN6GuGnHuFiS4YlRugbZN1lG1cpdNMsuppI6ugojhlKaddRkHU2WNxknjYVBCOkcGrFrTr6iiOLJG05UJnGLHMx4CiMsz85ZU8vuwVO03QbxiU3abeH\/Oo6iKBKCO+veu9XfebcOnfnbJVmad9kdmkB0mG6UVXzXynEwxqW8CBWd2nj+rXGqL3LyOWW2TBUYGD8naTOYLVKBpoBq7pDD+wu2x+X1ERfoFbSquFlGUVJAcYHkmkrm2NXnBPHzEA5F5Y+0fjwIpPEbgsunXRrhhTrVrMQlTwFVp+vNnPepSN7ue1nSmVFkUVpDVQWy4eKo9UEJxLiA5rRRvkHCQNTvVDBubi8wbsrKhGkK4wZzkFnHIEfbDYnDU2NCZvGMUrcBVMCIio5Ln80agrXm9zkoEhEAal1ztefT51af4gNnrdFoUllnjrw3Z0Z3vmZ3cQnqpu8O61VCH\/gdsYtQe0TPUDagZ6g7AVX2AqsJJF9BI9KhD4NF+8JfS+SSxFundr\/niV5RJg9H6FUT\/O9lwRMmXh9wMV+2qgXbbSyG+1qfPHF6JCHA3mgtPh43hIWA26xv2xKa2bm\/ccOPTBcXNHmqeYg3\/XygWFcxaD2g2SBGKiLmgvuYA5H1LqwcyQT5hqfNm8VRXFUXcEGrgKe074usi5AScNJl3aRseO6QD1fETSCDZpeXHMTw6etGkzzwmJWF9utYenRV7uTWbA2KmjvaRd5blv5Z8ex0Z9BFfEK66zlLEhRmC7KiMVs7nNBAJNEJ5CVPIXdIYb5QirWkuGl62rkhjWWinaZjeyKUNSDPYh4skdejYMlN52fzDC5IETuysTRUPOU4YudyKN\/W3iMbd7nUqZlDUBWcEjT+NqnTMH02UKfm8YqM1+FEJiR1BdQnS+3msp4Aaz7Pi2UcotX6MzpkHztLTmp0qip6+of\/GrzWDtmIJiIeWyE0Dqhu4EV62tmW+JMcX\/KHnGrgZqPyEHLBgxY3HYF8NtJns4W5VldslJ0iSQ+RsN9tPuVQVFV\/Tf3A+ycxMbG05vyTnRfDoRKxOY7CPTkoWHwcsPXhAewqGbgzNfILFWXDJT8XnA\/yDvgCklMd8swejDD78lPQOjUbWJ1vUqiC7\/VaJBC7io2kbJDFz61e8kX\/Vu9rR\/tYd7XrBPMLP6eOSjYj\/IhX5cYhZPJYg1ilqGJAjzg3mBJSBXjhJEB\/tMmUUgm0QHXb4WTRRE+skDgPPNnKW2+0\/mX5Ea\/1nffp5+DYsocSUxJ3O6+zfRfhSZca9PyelxOYgmveqFmuHtdDSejNjWcKZbhMpxxIasxpTz5Gqys\/MYVeX6aCYT4ku6fPwfj7nHKpOF2UQ4o4u5Z1h\/HOEoBgmOTLi62hgM2A0grCsbqbXJcN73U83KkotXATatuTK20aZXk4jheiDafDraaV4naeh226pZwu1j69PYeq7bl1EqfmX2s2m2mrXX7JM3IhnC5q+HWtdezVQUcmzOcn+HaBVTOAJ\/bEfDjYwHn6avSYv\/XyfTmwVlAi3t4s+A472XWNLgUcZO5UZV7fP5LnS0aFoxa\/ueuHwKznJkpnjkrSZ6242wlMRCNXP2Sy\/csJrcvbxkWRwWyufqyJ6FyonsaR8HdrEzgHeUUQeo8c4qcX9NZaa\/S+uVOd6\/Sc+8K6KJ\/7lXX+\/ISOzZ745A2x6Pxyffoq6Pa+TvGhm+hQpsss+0t6aKO1r0PWZvk4aUema7gHRl96cMfdWO\/oA2UmOdIwUUPXKboLDz8\/pSDLoeTwp4DHUQ\/n47FIIDril+HxCqriUYjgg2DeTai4vYK0g1zmQ7HudaA0uXZcNy5LK9Gg6HrLOPW7YeH\/2kLVTGe2joHR63izouoU91BNqSktNU1I5IVZl2mj12UB34bayLSPX+trWAwZ0OZ635p87nU6hw8CGRQv1nLpFNWl7ovcGHPMSAKWfX+u66fJjfoM8vw22+m0gMYxH\/F3oI0uyZUKaaJAhAh3W2\/Sg8RbauO+n4PSCxMLbiOzOWXxcwFr4uhR+IjUpHlvwy03Yz63zkbj7VPZqF0lzCq\/L3Snl49idM1IPBWq\/DRZ4RW7g5G3nl8sk1dH6CtUVufuJ5F4lwo2zfcRvC4SpDgPaii\/+hCM3QeRYxWE8UkfqzanwmacmF3WhRllY4NRh8alrbjHFka2Pu3geSzJJDgiOt2m64FyaXwnIopU75zcG0XACOQok+lIhzEOyWyuNef\/5CM0VSHMRL1nr7FqH5mJ92\/nieEYOQzLZKawX9QPvniqpei0ZmKgqpemuKqHxsRGhOH6X4HSzPQDhZmJILa5HD8\/uaNyknmtrxfGIOH+WG7sMuA9KXjvx2LMnB+j31I6tE7gnCLLxQALBx+itXHjU1+rlho6ybwnW0sPRMKHqG+T5EomhKGaZwWNd52gRDCSKGuJpEiyigimoevuSt4Qg22RCw7Yw6dxGE9hMSsm2+9rj1FFZdS1pPqzSx1UtIpb9ZoyFxVO17XaiRda0FlpVL4hOYVp1gtR5blrq6VLx6W0LqlxdTYsChdCEVw9yaVQFX5oJcyxOlC91SU5mVrQXYHcDcre0MHjWG\/tszezPoEErSYL\/6BrCXMsQYRZcePNGy0X\/2HsRvwMGjRlUnbX+DEmI7adpmaCYZQNU15AYTJKNolBx\/P9nXKTIBKOl2lV+aojr5irJBM3PmQiZuReB05ISVWtokoaam0bggDpLl2rdq34zURe1I3yjTzKzXqW\/rMjd5lnhI4NXS1J0SPG3U33Y8bzhsQvLWQ3S+Mtp3s+lc0ScvILW+KFVPddQzAj8L1DGBSJZrT7zNDwtgMU+KwMq5ZHtduzIpqpvgj5JR5cPk7WdkRcKFfvXYjgIPb5IezOECd8T\/QyjYTZLIikH0WDPl6YYMasgTdpwKxurLA\/3cHoXD+ojyO4HuFI2LVejLWj7gA5rGBzmxMu234ZXevbbLl4hIV0TiZEBHbUvNyEEbcaAD9mTwucecpuEnYcjjj6RaEBDtXYuems5nlx+B2tkaV355WgieVyAr\/LuUAQW26ou4one3Q0u7QDzS7lF1HcKWmZ5mWZWLrjDzSA2ZrAHEcDmDaZpoG9KoXxyHpydI6NqT4oqSjvR7bLSWfOn5o5dH45Qz46s4VFWUVZ8yD1wZla5\/UraE78cLA1p7Mi8Itzlz18u2nfneE1wtpeT0JvE8J9frIltyKdGd9LrinW7ozvXfH705zvPcn3\/nqKO6vmhC+p3uTGisrI9NRG5nzjajJOc\/hko29jDCHp2ibRcGI5UawD4igBMzry1Saiowlz+AIocTVdVl1ze2L7Fgpd8Ec\/kntNDhwt2tqnC\/7a9UXVccmKr+uha+q4faqgRkaq37TfsRVXKvgCQW64kpRNyMo716jM7GlW9RkevU+uf+cxo8ZIFGeOXU5CAqI91Ue3jbGHs+6jJaTFuYWz7IdmDpxETZKVcTiIIlk\/bEs\/+Gxmf0Oqa\/2Il6GqiXho9mCs+OzKGElUaBJnGCCHJmxsx3Q26ftweL79jasmv+vo2NTDOKHxxLUjz78rxfJcdLUSpM8GOp5GXSMZ+rIhTCSaXpJ9XBMRnLyZW7aG9c7Zj1HsZtaUVQbyJz4Tci9P3HtTICt6+cLWOBGylWBZYtvv0b1Q1Dggtz57Rc+x4pM09MT14fnBGHXhHHTACko0xQUki0Fs7z8xJCu0JI8MK+Gtn4TJAwqIT3e+QIjMCuAgp09Z08Vx2FsUUE9C\/v\/mI5HWauGyby9Kgfw3GMi4BsUqT6xuR3Llew8Xe8vGQJfr\/gL4rOh\/J2QeVwnx6eU7p7TXFfFu+G51djmC4StNT3wZ+SG1F1Us1xAL5a71uHZQ+edu0UqkhXK+Yv3ieXeHtkxtIT+t2Ii1ToQA83htsAf1zpqM80ZH1643pbntHtsVE2rJVzv+ecOkrbYfP3\/IuGPnvTvGYc8MiZ0D1T1zC996J2REKeRwimYgu2H6kL5xghqtHIDzu7vkWfOOEs5nhMaWFxr+g0QeGcXEhFkP6SsratjoiNd36otkK6JS2TrvNy7UFx3g39owgayQ3fadcBDmEW+TGik4W9XiBV0TRalP6bSgUxUMddwsun0ZTUIrfzMrPHahZO54tk5tPPB0NpW68t6MHNqze1Yl9uhr6S3qjOwTWd1sFn+N7T9mKznM4ZJDXF4LrE1DfDupeMtf7hsKuhnUAc2KuIJnHFKMAOupbr4j+JdlhcUcnRsZsvzyy5JC649eEtj9n80no6XJR0SITQLj7AxydBseG1S\/w6pci5Ww21WEgzPpiEz5bbt3LDIouzOJDg0XmDMKarYsQJHzNpw6MDuw11ZoQQ0oyv2ewki6uCDGjioIUNQAyga\/N8BLmSU\/7gCLa5Fxvg7N+zTa4L\/8QShm1v3d3yRgq5sJB0sTEkXTMz29r+oMxvjN+MNUdbY77zfetTOpDiXT51sbJLFf2ZETe\/6hDXrYrxzX225B+7e7XzlpACK3\/dvbr\/xkF8Og\/dvfr0AYJ2lI\/j7Z+5UbObGdtH87+1UQe65jt3+76H0fOC38k7dfQWu7dbv3\/f0qTSNnC8nfMYK3C7ewxS929qtk5++ctv\/Y3a\/s3Q5urfZvb7+KdyHSCsjf\/n6V+L4dtv3HwX61s0If7sjfkWXtV07kRA7sGhBFUg\/6TteASAJCEMZtg23tV\/7Wtby0a7D3Ky\/yom3YNTj7lQu2KeiAOtZ+tYu9AYZj71eh64cg6Rqc\/WqbhHHaIl5DsF9ZW2tntZ+ggLr9yg5tYMOhxdmvbMt27I48KAZ5v\/KjwA26vsnh8soN3NjzSNuxAs1+ZTt2YEeHIWZrv\/JAGETJoc9KjV5yXLdjhhNI4L46RuCjtcE\/n7bOun0bL2D8zPH9TfcvSnvZvoESuu5XVmTFVosajuTZ0woMyd3efpAVz\/sRVaGPmNqPRj4MgSx76QbSX0vaj+\/Pw9Wl\/WT4Rhfk1L+ZyWRRO\/CyHgCSrfal6w7FeA4PY3BFi7l9VsAj9ajKmiwGeU+NtBweor\/aB52mw27FbetGkti3\/Q4prvv4GmWxGcHfM1h9tD45eNptpLl0pi4JDfpjl\/ES7esHya02RaYz3RzD0nprg0I2JuabEzyjVDfomz4N0SD9kgju0mCQfiCIIxgO0g9Ju8QbpJ8DgiQKB+lnJW4aBoP0SxO466Qlkn5pFKVBMki\/1A0jLxykX7LzbScdpB8IHM+JBunngG2YBIP0g1EQuh4l\/SKQdtIaST+YAJuWfjDcRsAbpF\/g+FYHD0s\/GKIfSvqBGHrQo6SfD+IwDinpl6TRAANJP+CDJHEp6ecHuzDaUdIvgoEHGOkXBw4AlPRzI2+38yjpB2HqpD4t\/dI4jdOIkX6pkzqdzGylXxjtfGCz0i8O4rhDkEg\/aMMAstIvSEHQDYtIv8SHfuoI0s8JN2648Z2N9cmfkn9bn5F\/ZAiCXoCXh1nHiFdRMZvjqRn1v7cMjbTvX\/z8i5\/\/Lvh5VM1skyrFn59qFGNrmt0GqYzQZb5zhO8cre9c4TtX6ztP+M7T+s4XvvN1vjsJdDlp0eUk0OWkRZeTQJeTFl1OAl1OWnQ5CXQ5adElFugSa9ElFugSa9ElFugSa9ElFugSa9ElFugS69ElEL4LdL6LLIv\/MLIsvS9t8Utb70tH\/FJrNiJbxNbWw9YWsbX1sLVFbG09bB0RW0cPW0fE1tHD1hGxdbSwvZQ1\/+WlrHW+fMXpItlP8aU0jW8LlNuP\/VRxaZf+Ehkz\/KfYwNH4FsQx\/6kiKzrb67PY6bPml8LUKONj6Y+Rucl\/rMyeQX\/cludiPiblsrQmlxQs4WZXcdkSfX3KkgQWemlzkexHJ30zkiFRZS21ynmgiFGHqvo++OP1cyorqIXxz4ojU+7kQCpA2IZtePLDxD6rDT6L47LzaVW2cCyNyhaOPJWZP1LZQrP8AtJkrlGPtdfmmGFMc9mBpuePJTykT1+V\/can7DKVO6sv9dsh2EUNL0i42Xa5oM5wX8TDY6sQhNM1PaR1hqfygBD\/iX5l9nZkXzTKxUyIKhNgp3Q9nbuoJ46EcuPgUV0HbfoLMoGfFyFJP7VwXYerGGEtKsAylvOovag47vniclKyWdr4\/JO6R86t505Wm75\/NFrzuXtDOTtah9Bzcuu3YN8xn2VbKwOnn4dvF1AkMOGT1crTgM4dxReUBK27w+dRgoGUIxFv6rbZ8P+EOhITMDwi3wVa0rC43iR5tH43syJBe1dAUmrFII8\/omRtxm9o9ayHDF\/UsnEsS14YitzA4bKvPXo9qQdpRNemKQtVGroe3ZDNgSy5f+dxqOABzV3Pbpfjlb64xC1vrUEprxdxr45fGtJcqod+\/am3S9wpSQjM0fzOjJBdqYA5Fwr4wgF6ybe1K22oMjPiKLKxc1y9sgceX\/ZACay9sUuujqsBu8sA+5OAfR6wErK0pDytRg8RNSjtKU5oiH+zlGBNJec5Ms3UXcKKWNrOMV3YynYOSc\/IxNp6qg0Ldflym2EhBBoWgi21EMZK3y1PRN7if73dmX+2hfPABLR3jylpo0fKcjx9vNKdIkJJQV7LwCj9IzSYJKs+P10vVF7JIeLrPxz\/H53\/sKz\/ZD3RREK8+AIrfITcbU32FD\/S3SXlazHa4Z8e1KGwk9PLx9Gwk6a465LRO5e2uTfN1gsMNITLl6zTHmmrMhjJZSpTkzo276tSqjtkqmucUfTwl2yj\/0WJrvdk8iyg6lUggCogqGb2TvyRY\/2rPZMSBMq5o8c+zbHu1atXgEW8nGPA1P5OybykqQCMKhU8ne92vC\/9RN2SYiSKvZxcsR3RCEhmY8e6uzBa19FsT2S\/nev4IUO2at2ArNJGJYgtdxLavk4pYuwTnFfstseNdgQ6EkegcotfnNm8ZTr2ruMZZIWJol\/H1dSe\/0L11Tsc3KrwfrKF2ejqPoRDBk7Aj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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n1214fpb.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-hero\" data-layout=\"editorial\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>A-P04 \u00b7 TOPIC \u00b7 physical-climate-risk<\/strong>GRA dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRA<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Climate and Nature Financial Risk<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">In development<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Topic dossier \u00b7 Climate and Nature Financial Risk<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Physical climate risk<\/h1><p class=\"nx-tagline\">Physical climate risk is the financial risk from climate hazards: acute events such as floods, storms and wildfire, and chronic shifts such as heat, drought and sea level rise. It reaches finance through damaged collateral, interrupted operations, falling property values and rising insurance costs. This page sets out how physical risk transmits to financial institutions, how it is measured, and who decides.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-panel\"><div class=\"nx-register\" data-variant=\"contents\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>In this dossier<\/strong><\/span><span class=\"nx-eyebrow\">7 parts<\/span><\/div><ol class=\"nx-register-rows\"><li><a href=\"#nx-sec-brief-answer\"><span class=\"nx-register-n\">01<\/span><span class=\"nx-register-k\">In brief<\/span><span class=\"nx-register-v\">The short answer<\/span><\/a><\/li><li><a href=\"#nx-sec-question\"><span class=\"nx-register-n\">02<\/span><span class=\"nx-register-k\">The question<\/span><span class=\"nx-register-v\">Physical climate risk: how the risk develops<\/span><\/a><\/li><li><a href=\"#nx-sec-terms\"><span class=\"nx-register-n\">03<\/span><span class=\"nx-register-k\">Key terms<\/span><span class=\"nx-register-v\">Terms used on this page<\/span><\/a><\/li><li><a href=\"#nx-sec-indicators\"><span class=\"nx-register-n\">04<\/span><span class=\"nx-register-k\">Indicators<\/span><span class=\"nx-register-v\">What is measured, and how well<\/span><\/a><\/li><li><a href=\"#nx-sec-pipeline\"><span class=\"nx-register-n\">05<\/span><span class=\"nx-register-k\">Canvas<\/span><span class=\"nx-register-v\">From sources to decisions<\/span><\/a><\/li><li><a href=\"#nx-sec-sources\"><span class=\"nx-register-n\">06<\/span><span class=\"nx-register-k\">Sources<\/span><span class=\"nx-register-v\">Where the evidence comes from<\/span><\/a><\/li><li><a href=\"#nx-sec-decisions\"><span class=\"nx-register-n\">07<\/span><span class=\"nx-register-k\">Decisions<\/span><span class=\"nx-register-v\">Who decides, and what the evidence serves<\/span><\/a><\/li><\/ol><p class=\"nx-register-foot\">GRA \u00b7 In development \u00b7 service level R0<\/p><\/div><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-sec-field\"><span>02<\/span>Assets on the grid, and the\u2026<\/a><a href=\"#nx-s-4-sec\"><span>03<\/span>Climate scenario analysis, in outline<\/a><a href=\"#nx-sec-question\"><span>04<\/span>Physical climate risk: how the risk\u2026<\/a><a href=\"#nx-sec-terms\"><span>05<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>06<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>07<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>08<\/span>Where the evidence comes from<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"climate\" data-variant=\"stack\" aria-labelledby=\"nx-s-2\"><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\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">Physical climate risk is the financial risk from climate hazards, such as floods, storms, wildfire, heat and sea level rise, that damage assets and disrupt activity. It reaches finance through collateral values, borrower income and insurance availability. Credit committees, supervisors, insurers and investors hold the decisions.<\/p><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"biodiversity\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><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\">Spatial finance<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Assets on the grid, and the portfolio they make.<\/h2><p class=\"nx-lede\">Where a portfolio's assets sit, and how much of its value is most exposed. Hypothetical assets, not an assessment.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><figure class=\"nx-fk nx-sf\" data-fk=\"asset-geocode\" data-gl=\"sf:asset-geocode\" data-sf=\"asset-geocode\" data-sx-credit=\"Natural Earth (public domain) | hypothetical assets and design scores\" data-sx-src=\"Natural Earth ~ public domain ~ https:\/\/www.naturalearthdata.com\/ | Design scenario values by the Global Risks Alliance ~ illustrative, not data\" data-sf-learn-views=\"quality\" aria-label=\"Interactive map: sixteen hypothetical assets at real towns, coloured by a design hazard score. The panel chooses a hazard or an asset.\" 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\"><figcaption class=\"nx-fk-cap\"><span>Sixteen assets at real towns, and the share of portfolio value in the most exposed places.<\/span><span data-honesty=\"true\">Hypothetical assets and design scores, not advice.<\/span><\/figcaption><\/figure><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A-P04\/topics\/physical-climate-risk\/#map\" data-nxf-title=\"Climate and Nature Financial Risk live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-s-4-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-4\"><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\">Console<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Climate scenario analysis, in outline.<\/h2><p class=\"nx-lede\">The working screen behind this subject: its structure, terms and states. Names are placeholders and values illustrative.<\/p><\/div><div class=\"nx-section-body\"><figure class=\"nx-fk nx-cx\" data-fk=\"cx-climfin-scenarios\" data-cx=\"climfin.scenarios\" data-variant=\"section\" aria-label=\"Climate scenario analysis: illustrative console with placeholder names and values\"><div class=\"nx-fk-head\"><div class=\"nx-fk-heading\"><h3 class=\"nx-fk-title\">Climate scenario analysis<\/h3><p class=\"nx-fk-sub\">Physical climate risk \u00b7 Bank loan book \u00b7 Exercise 3<\/p><\/div><div class=\"nx-fk-actions\"><button type=\"button\" class=\"nx-fk-btn\" data-fk-act=\"menu\" aria-haspopup=\"true\" aria-expanded=\"false\" hidden><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 4v11\"\/><path d=\"m7 10 5 5 5-5\"\/><path d=\"M5 20h14\"\/><\/svg>Export<\/button><ul class=\"nx-fk-menu\" data-fk-menu=\"true\" hidden><li><button type=\"button\" data-fk-act=\"export-png\">Image<small>PNG of the map or chart<\/small><\/button><\/li><li><button type=\"button\" data-fk-act=\"export-csv\">Data<small>CSV of the figure's values<\/small><\/button><\/li><\/ul><\/div><\/div><div class=\"nx-cx-status\"><span class=\"nx-fk-pill\" data-state=\"near\"><i aria-hidden=\"true\"><\/i>Disorderly case breaches appetite<\/span><span class=\"nx-cx-prod\">GRA \u00b7 Climate and Nature Financial Risk<\/span><\/div><div class=\"nx-cx-grid\"><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\">Scenario pipeline<\/h4><\/div><\/div><ol class=\"nx-cx-steps\" data-n=\"7\"><li data-st=\"done\"><span class=\"nx-cx-sn\">Select scenarios<\/span><span class=\"nx-cx-snote\">orderly \u00b7 disorderly \u00b7 hot house<\/span><\/li><li data-st=\"done\"><span class=\"nx-cx-sn\">Pathways<\/span><span class=\"nx-cx-snote\">carbon price \u00b7 GDP<\/span><\/li><li data-st=\"done\"><span class=\"nx-cx-sn\">Sector impacts<\/span><span class=\"nx-cx-snote\">margins<\/span><\/li><li data-st=\"done\"><span class=\"nx-cx-sn\">Physical hazards<\/span><span class=\"nx-cx-snote\">assets<\/span><\/li><li data-st=\"now\"><span class=\"nx-cx-sn\">Credit parameters<\/span><span class=\"nx-cx-snote\">PD \u00b7 LGD<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Portfolio loss<\/span><span class=\"nx-cx-snote\">capital<\/span><\/li><li data-st=\"todo\"><span class=\"nx-cx-sn\">Disclose<\/span><span class=\"nx-cx-snote\">limits<\/span><\/li><\/ol><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"matrix\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">PD uplift by sector and scenario<\/h4><p class=\"nx-fk-panel-sub\">basis points, illustrative<\/p><\/div><\/div><div class=\"nx-fk-chart\"><svg class=\"nx-fk-svg\" viewBox=\"0 0 422 166\" width=\"422\" height=\"166\" role=\"img\" focusable=\"false\" preserveAspectRatio=\"xMidYMid meet\" aria-label=\"PD uplift by sector and scenario\" data-fk-chart=\"cx-climfin-scenarios-heat\" data-nx-z=\"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\"><\/svg><\/div><\/div><div class=\"nx-fk-panel nx-cx-p\" data-w=\"3\" data-t=\"chart\"><div class=\"nx-fk-panel-head\"><div><h4 class=\"nx-fk-panel-title\">Expected loss path<\/h4><\/div><\/div><svg class=\"nx-fk-svg\" viewBox=\"0 0 460 210\" width=\"460\" height=\"210\" role=\"img\" aria-label=\"Expected loss path\" focusable=\"false\" tabindex=\"0\" preserveAspectRatio=\"xMidYMid meet\" data-fk-chart=\"cx-climfin-scenarios-c2\" data-fk-xs=\"lin,0,23,36,446\" data-fk-ys=\"lin,0,100,180,20\" data-fk-series=\"Disorderly|ink|l||0:49.6;1:53.9;2:52.9;3:49.4;4:55.3;5:54.6;6:50.8;7:56.4;8:53;9:56;10:60.1;11:63;12:66.5;13:63.2;14:62.9;15:65.9;16:66.8;17:62.8;18:58.4;19:59;20:57;21:57.2;22:59.3;23:64.2~Hot house|acc|l||0:48.8;1:48.6;2:49.7;3:49.2;4:46.4;5:50.3;6:54.5;7:55.4;8:57.2;9:55;10:57.7;11:62.7;12:64.7;13:64.3;14:64.7;15:66.9;16:69.9;17:69.6;18:70.3;19:71.4;20:71.3;21:75.4;22:79;23:80.8\" data-nx-z=\"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\"><\/svg><\/div><\/div><div class=\"nx-fk-tip\" aria-hidden=\"true\" hidden><\/div><figcaption class=\"nx-fk-cap\"><span>Climate scenario analysis: the screen's structure, terms and states for Physical climate risk.<\/span><span data-honesty=\"true\">Placeholder names and illustrative values; a design, not a record or a live system.<\/span><\/figcaption><\/figure><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-5\"><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\">The question<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Physical climate risk: how the risk develops.<\/h2><p class=\"nx-lede\">Direct and indirect asset exposures. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M6 22V4a2 2 0 0 1 2-2h8a2 2 0 0 1 2 2v18Z\"\/><path d=\"M6 12H4a2 2 0 0 0-2 2v6a2 2 0 0 0 2 2h2\"\/><path d=\"M18 9h2a2 2 0 0 1 2 2v9a2 2 0 0 1-2 2h-2\"\/><path d=\"M10 6h4\"\/><path d=\"M10 10h4\"\/><path d=\"M10 14h4\"\/><path d=\"M10 18h4\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Collateral loses value<\/h3><p class=\"nx-p nx-mt-1\">Property in flood zones or exposed coasts can lose value as damage, insurance costs and buyer awareness rise. Mortgages and real estate loans secured on it carry higher loss given default.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M2 20a2 2 0 0 0 2 2h16a2 2 0 0 0 2-2V8l-7 5V8l-7 5V4a2 2 0 0 0-2-2H4a2 2 0 0 0-2 2Z\"\/><path d=\"M17 18h1\"\/><path d=\"M12 18h1\"\/><path d=\"M7 18h1\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Operations and supply chains break<\/h3><p class=\"nx-p nx-mt-1\">Heat, flood and drought interrupt production, logistics and labour. Firms' revenues and ability to repay fall, often at suppliers far from the hazard.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M22 12a10.06 10.06 1 0 0-20 0Z\"\/><path d=\"M12 12v8a2 2 0 0 0 4 0\"\/><path d=\"M12 2v1\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Insurance retreats<\/h3><p class=\"nx-p nx-mt-1\">Rising losses push premiums up and capacity out. Uninsured assets transfer losses to owners and lenders and can lower property values further.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"4.5\" r=\"2.5\"\/><path d=\"m10.2 6.3-3.9 3.9\"\/><circle cx=\"4.5\" cy=\"12\" r=\"2.5\"\/><path d=\"M7 12h10\"\/><circle cx=\"19.5\" cy=\"12\" r=\"2.5\"\/><path d=\"m13.8 17.7 3.9-3.9\"\/><circle cx=\"12\" cy=\"19.5\" r=\"2.5\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Losses correlate regionally<\/h3><p class=\"nx-p nx-mt-1\">A lender concentrated in one region suffers many borrower losses at once. Regional banks and local governments are most exposed.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"biodiversity\" data-tone=\"alt\" data-variant=\"inset\" aria-labelledby=\"nx-s-6\"><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\">Key terms<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Acute physical risk<\/td><td data-label=\"Definition\">Risk from event-driven hazards such as floods, cyclones and wildfires.<\/td><\/tr><tr><td data-label=\"Term\">Chronic physical risk<\/td><td data-label=\"Definition\">Risk from gradual climate shifts such as rising temperatures and sea levels.<\/td><\/tr><tr><td data-label=\"Term\">Loss given default<\/td><td data-label=\"Definition\">The share of an exposure lost if a borrower defaults, after recoveries such as collateral sale.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-7\"><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\">Indicators<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Loan exposure to high physical risk areas<\/td><td data-label=\"Unit\">currency and share of portfolio<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Bank disclosures and supervisory data<\/td><td data-label=\"Label\"><span class=\"nx-chip\">DECLARED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Collateral in flood zones<\/td><td data-label=\"Unit\">share of mortgage collateral value<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Bank data with hazard maps<\/td><td data-label=\"Label\"><span class=\"nx-chip\">MODELLED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Expected annual damage to portfolio assets<\/td><td data-label=\"Unit\">currency per year<\/td><td data-label=\"Cadence\">per assessment<\/td><td data-label=\"Source type\">Physical risk models<\/td><td data-label=\"Label\"><span class=\"nx-chip\">MODELLED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Insurance coverage of collateral<\/td><td data-label=\"Unit\">share insured against relevant perils<\/td><td data-label=\"Cadence\">periodic<\/td><td data-label=\"Source type\">Bank and insurer data<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Physical risk score by asset<\/td><td data-label=\"Unit\">score from vendor or internal model<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Physical risk providers<\/td><td data-label=\"Label\"><span class=\"nx-chip\">MODELLED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Economic losses from climate-related disasters<\/td><td data-label=\"Unit\">currency<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Disaster loss databases<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/gra\/A-P04\/topics\/physical-climate-risk\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" aria-labelledby=\"nx-s-8\"><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\">Canvas<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Physical climate risk as a run graph<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-a-p04-topics-physical-climate-risk-leap-t nx-dag-a-p04-topics-physical-climate-risk-leap-d\" data-nx-z=\"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\"><title id=\"nx-dag-a-p04-topics-physical-climate-risk-leap-t\">Physical climate risk: the LEAP approach to nature-related issues<\/title><desc id=\"nx-dag-a-p04-topics-physical-climate-risk-leap-d\">Locate the interface with nature and sensitive locations, Evaluate dependencies and impacts, Assess the risks and opportunities they create, and Prepare strategy, targets and disclosure. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"biodiversity\" data-tone=\"alt\" aria-labelledby=\"nx-s-9\"><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\">Sources<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">ECB climate-related indicators<\/td><td data-label=\"What it gives\">Experimental physical risk indicators for euro area financial exposures<\/td><td data-label=\"Licence class\">Free, ECB terms<\/td><\/tr><tr><td data-label=\"Source\">NGFS climate scenarios physical risk data<\/td><td data-label=\"What it gives\">Chronic and acute physical risk damage functions<\/td><td data-label=\"Licence class\">Free, NGFS terms<\/td><\/tr><tr><td data-label=\"Source\">Copernicus Climate Data Store<\/td><td data-label=\"What it gives\">Climate projections and indicators<\/td><td data-label=\"Licence class\">Free and open, Copernicus licence<\/td><\/tr><tr><td data-label=\"Source\">First Street Foundation and similar property-level hazard data<\/td><td data-label=\"What it gives\">Property-level flood, fire and heat risk scores<\/td><td data-label=\"Licence class\">Proprietary, terms to check<\/td><\/tr><tr><td data-label=\"Source\">EIOPA and ECB reports on climate physical risk<\/td><td data-label=\"What it gives\">Analysis of physical risk in EU insurance and banking<\/td><td data-label=\"Licence class\">Free, EU reuse terms<\/td><\/tr><tr><td data-label=\"Source\">FEMA National Risk Index<\/td><td data-label=\"What it gives\">County-level natural hazard risk in the United States<\/td><td data-label=\"Licence class\">Public domain<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/gra\/A-P04\/topics\/physical-climate-risk\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"inset\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Decisions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Climate and Nature Financial Risk prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"ledger\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Bank credit risk committees<\/td><td data-label=\"The question\">Whether to adjust lending, pricing or collateral valuation for physical risk<\/td><td data-label=\"Evidence this page serves\">Exposure, hazard and insurance evidence with sources<\/td><\/tr><tr><td data-label=\"Who decides\">Prudential supervisors<\/td><td data-label=\"The question\">Whether physical risk is adequately managed and capitalised<\/td><td data-label=\"Evidence this page serves\">Supervisory data, scenario results and model reviews<\/td><\/tr><tr><td data-label=\"Who decides\">Insurers<\/td><td data-label=\"The question\">Whether to continue writing cover in high-hazard areas<\/td><td data-label=\"Evidence this page serves\">Hazard trends and loss experience<\/td><\/tr><tr><td data-label=\"Who decides\">Investors<\/td><td data-label=\"The question\">How physical risk affects asset values in portfolios<\/td><td data-label=\"Evidence this page serves\">Physical risk data with uncertainty<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Guide to physical risk transmission channels for banks, insurers and investors<\/li><li>Method note on linking hazard maps to collateral data<\/li><li>Brief on reading vendor physical risk scores<\/li><li>Questions for boards on regional concentration<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" data-variant=\"split\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">What risk modellers ask.<\/h2><\/div><div class=\"nx-section-body\" data-lv=\"columns\"><ul class=\"nx-list\"><li>Which assets are exposed to which hazards, and how vulnerable are they?<\/li><li>How will hazard frequency and severity change over the relevant horizon?<\/li><li>How do indirect effects, through suppliers, customers and infrastructure, add to direct damage?<\/li><li>How do exposures concentrate across portfolios and institutions?<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-mechanisms\" class=\"nx-section\" data-hue=\"biodiversity\" data-variant=\"stack\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">From hazard to financial loss.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Risk is commonly expressed as the combination of hazard, exposure and vulnerability. A flood of a given depth causes damage that depends on building type, elevation and protection. Damage becomes insurance claims, repair costs, lost revenue and, for borrowers, reduced ability to repay. Chronic changes erode value more slowly, for example as heat lowers labour productivity or rising seas raise the cost of protecting coastal property.<\/p><p class=\"nx-p nx-mt-2\">Indirect effects can exceed direct damage. A factory may be undamaged but unable to operate because a supplier, port or power plant is. Many institutions underestimate these effects because they are hard to trace.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-data\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and data<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How exposure is assessed, with limits.<\/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\">Catastrophe and hazard models<\/h3><p class=\"nx-p nx-mt-1\">Probabilistic models of events and damage, informed by <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/stem\/climate-science\/\">climate and atmospheric science<\/a>. Many were built for current climate and need adjustment for change.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Geospatial exposure mapping<\/h3><p class=\"nx-p nx-mt-1\">Linking asset locations to hazard maps, using <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/stem\/spatial-statistics\/\">spatial statistics and geostatistics<\/a>. Asset locations are often imprecise. See <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/topics\/model-and-measurement-gaps\/\">Model and measurement gaps<\/a>.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Damage functions<\/h3><p class=\"nx-p nx-mt-1\">Relating hazard intensity to damage. Functions are uncertain and vary by region and asset type.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Supply-chain analysis<\/h3><p class=\"nx-p nx-mt-1\">Tracing indirect exposure through suppliers and infrastructure. Supply-chain data are incomplete.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"climate\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/stem\/climate-science\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Climate and atmospheric science<\/span><span class=\"nx-mledger-role\">Hazard projections for portfolios \u00b7 Tail and compound hazards \u00b7 Scenario physical variables<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/science\/climate-science\/\" aria-label=\"Climate and atmospheric science: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/stem\/spatial-statistics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Spatial statistics and geostatistics<\/span><span class=\"nx-mledger-role\">Geolocating exposures \u00b7 Aggregating location risk \u00b7 Resolution sensitivity<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/spatial-statistics\/\" aria-label=\"Spatial statistics and geostatistics: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/stem\/financial-economics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Financial economics and macro-finance<\/span><span class=\"nx-mledger-role\">Credit risk transmission \u00b7 Market pricing studies \u00b7 Cross-sector transmission<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/science\/financial-economics\/\" aria-label=\"Financial economics and macro-finance: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/stem\/scenario-stress\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">04<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Scenario design and stress testing<\/span><span class=\"nx-mledger-role\">Translating NGFS scenarios \u00b7 Short-term climate scenarios \u00b7 Dynamic balance sheets<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/mathematics\/scenario-stress\/\" aria-label=\"Scenario design and stress testing: canonical page on the STEM Commons\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Physical risk scores from different providers often disagree for the same asset because of different hazard models, resolution and assumptions. Property-level data are proprietary. Supply chain exposure is hard to map. Future hazard projections carry wide uncertainty at local scale. Climate and Nature Financial Risk explains channels and methods; it does not score assets, assess any institution or give investment advice.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-15-sec\" class=\"nx-section\" data-hue=\"biodiversity\" data-tone=\"alt\" aria-labelledby=\"nx-s-15\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">14<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-15\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What is the difference between acute and chronic physical risk?<\/summary><div class=\"nx-answer\">Acute risk comes from events such as floods, storms and wildfires; chronic risk comes from gradual shifts such as rising temperatures, sea level rise and changing rainfall.<\/div><\/details><details><summary>Why do physical risk scores disagree?<\/summary><div class=\"nx-answer\">Providers use different hazard models, climate scenarios, spatial resolutions and vulnerability assumptions. Disagreement signals uncertainty that should be shown to decision makers.<\/div><\/details><details><summary>How does physical risk affect a mortgage?<\/summary><div class=\"nx-answer\">Damage and rising insurance costs can reduce property value and borrower income, increasing the chance of default and the loss if default occurs.<\/div><\/details><details><summary>Why are indirect effects important?<\/summary><div class=\"nx-answer\">Because firms depend on suppliers, customers and infrastructure; disruption anywhere in that network can cause losses even without direct damage.<\/div><\/details><details><summary>Does the platform map individual firms' assets?<\/summary><div class=\"nx-answer\">No. It publishes methods and sector examples. It does not assess any firm's assets or exposure.<\/div><\/details><details><summary>Can historical losses guide future risk?<\/summary><div class=\"nx-answer\">Only partly. Climate change, growing exposure and changing vulnerability mean the past is an incomplete guide.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-16\" class=\"nx-h3 nx-mt-2\">Around Climate and Nature Financial Risk.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/topics\/transition-risk\/\">Transition risk <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/topics\/nature-dependencies\/\">Nature dependencies <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/topics\/scenario-analysis\/\">Scenario analysis <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/topics\/insurance-bank-investment-effects\/\">Insurance bank investment effects <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/topics\/disclosure-and-data\/\">Disclosure and data <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/topics\/adaptation-and-insurability\/\">Adaptation and insurability <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/\">Climate and Nature Financial Risk home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/\">The Global Risks Alliance home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskalliance.com\/trust\/\">GRA governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-17\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Climate and Nature Financial Risk<\/span><h2 id=\"nx-close-17\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. 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=\"mailto:contact@globalriskalliance.com?subject=Climate%20and%20Nature%20Financial%20Risk%3A%20Physical%20climate%20risk\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/topics\/physical-climate-risk\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskalliance.com\/climate-nature-financial-risk\/topics\/physical-climate-risk\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is the difference between acute and chronic physical risk?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Acute risk comes from events such as floods, storms and wildfires; chronic risk comes from gradual shifts such as rising temperatures, sea level rise and changing rainfall.\"}},{\"@type\":\"Question\",\"name\":\"Why do physical risk scores disagree?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Providers use different hazard models, climate scenarios, spatial resolutions and vulnerability assumptions. 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