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:where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n1kvrqam.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 Insurance Nexus<\/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\">Research and industry programmes<\/h1><p class=\"nx-scene-lede\">Insurance Consortium programmes are organised at three levels because protection is organised at three levels: global reinsurance and standard setting, regional risk pools and supervisory practice, and national markets, schemes and public budgets. Each level has its own evidence owners and its own decision holders, and none of them is the Global Risks Alliance (GRA).<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/programmes\/global\/\">Open Global industry questions <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\/insurance-nexus\/\">Back to Insurance Nexus<\/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 research and industry programmes.<\/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 Insurance Nexus \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-insurance-programme-board\" data-cx=\"insurance.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\">Insurer Alpha \u00b7 Research and industry \u00b7 Cycle 1 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\">9<\/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=\"M2,8.5L10.2,13.7L18.4,7.8L26.5,10.1L34.7,4L42.9,3L51.1,6.4L59.3,6.5L67.5,11.5L75.6,18.3L83.8,23L92,5.1L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,8.5L10.2,13.7L18.4,7.8L26.5,10.1L34.7,4L42.9,3L51.1,6.4L59.3,6.5L67.5,11.5L75.6,18.3L83.8,23L92,5.1\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"5.1\" 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\">3<\/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=\"M2,22.5L10.2,23L18.4,18.5L26.5,13.6L34.7,12.7L42.9,8.1L51.1,12L59.3,7.8L67.5,3L75.6,6.7L83.8,7.4L92,19.7L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,22.5L10.2,23L18.4,18.5L26.5,13.6L34.7,12.7L42.9,8.1L51.1,12L59.3,7.8L67.5,3L75.6,6.7L83.8,7.4L92,19.7\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"19.7\" 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=\"M2,20.1L10.2,23L18.4,15.1L26.5,11.1L34.7,13.1L42.9,19L51.1,15.3L59.3,10L67.5,10.4L75.6,4.4L83.8,10.4L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,20.1L10.2,23L18.4,15.1L26.5,11.1L34.7,13.1L42.9,19L51.1,15.3L59.3,10L67.5,10.4L75.6,4.4L83.8,10.4L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" 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\">11<\/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=\"M2,9.7L10.2,7.2L18.4,14.2L26.5,15.6L34.7,9.8L42.9,16L51.1,17.4L59.3,21.4L67.5,22L75.6,23L83.8,20L92,3L92,26L2,26Z\"\/><path data-m=\"sline\" data-k=\"sl\" d=\"M2,9.7L10.2,7.2L18.4,14.2L26.5,15.6L34.7,9.8L42.9,16L51.1,17.4L59.3,21.4L67.5,22L75.6,23L83.8,20L92,3\"\/><circle data-m=\"sdot\" data-k=\"sd\" cx=\"92\" cy=\"3\" 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 Insurance Nexus<\/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\">Climate scenario analysis<\/span><span class=\"nx-cx-cm\"><span class=\"nx-cx-ref\">WS-105<\/span> \u00b7 owner: Appointed actuary<\/span><\/div><div class=\"nx-cx-card\"><span class=\"nx-cx-ct\">Takaful governance review<\/span><span class=\"nx-cx-cm\"><span class=\"nx-cx-ref\">WS-835<\/span> \u00b7 owner: Supervisor<\/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\">Pricing model validation<\/span><span class=\"nx-cx-cm\">Milestone M<span class=\"nx-cx-n\">5<\/span> \u00b7 slipping<\/span><\/div><div class=\"nx-cx-card\" data-s=\"live\"><span class=\"nx-cx-ct\">Underwriting appetite refresh<\/span><span class=\"nx-cx-cm\">Milestone M<span class=\"nx-cx-n\">3<\/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\">Protection gap study<\/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\">Claims surge plan<\/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=\"now\"><span class=\"nx-cx-sn\">Qualified<\/span><span class=\"nx-cx-snote\">inputs<\/span><\/li><li data-st=\"todo\"><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>Insurance Nexus \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-levels\" class=\"nx-section\" data-hue=\"climate\" 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\">Levels<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">Three levels of work.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"3\"><div><span class=\"nx-eyebrow\">Global<\/span><h3 class=\"nx-h4 nx-mt-2\">Global work<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/programmes\/global\/\">See global work in Insurance Nexus<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Regional<\/span><h3 class=\"nx-h4 nx-mt-2\">Regional work<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/programmes\/\">See regional work in Insurance Nexus<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Regions<\/span><h3 class=\"nx-h4 nx-mt-2\">Regions work<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/programmes\/regions\/\">See regions work in Insurance Nexus<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">National<\/span><h3 class=\"nx-h4 nx-mt-2\">National work<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/programmes\/\">See national work in Insurance Nexus<\/a><\/p><\/div><div><span class=\"nx-eyebrow\">Countries<\/span><h3 class=\"nx-h4 nx-mt-2\">Countries work<\/h3><p class=\"nx-p nx-mt-1\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/programmes\/countries\/\">See countries work in Insurance Nexus<\/a><\/p><\/div><\/div><\/div><\/div><\/section><div class=\"nx-live-slot\" data-nxf-slot=\"workflow\" data-nxf-kind=\"workflow\" data-nxf-resource=\"nexus:\/\/gra\/A01\/programmes\/#workflow\" data-nxf-title=\"Programme state\" data-nxf-height=\"520\" hidden><\/div><section id=\"nx-sec-pg-nx-gra-a01-pr-levels\" class=\"nx-section\" data-hue=\"health\" 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\">Programme levels<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">What each level examines.<\/h2><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th>Level<\/th><th>Questions<\/th><th>Evidence owners<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Level\">Global<\/td><td data-label=\"Questions\">How reinsurance capacity, retrocession and insurance-linked securities move after a loss year; how the Insurance Capital Standard and climate expectations are applied<\/td><td data-label=\"Evidence owners\">IAIS, reinsurance market statistics in the public domain, <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 catastrophe-bond\" data-tk=\"Nexus risk vocabulary\" data-td=\"A security that transfers a defined catastrophe risk to investors, whose principal is reduced if a specified event occurs.\" data-ts=\"NRS-C1\" data-tr=\"draft\">catastrophe bond<\/a> disclosures<\/td><\/tr><tr><td data-label=\"Level\">Regional<\/td><td data-label=\"Questions\">How sovereign pools such as CCRIF SPC, PCRIC, African <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 risk-capacity\" data-tk=\"Nexus risk vocabulary\" data-td=\"The maximum risk an actor can bear without breaching its constraints, such as solvency or survival.\" data-ts=\"NRS-C1\" data-tr=\"draft\">Risk Capacity<\/a> and SEADRIF design triggers and premiums; how supervisors in a region apply climate scenarios<\/td><td data-label=\"Evidence owners\">Pool documentation, regional supervisory bodies, multilateral programmes<\/td><\/tr><tr><td data-label=\"Level\">National<\/td><td data-label=\"Questions\">Market depth by line, residual market and public scheme exposure, post-event claims records, fiscal exposure to uninsured loss<\/td><td data-label=\"Evidence owners\">Insurance supervisors, ministries of finance, statistics offices<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-s-4-sec\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" 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\">Process<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">How the process runs.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-launch\" id=\"explore-nx-pe-policy-cycle\" data-kind=\"explorer\" data-js><div class=\"nx-launch-row\"><div class=\"nx-launch-text\"><p class=\"nx-launch-eb\">Process explorer \u00b7 Process<\/p><h3 class=\"nx-launch-t\" id=\"explore-nx-pe-policy-cycle-t\">Research and industry programmes: Policy question to decision<\/h3><p class=\"nx-launch-facts\"><span>9 steps<\/span><span class=\"nx-launch-sep\" aria-hidden=\"true\">\u00b7<\/span><span>5 stages<\/span><span class=\"nx-launch-sep\" aria-hidden=\"true\">\u00b7<\/span><span>1 gate<\/span><\/p><\/div><button type=\"button\" class=\"nx-launch-open\" aria-expanded=\"false\" aria-controls=\"explore-nx-pe-policy-cycle-body\" data-open-label=\"Open explorer\" data-close-label=\"Close explorer\"><svg class=\"nx-launch-i nx-launch-play\" viewBox=\"0 0 14 14\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M2.5 1v12L13 7z\"\/><\/svg><svg class=\"nx-launch-i nx-launch-x\" viewBox=\"0 0 14 14\" aria-hidden=\"true\" focusable=\"false\"><path d=\"m2.5 2.5 9 9m0-9-9 9\"\/><\/svg><span>Open explorer<\/span><\/button><\/div><div class=\"nx-launch-body\" id=\"explore-nx-pe-policy-cycle-body\" role=\"region\" aria-labelledby=\"explore-nx-pe-policy-cycle-t\" tabindex=\"-1\"><div class=\"nx-pe\" id=\"nx-pe-policy-cycle\" data-nx-pe=\"nx-pe-policy-cycle\" data-active=\"policy-cycle\"><div class=\"nx-pe-shell\"><p class=\"nx-pe-eb\">Process<\/p><h2 class=\"nx-pe-title\">Research and industry programmes: Policy question to decision<\/h2><p class=\"nx-pe-cap\">A priority becomes a question, evidence, a decision case and a limited publication; the competent authority decides, never the programme.<\/p><ol class=\"nx-pe-steps\"><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">01 Question<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">01<\/span><span class=\"nx-pe-st\">A priority becomes a question<\/span><span class=\"nx-pe-k\">Step \u00b7 <a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/universe\">Universe<\/a>; national counterparts<\/span><span class=\"nx-pe-sm\">A priority becomes a researchable question with stated criteria. National counterparts own the agenda, data and decisions.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">03<\/span><span class=\"nx-pe-st\">Scientific and stakeholder challenge<\/span><span class=\"nx-pe-k\">Step \u00b7 the Global Centre for Risk and Innovation (GCRI); the Global Risks Forum (GRF)<\/span><span class=\"nx-pe-sm\">Scientific and affected-stakeholder challenge informs mission selection and methods.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">02 Evidence and options<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">04<\/span><span class=\"nx-pe-st\">Assemble the evidence<\/span><span class=\"nx-pe-k\">Step \u00b7 GCRI<\/span><span class=\"nx-pe-sm\">Methods, labelled data and uncertainty are assembled. Every finding carries one of nine evidence labels.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">06<\/span><span class=\"nx-pe-st\">Decision case with options<\/span><span class=\"nx-pe-k\">Record \u00b7 The decision owner named in the case<\/span><span class=\"nx-pe-sm\">A decision case binds owner, alternatives, evidence and deadline. It needs sensitivity and robustness.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">03 Review and publication<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">07<\/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\">08<\/span><span class=\"nx-pe-st\">Publish with method, uncertainty and limits<\/span><span class=\"nx-pe-k\">Record \u00b7 <a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/reports\">Reports<\/a><\/span><span class=\"nx-pe-sm\">Findings are published with their method, uncertainty and limits. An edition is published after review, not to a calendar.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">04 Outside the programme<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">02<\/span><span class=\"nx-pe-st\">Competent authority decides<\/span><span class=\"nx-pe-k\">Decision \u00b7 The competent authority<\/span><span class=\"nx-pe-sm\">The authority or institution decides under its own rules. The authority decides; the programme informs.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">05<\/span><span class=\"nx-pe-st\">Action and implementation stay with the owners<\/span><span class=\"nx-pe-k\">Actor \u00b7 The relevant government, operator or licensed institution<\/span><span class=\"nx-pe-sm\">Decisions and execution stay with the relevant government, operator or licensed institution. The programme records one only if shared.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">05 Learning<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">09<\/span><span class=\"nx-pe-st\">Corrections and lessons feed the next agenda<\/span><span class=\"nx-pe-k\">Step \u00b7 Universe<\/span><span class=\"nx-pe-sm\">Corrections and lessons feed the next annual agenda. The findings of one year set the mandate of the next.<\/span><\/li><\/ol><\/li><\/ol><p class=\"nx-pe-foot\"><span><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/the-nexus-cycle\" rel=\"noopener\">The Nexus cycle<\/a> \u00b7 Decision rights \u00b7 The programme year<\/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><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"climate\" aria-label=\"How a programme opens, Status, Sources\"><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=\"How a programme opens, Status, Sources\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-pg-nx-gra-a01-pr-entry\" aria-selected=\"true\" data-key=\"p1\">How a programme opens<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-2\" aria-controls=\"nx-sec-status\" aria-selected=\"false\" data-key=\"p2\">Status<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-3\" aria-controls=\"nx-sec-pg-sources\" aria-selected=\"false\" data-key=\"p3\">Sources<\/button><\/div><section id=\"nx-sec-pg-nx-gra-a01-pr-entry\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" data-variant=\"band\" aria-labelledby=\"nx-s-5\" 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\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">How a programme opens<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">A programme starts with an owner&#8217;s question.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Programme work begins when a ministry, supervisor, pool or national consortium asks a question it owns, for example which perils drive uninsured loss in its housing stock. Insurance Nexus then frames the evidence and the diligence questions. Country contexts sit under <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/programmes\/countries\/\">country readiness contexts<\/a>; regional architecture under regional exposures. Programme enquiries reach the Consortium Secretariat; an enquiry is not a programme.<\/p><\/div><\/div><\/section><section id=\"nx-sec-status\" class=\"nx-section nx-band-panel\" data-hue=\"health\" data-variant=\"split\" aria-labelledby=\"nx-s-6\" 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\">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\">Every programme shows where it stands.<\/h2><p class=\"nx-lede\">A programme is shown as exploring, forming, constituted, active, paused or archived, according to its record. A plan is never presented as an activity.<\/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-3\"><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\" data-nav=\"true\"><li><a class=\"nx-link\" href=\"https:\/\/www.iais.org\/activities-topics\/standard-setting\/icps-and-comframe\/\"><span>IAIS Insurance Core Principles and ComFrame, including the Insurance Capital Standard (adopted December 2024)<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/www.ccrif.org\/\"><span>CCRIF SPC parametric policy documentation<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/www.financialprotectionforum.org\/\"><span>World Bank Disaster Risk Financing and Insurance Program: risk layering and instrument guidance<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><li><a class=\"nx-link\" href=\"https:\/\/www.globalshield.org\/\"><span>IDA Crisis Response Window and Global Shield against Climate Risks<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/li><\/ul><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-2\" data-tone=\"alt\" data-hue=\"climate\" aria-label=\"Pages, 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=\"Pages, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-1\" aria-controls=\"nx-s-8-sec\" aria-selected=\"true\" data-key=\"p1\">Pages<\/button><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-2-tab-2\" aria-controls=\"nx-s-9-sec\" aria-selected=\"false\" data-key=\"p2\">Questions<\/button><\/div><section id=\"nx-s-8-sec\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" aria-labelledby=\"nx-s-8\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-1\"><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\">Pages<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Pages in Research and industry programmes.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-cards\" data-cols=\"3\"><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/programmes\/global\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Global industry questions<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/programmes\/regions\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Regional exposures<\/h3><\/a><a class=\"nx-card\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/programmes\/countries\/\"><span class=\"nx-eyebrow\">Page<\/span><h3 class=\"nx-h4 nx-mt-2\">Country readiness contexts<\/h3><\/a><\/div><\/div><\/div><\/section><section id=\"nx-s-9-sec\" class=\"nx-section nx-band-panel\" data-hue=\"health\" aria-labelledby=\"nx-s-9\" role=\"tabpanel\" data-band-tab=\"nx-band-2-tab-2\"><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\">Questions<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>How does a country take part?<\/summary><div class=\"nx-answer\">Through its national programme. Country enquiries go to the Consortium Secretariat at <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/write-to-us\/contact\/\">the contact form<\/a> or a regional desk.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section nx-deeper-band\" aria-labelledby=\"nx-deeper-lobalriskalliance-com-insurance-nexus-programmes-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-lobalriskalliance-com-insurance-nexus-programmes-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-lobalriskalliance-com-insurance-nexus-programmes-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/model\/scenarios\/urban-flood\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> Urban flood<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\/insurance-reinsurance\/\" data-ext><span class=\"nx-deeper-k\">Academy:<\/span> Insurance, reinsurance and protection gaps<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-10\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Insurance Nexus<\/span><h2 id=\"nx-close-10\" 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\/insurance-nexus\/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\/insurance-nexus\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-legal-11\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Legal<\/span><h2 id=\"nx-legal-11\" 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><script class=\"_iub_cs_skip\">(function(){var n=600;function t(){var h=document.querySelector('.nxe-host[data-nxe-embed=\"n-a01-programmes\"]');if(typeof window.__nxLaunch===\"function\" ? (h ? !!h.shadowRoot : false) : false){window.__nxLaunch(h.shadowRoot);return;}n=n-1;if(n){requestAnimationFrame(t);}}t();})();<\/script>\n\n<!-- nx-rev:9609612a6166c393 -->\n<!-- nx-shared:dfc5412d451f -->\n<!-- nx-path:\/programmes\/ -->","protected":false},"excerpt":{"rendered":"<p>Insurance Consortium programmes are organised at three levels because protection is organised at three levels: global reinsurance and standard setting, regional risk pools and supervisory practice, and national markets, schemes and public budgets. Each level has its own evidence owners\u2026<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":800,"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-22","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/pages\/22","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/comments?post=22"}],"version-history":[{"count":3,"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/pages\/22\/revisions"}],"predecessor-version":[{"id":263,"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/pages\/22\/revisions\/263"}],"wp:attachment":[{"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/media?parent=22"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}