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\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auto;padding:0 16px;font-family:ui-sans-serif,system-ui,-apple-system,\"Segoe UI\",sans-serif;line-height:1.55;overflow-wrap:break-word}#nxe-n11ienpy.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-n11ienpy.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-n11ienpy.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-n11ienpy.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-n11ienpy.nxe :where(ul,ol){padding-left:20px}#nxe-n11ienpy.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-n11ienpy.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-n11ienpy.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-n11ienpy.nxe svg{display:none}#nxe-n11ienpy.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-n11ienpy.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n11ienpy.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\">Global industry questions<\/h1><p class=\"nx-scene-lede\">Some insurance questions only make sense across borders: reinsurance capacity is global, catastrophe models are shared, and the capital standard for internationally active groups was adopted at the IAIS. This page lists the global questions Insurance Nexus works on in 2026 and the international instruments each is read against.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/write-to-us\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/programmes\/\">Back to Research and industry programmes<\/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\">Contents<\/span><\/div><h2 id=\"nx-s-1\" class=\"nx-section-title\">Global industry questions in five parts.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-es-fig\" data-es-layout=\"editorial\"><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\">5 parts<\/span><\/div><ol class=\"nx-register-rows\"><li><a href=\"#nx-sec-scope\"><span class=\"nx-register-n\">01<\/span><span class=\"nx-register-k\">Scope<\/span><span class=\"nx-register-v\">Global subject programme in Insurance Nexus<\/span><\/a><\/li><li><a href=\"#nx-sec-pg-nx-gra-a01-pg-q\"><span class=\"nx-register-n\">02<\/span><span class=\"nx-register-k\">Cross-border questions<\/span><span class=\"nx-register-v\">Global insurance questions and their reference instruments<\/span><\/a><\/li><li><a href=\"#nx-sec-pg-nx-gra-a01-pg-note\"><span class=\"nx-register-n\">03<\/span><span class=\"nx-register-k\">Reading the record<\/span><span class=\"nx-register-v\">Status lines are rechecked before every republication<\/span><\/a><\/li><li><a href=\"#nx-sec-status\"><span class=\"nx-register-n\">04<\/span><span class=\"nx-register-k\">Status<\/span><span class=\"nx-register-v\">Work is shown as its record stands<\/span><\/a><\/li><li><a href=\"#nx-sec-pg-sources\"><span class=\"nx-register-n\">05<\/span><span class=\"nx-register-k\">Sources<\/span><span class=\"nx-register-v\">Where this page&#8217;s references lead<\/span><\/a><\/li><\/ol><\/div><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-scope\" class=\"nx-section\" data-hue=\"climate\" data-tone=\"alt\" 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\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Scope<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">Global subject programme in Insurance Nexus.<\/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\">Insurance market structure<\/h3><p class=\"nx-p nx-mt-1\">Carriers, brokers and <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/nrs\/#nrs-c1\" data-tc=\"NRS-C1 risk-transfer\" data-tk=\"Nexus risk vocabulary\" data-td=\"Shifting the financial consequences of a risk from one party to another, typically through insurance, reinsurance, bonds or contracts, without reducing the hazard itself.\" data-ts=\"NRS-C1\" data-tr=\"draft\">risk transfer<\/a> roles.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">Underwriting and pricing risk<\/h3><p class=\"nx-p nx-mt-1\">Risk factors, data limits and role boundaries.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">Property and casualty<\/h3><p class=\"nx-p nx-mt-1\">Catastrophe and portfolio exposure.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Health and life insurance<\/h3><p class=\"nx-p nx-mt-1\">Social, health and longevity risk.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">05<\/span><div><h3 class=\"nx-h4\">Claims and operational resilience<\/h3><p class=\"nx-p nx-mt-1\">Continuity, fraud and claims <a class=\"nx-link nx-term\" href=\"https:\/\/docs.therisk.global\/organization\/systems\" data-tc=\"Systems\" data-tk=\"Nexus Standards\" data-td=\"The twenty Nexus systems, NXS-CMD to NXS-LAB\">systems<\/a>.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">06<\/span><div><h3 class=\"nx-h4\">Insurance protection gaps<\/h3><p class=\"nx-p nx-mt-1\">Underinsurance and loss transmission.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><div class=\"nx-live-slot\" data-nxf-slot=\"workflow\" data-nxf-kind=\"workflow\" data-nxf-resource=\"nexus:\/\/gra\/A01\/programmes\/global\/#workflow\" data-nxf-title=\"Programme state\" data-nxf-height=\"520\" hidden><\/div><section id=\"nx-sec-field\" 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\">Geography<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Hazards and exposure in the Gulf of Mexico coast.<\/h2><p class=\"nx-lede\">Population density, flood water and night lights over the Gulf of Mexico coast, from NASA GIBS. Each layer carries its own date.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-cmap-field\" data-nx-map=\"ctx-field\" data-cmap=\"gulf-coast:risk\" data-ml-points=\"on\" data-ml-feeds=\"eonet|https:\/\/eonet.gsfc.nasa.gov\/api\/v3\/events\" data-ml-src=\"risk\" data-ml-plan=\"p-405b3b7c\" data-ml-view=\"2d\" data-ml-ctx=\"theme:risk\" data-ml-list=\"gibs.health.people gibs.water.flood gibs.energy.ntl gibs.health.lstd gibs.energy.fires gibs.health.aod ev.eonet ev.usgs r.hbase r.dnb r.labels f.ens gx.nhc gx.ems\" data-ml-tools=\"inspect measure compare export\"><div class=\"nx-wm\" data-nx-water=\"ctx-risk\" data-wm-domain=\"ctx-risk\" data-wm-tiles=\"on\" data-wm-flat=\"on\" data-wm-focus=\"-98,24,-80,33\" data-ws-live=\"off\" data-claim=\"INTEGRATED\" data-wm-panel=\"closed\" data-wm-mode=\"2d\"><div class=\"nx-wm-stage\" tabindex=\"0\" role=\"application\" aria-roledescription=\"interactive map\" aria-label=\"Hazards and exposure, the Gulf of Mexico coast: satellite and model layers from NASA on a 3D terrain of ASTER GDEM elevation. Arrow keys move; with Shift they turn and tilt in 3D; plus and minus zoom, 0 resets; I inspects, question mark lists the keys.\" aria-describedby=\"nx-wm-help\"><canvas class=\"nx-wm-canvas\" aria-hidden=\"true\"><\/canvas><p class=\"nx-wm-noscript\">The interactive map needs JavaScript; the layer list and sources are below.<\/p><div class=\"nx-wm-presets\" role=\"group\" aria-label=\"Quick views\"><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood,people||||\" aria-pressed=\"false\">People and floods<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"flood,ntl||||\" aria-pressed=\"false\">Floods and lights<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"ntl,people||||\" aria-pressed=\"false\">Lights and people<\/button><button type=\"button\" class=\"nx-wm-preset\" data-wm-preset=\"people||||\" aria-pressed=\"false\">Population<\/button><\/div><div class=\"nx-wm-panel\" id=\"nx-wm-panel\" role=\"region\" aria-label=\"Map layers\"><div class=\"nx-wm-panel-head\"><p class=\"nx-wm-panel-title\">Layers <span class=\"nx-wm-count\">3<\/span><\/p><button type=\"button\" class=\"nx-wm-icon nx-wm-panel-close\" data-wm-act=\"panel\" aria-label=\"Close the layer list\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-panel-body\"><div class=\"nx-wm-group\"><p class=\"nx-wm-group-title\">Hazards and exposure, for this page<\/p><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"people\" aria-pressed=\"true\" data-wm-z=\"20\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Population density\" data-wm-prov=\"NASA SEDAC (CIESIN, Columbia University)\" data-wm-kind=\"Census-based estimate, static (2020)\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Population density, 2020<\/span><span class=\"nx-wm-layer-src\">NASA SEDAC (CIESIN, Columbia University) Gridded Population of the World v4.11 \u00b7 <span data-wm-date=\"people\">static<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"estimated\" data-wm-lic=\"CC BY 4.0\" data-wm-unit=\"people\/km\u00b2\">Estimated<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"people\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.health.people\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Estimated<\/dd><dt>Source<\/dt><dd>Gridded Population of the World v4.11 (NASA SEDAC (CIESIN, Columbia University))<\/dd><dt>Provider<\/dt><dd>NASA SEDAC (CIESIN, Columbia University)<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener noreferrer\">CC BY 4.0<\/a><\/dd><dt>Vintage<\/dt><dd>null; Census-based estimate, static (2020)<\/dd><dt>Resolution<\/dt><dd>about 1 km grid<\/dd><dt>Uncertainty<\/dt><dd>Census-based estimate of people per square kilometre in 2020, shown as exposure context; not a count of people affected by any hazard.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"flood\" aria-pressed=\"true\" data-wm-z=\"21\" data-wm-lag=\"0\" data-wm-short=\"Flood water\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite detection; clouds leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Flood water, 3-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS Global Flood Product \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\">Observed (clouds leave gaps)<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"flood\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.water.flood\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed (clouds leave gaps)<\/dd><dt>Source<\/dt><dd>VIIRS Global Flood Product (NASA LANCE)<\/dd><dt>Provider<\/dt><dd>NASA LANCE<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>daily; Satellite detection; clouds leave gaps<\/dd><dt>Newest at build<\/dt><dd>2026-10-14<\/dd><dt>Resolution<\/dt><dd>about 250 m grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite detection; clouds leave gaps. Satellite or model raster as the provider publishes it. Clouds, swath gaps and retrieval error leave gaps and noise; values are indicators, not measurements at a place.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"ntl\" aria-pressed=\"true\" data-wm-z=\"22\" data-wm-lag=\"0\" data-wm-op=\"0.9\" data-wm-short=\"Night lights\" data-wm-prov=\"NASA LAADS DAAC\" data-wm-kind=\"Satellite radiance, corrected for moonlight and atmosphere\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Night-time lights, daily<\/span><span class=\"nx-wm-layer-src\">NASA LAADS DAAC VIIRS Black Marble (VNP46A2) \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\" data-wm-unit=\"nW\/(cm\u00b2 sr)\">Observed<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"ntl\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.energy.ntl\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed<\/dd><dt>Source<\/dt><dd>VIIRS Black Marble (VNP46A2) (NASA LAADS DAAC)<\/dd><dt>Provider<\/dt><dd>NASA LAADS DAAC<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>daily; Satellite radiance, corrected for moonlight and atmosphere<\/dd><dt>Newest at build<\/dt><dd>2026-10-12<\/dd><dt>Resolution<\/dt><dd>about 500 m grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite night-time radiance for the date shown; lights are a proxy for electricity use and outages, not a measurement of supply or access.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"lstd\" aria-pressed=\"false\" data-wm-z=\"23\" data-wm-lag=\"0\" data-wm-op=\"0.8\" data-wm-short=\"Land temperature, day\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite 8-day composite; persistent cloud still leaves gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Land surface temperature, day, 8-day composite<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 Level 3, 8-day \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\" data-wm-unit=\"\u00b0C\">Observed (persistent cloud still leaves gaps)<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"lstd\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.health.lstd\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed (persistent cloud still leaves gaps)<\/dd><dt>Source<\/dt><dd>VIIRS NOAA-20 Level 3, 8-day (NASA LANCE)<\/dd><dt>Provider<\/dt><dd>NASA LANCE<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>8-day; Satellite 8-day composite; persistent cloud still leaves gaps<\/dd><dt>Newest at build<\/dt><dd>2026-09-14<\/dd><dt>Resolution<\/dt><dd>about 1 km grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite skin temperature of the ground over the 8 days ending on the date shown, a heat exposure indicator; not air temperature, heat index or a heat warning.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"fires\" aria-pressed=\"false\" data-wm-z=\"24\" data-wm-lag=\"0\" data-wm-op=\"1\" data-wm-breaks=\"10,50,200\" data-wm-short=\"Fires and flares\" data-wm-prov=\"NASA LANCE FIRMS\" data-wm-kind=\"Satellite detection; clouds and overpass timing leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Active fires and thermal anomalies<\/span><span class=\"nx-wm-layer-src\">NASA LANCE FIRMS VIIRS NOAA-20 375 m (FIRMS) \u00b7 <span data-wm-date=\"fires\">13 Oct 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\" data-wm-unit=\"MW\">Observed (clouds and overpass timing leave gaps)<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"fires\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.energy.fires\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed (clouds and overpass timing leave gaps)<\/dd><dt>Source<\/dt><dd>VIIRS NOAA-20 375 m (FIRMS) (NASA LANCE FIRMS)<\/dd><dt>Provider<\/dt><dd>NASA LANCE FIRMS<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>daily; Satellite detection; clouds and overpass timing leave gaps<\/dd><dt>Newest at build<\/dt><dd>2026-10-13<\/dd><dt>Resolution<\/dt><dd>about 500 m grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite hot-spot detections for the day shown, including gas flares and industrial heat; not a confirmed fire, an incident report or a warning.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><button type=\"button\" class=\"nx-wm-layer\" data-wm-toggle=\"aod\" aria-pressed=\"false\" data-wm-z=\"25\" data-wm-lag=\"1\" data-wm-op=\"0.8\" data-wm-short=\"Haze (aerosol)\" data-wm-prov=\"NASA LANCE\" data-wm-kind=\"Satellite retrieval; clouds leave gaps\"><span class=\"nx-wm-check\" aria-hidden=\"true\"><\/span><span class=\"nx-wm-layer-text\"><span class=\"nx-wm-layer-name\">Aerosol optical depth, daily<\/span><span class=\"nx-wm-layer-src\">NASA LANCE VIIRS NOAA-20 Deep Blue AOD \u00b7 <span data-wm-date=\"aod\">13 Oct 2026<\/span><\/span><span class=\"nx-wm-layer-src\" data-wm-ep=\"observed\" data-wm-lic=\"NASA open data\" data-wm-unit=\"AOD\">Observed (clouds leave gaps)<\/span><\/span><\/button><div class=\"nx-wm-tools\" data-wm-tools=\"aod\" hidden><\/div><details class=\"nx-wm-prov\" data-wm-prov-for=\"gibs.health.aod\"><summary>About this layer<\/summary><dl class=\"nx-wm-prov-list\"><dt>Evidence<\/dt><dd>Observed (clouds leave gaps)<\/dd><dt>Source<\/dt><dd>VIIRS NOAA-20 Deep Blue AOD (NASA LANCE)<\/dd><dt>Provider<\/dt><dd>NASA LANCE<\/dd><dt>Licence<\/dt><dd><a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener noreferrer\">NASA open data<\/a><\/dd><dt>Vintage<\/dt><dd>daily; Satellite retrieval; clouds leave gaps<\/dd><dt>Newest at build<\/dt><dd>2026-10-14<\/dd><dt>Resolution<\/dt><dd>about 2 km grid<\/dd><dt>Uncertainty<\/dt><dd>Satellite measure of haze, smoke and dust through the whole air column on the day shown; an exposure indicator, not ground-level PM2.5, an air quality index or a health warning.<\/dd><dt>Reached through<\/dt><dd>gibs.earthdata.nasa.gov, only after you allow the live map<\/dd><\/dl><\/details><\/div><\/div><\/div><div class=\"nx-wm-rail\" role=\"toolbar\" aria-orientation=\"vertical\" aria-label=\"Map controls\"><button type=\"button\" class=\"nx-wm-icon nx-wm-open\" data-wm-act=\"panel\" aria-controls=\"nx-wm-panel\" aria-expanded=\"false\" aria-label=\"Layers\" title=\"Layers\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M8 2.5l-6.5 3.5 6.5 3.5 6.5-3.5zm-6.5 6.5 6.5 3.5 6.5-3.5m-13 2.8 6.5 3.5 6.5-3.5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" 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shortcuts<kbd>?<\/kbd><\/button><\/div><div class=\"nx-wm-keys\" role=\"dialog\" aria-label=\"Keyboard shortcuts\" hidden><p class=\"nx-wm-keys-title\">Keyboard, with the map focused<\/p><dl class=\"nx-wm-keys-list\"><\/dl><button type=\"button\" class=\"nx-wm-icon nx-wm-keys-close\" data-wm-tool=\"keys\" aria-label=\"Close the shortcuts\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><p class=\"nx-wm-hint\" hidden>Hold Ctrl or \u2318 and scroll to zoom<\/p><p class=\"nx-wm-toolbar\" role=\"status\" hidden><\/p><div class=\"nx-wm-tip\" role=\"tooltip\" hidden><\/div><div class=\"nx-wm-pin\" hidden><div class=\"nx-wm-pin-head\"><p class=\"nx-wm-pin-title\"><\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-act=\"unpin\" aria-label=\"Close the card\"><svg viewBox=\"0 0 16 16\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M3.5 3.5l9 9M12.5 3.5l-9 9\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><\/div><div class=\"nx-wm-pin-chart\"><\/div><div class=\"nx-wm-pin-body\"><\/div><\/div><div class=\"nx-wm-dock\"><div class=\"nx-wm-time\" role=\"group\" aria-label=\"Imagery date\"><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"prev\" aria-label=\"One day earlier\">\u2039<\/button><p class=\"nx-wm-time-label\">Latest available<\/p><button type=\"button\" class=\"nx-wm-icon\" data-wm-step=\"next\" aria-label=\"One day later\">\u203a<\/button><span class=\"nx-wm-track\" role=\"slider\" tabindex=\"0\" aria-label=\"Imagery date, up to 30 days back\" aria-valuemin=\"0\" aria-valuemax=\"30\" aria-valuenow=\"30\" aria-valuetext=\"Latest available\"><\/span><button type=\"button\" class=\"nx-wm-latest\" data-wm-step=\"latest\" aria-pressed=\"true\">Latest<\/button><\/div><div class=\"nx-wm-chips\" role=\"group\" aria-label=\"Legends\"><\/div><p class=\"nx-wm-attrib\">NASA GIBS \/ EOSDIS \u00b7 ASTER GDEM (METI, NASA) \u00b7 Blue Marble (NASA) \u00b7 \u00a9 OpenStreetMap contributors (ODbL) \u00b7 Natural Earth<\/p><div class=\"nx-wm-legends\" aria-live=\"polite\" hidden><\/div><\/div><\/div><div class=\"nx-container nx-wm-below\"><p class=\"nx-wm-status\" role=\"status\">Loading the latest NASA imagery.<\/p><p id=\"nx-wm-help\" class=\"nx-wm-help\">Drag to move. Ctrl or \u2318 and scroll, pinch or the buttons to zoom; hover for the values under the pointer; reset returns to the region.<\/p><p class=\"nx-caption\"><span>Hazards and exposure, framed on the Gulf of Mexico coast.<\/span><span data-honesty=\"true\">Satellite and model products as NASA publishes them, each with its own date. They are indicators, not assessments of any place.<\/span><\/p><details class=\"nx-wm-credits\"><summary><span class=\"nx-wm-credits-line\">Data: NASA GIBS \u00b7 ASTER GDEM \u00b7 Blue Marble \u00b7 <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\">\u00a9 OpenStreetMap contributors<\/a> \u00b7 Natural Earth \u00b7 NASA EONET \u00b7 U.S. Geological Survey \u00b7 CIESIN\/Columbia, NASA SEDAC HBASE<\/span><span class=\"nx-wm-credits-more\">Sources and licences<\/span><\/summary><p class=\"nx-wm-credit\"><ul class=\"nx-wm-credit-list\"><li data-wm-credit=\"nasa.gibs.field-layers\">We acknowledge the use of imagery provided by services from NASA&#8217;s Global Imagery Browse Services (GIBS), part of NASA&#8217;s Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.gibs.water-layers\">We acknowledge the use of imagery provided by services from NASA&#8217;s Global Imagery Browse Services (GIBS), part of NASA&#8217;s Earth Science Data and Information System (ESDIS). Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"sedac.gpw-v4\">Center for International Earth Science Information Network (CIESIN), Columbia University. 2018. Gridded Population of the World, Version 4 (GPWv4): Population Density, Revision 11. NASA Socioeconomic Data and Applications Center (SEDAC). Licensed under CC BY 4.0. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/doi.org\/10.7927\/H49C6VHW\" rel=\"noopener\">doi:10.7927\/H49C6VHW<\/a>. <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\">CC BY 4.0<\/a><\/li><li data-wm-credit=\"nasa.lance.viirs-water\">VIIRS near-real-time products (flood, land surface temperature, snow cover, corrected reflectance), NASA LANCE; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.laads.black-marble\">VIIRS Black Marble night-time lights, NASA Goddard Space Flight Center; distributed by the NASA Level-1 and Atmosphere Archive and Distribution System (LAADS DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.lance.firms\">NASA Fire Information for Resource Management System (FIRMS), VIIRS 375 m active fire product, NASA LANCE; vector tiles via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa.modis-viirs.atmosphere\">MODIS and VIIRS atmosphere products, NASA LANCE and LAADS DAAC; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"nasa-meti.aster-gdem-v3\">ASTER GDEM is a product of METI and NASA (ASTER Global Digital Elevation Model V003, NASA LP DAAC); imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). Cite as: NASA\/METI\/AIST\/Japan Spacesystems and U.S.\/Japan ASTER Science Team (2019). ASTER Global Digital Elevation Model V003. <a class=\"nx-link\" href=\"https:\/\/doi.org\/10.5067\/ASTER\/ASTGTM.003\" rel=\"noopener\">doi:10.5067\/ASTER\/ASTGTM.003<\/a>. <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li data-wm-credit=\"naturalearth.all-scales\">Made with Natural Earth. Free vector and raster map data @ naturalearthdata.com. <a class=\"nx-link\" href=\"https:\/\/www.naturalearthdata.com\/about\/terms-of-use\/\" rel=\"noopener\">Public domain<\/a><\/li><li data-wm-credit=\"nasa.gibs.reference-osm\">\u00a9 OpenStreetMap contributors (ODbL), via NASA GIBS (coastlines, boundaries, roads and place names). Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.openstreetmap.org\/copyright\" rel=\"noopener\">ODbL<\/a><\/li><li data-wm-credit=\"nasa.earth-observatory.blue-marble\">Blue Marble, NASA Earth Observatory; imagery via NASA GIBS. Colours redrawn from the published colour map; values averaged into hexagonal cells where shown (modified). <a class=\"nx-link\" href=\"https:\/\/www.earthdata.nasa.gov\/engage\/open-data-services-software-policies\" rel=\"noopener\">NASA open data<\/a><\/li><li>Context on the globe and flat map: coastlines, boundaries, roads and place names from NASA GIBS reference layers (OpenStreetMap data, ODbL, \u00a9 OpenStreetMap contributors); Blue Marble imagery as an optional base; 3D terrain and the elevation read-out from the ASTER GDEM elevation colour index (5 m to 200 m classes, exaggerated for legibility). Boundaries are drawn as published and imply no position on any territory.<\/li><li><\/li><li>Live events: NASA Earth Observatory Natural Event Tracker (EONET); events are indicative and keep their original source links.<\/li><li>Live: NASA EONET Events are indicative, not authority warnings.<\/li><li>Live: U.S. Geological Survey Events are indicative, not authority warnings.<\/li><li>Context: CIESIN\/Columbia, NASA SEDAC HBASE. Center for International Earth Science Information Network (CIESIN), Columbia University, and NASA Socioeconomic Data and Applications Center (SEDAC): Global Human Built-up And Settlement Extent (HBASE) 2010; Seto, Guneralp and Hutyra 2012, Global Grid of Probabilities of Urban Expansion to 2030; Global Urban Heat Island (UHI) Data Set, 2013.<\/li><li>NASA GIBS: We acknowledge the use of imagery provided by services from NASA&#8217;s Global Imagery Browse Services (GIBS), part of NASA&#8217;s Earth Science Data and Information System (ESDIS).<\/li><li>River discharge forecast, 30 days with range (GloFAS via Open-Meteo): Contains modified Copernicus Emergency Management Service information 2026; not a flood warning.<\/li><li>Weather data by Open-Meteo.com (https:\/\/open-meteo.com\/), licensed under CC BY 4.0 (https:\/\/creativecommons.org\/licenses\/by\/4.0\/).<\/li><li>Optional layers (12 sources in the layer list: live, forecast, observed and context) print their provider credit on the map and here when switched on; forecasts are model output and derived indices are estimates.<\/li><\/ul><p class=\"nx-wm-credit\"><strong>Layers and dates<\/strong><\/p><ul class=\"nx-wm-credit-list\"><li>Population density, 2020: Population: CIESIN, Columbia University, Gridded Population of the World v4.11 (2018), NASA SEDAC, <a class=\"nx-link\" href=\"https:\/\/creativecommons.org\/licenses\/by\/4.0\/\" rel=\"noopener\">CC BY 4.0<\/a> \u00b7 <span data-wm-date=\"people\">static<\/span><\/li><li>Flood water, 3-day composite: VIIRS Global Flood Product, NASA LANCE \u00b7 <span data-wm-date=\"flood\">14 Oct 2026<\/span><\/li><li>Night-time lights, daily: VIIRS Black Marble (VNP46A2), NASA LAADS DAAC \u00b7 <span data-wm-date=\"ntl\">12 Oct 2026<\/span><\/li><li>Land surface temperature, day, 8-day composite: VIIRS NOAA-20 Level 3, 8-day, NASA LANCE \u00b7 <span data-wm-date=\"lstd\">14 Sep 2026<\/span><\/li><li>Active fires and thermal anomalies: VIIRS NOAA-20 375 m (FIRMS), NASA LANCE FIRMS \u00b7 <span data-wm-date=\"fires\">13 Oct 2026<\/span><\/li><li>Aerosol optical depth, daily: VIIRS NOAA-20 Deep Blue AOD, NASA LANCE \u00b7 <span data-wm-date=\"aod\">13 Oct 2026<\/span><\/li><\/ul><\/p><\/details><\/div><\/div><div class=\"nx-live-slot nx-live-slot--map\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/gra\/A01\/programmes\/global\/#map\" data-nxf-title=\"Insurance Nexus live map\" data-nxf-height=\"560\" hidden><\/div><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-pg-nx-gra-a01-pg-q\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"split\" 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\">Cross-border questions<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Global insurance questions and their reference instruments.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th>Question<\/th><th>Reference instrument or body<\/th><th>Status, October 2026<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Question\">How is natural catastrophe risk captured in group capital for internationally active groups?<\/td><td data-label=\"Reference instrument or body\">IAIS Insurance Capital Standard<\/td><td data-label=\"Status, October 2026\">Adopted December 2024; implementation self-assessment under way<\/td><\/tr><tr><td data-label=\"Question\">How do supervisors expect insurers to use climate scenarios?<\/td><td data-label=\"Reference instrument or body\">IAIS Application Paper on climate-related risks<\/td><td data-label=\"Status, October 2026\">Published April 2025<\/td><\/tr><tr><td data-label=\"Question\">How are protection gaps monitored at sector level?<\/td><td data-label=\"Reference instrument or body\">IAIS Global Insurance Market Report and Holistic Framework<\/td><td data-label=\"Status, October 2026\">Annual monitoring cycle<\/td><\/tr><tr><td data-label=\"Question\">How should physical-risk scenario variables be read after the NGFS caveat on Phase V damage estimates?<\/td><td data-label=\"Reference instrument or body\">NGFS scenarios and its December 2025 statement<\/td><td data-label=\"Status, October 2026\">Phase VI announced for 2026<\/td><\/tr><tr><td data-label=\"Question\">How are pre-arranged instruments for climate shocks organised internationally?<\/td><td data-label=\"Reference instrument or body\">Global Shield against Climate Risks<\/td><td data-label=\"Status, October 2026\">Operating through partner programmes<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-s-5-sec\" class=\"nx-section\" data-hue=\"climate\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Process<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">How the process runs.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-launch\" id=\"explore-nx-pe-programme-gates\" 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-programme-gates-t\">Global industry questions: Programme through eight gates<\/h3><p class=\"nx-launch-facts\"><span>11 steps<\/span><span class=\"nx-launch-sep\" aria-hidden=\"true\">\u00b7<\/span><span>4 stages<\/span><span class=\"nx-launch-sep\" aria-hidden=\"true\">\u00b7<\/span><span>8 gates<\/span><\/p><\/div><button type=\"button\" class=\"nx-launch-open\" aria-expanded=\"false\" aria-controls=\"explore-nx-pe-programme-gates-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-programme-gates-body\" role=\"region\" aria-labelledby=\"explore-nx-pe-programme-gates-t\" tabindex=\"-1\"><div class=\"nx-pe\" id=\"nx-pe-programme-gates\" data-nx-pe=\"nx-pe-programme-gates\" data-active=\"programme-gates\"><div class=\"nx-pe-shell\"><p class=\"nx-pe-eb\">Process<\/p><h2 class=\"nx-pe-title\">Global industry questions: Programme through eight gates<\/h2><p class=\"nx-pe-cap\">The Global Risks Forum (GRF) records eight yearly gates, each a programme decision; a gate not passed stops its work, and the competent authority decides outside.<\/p><ol class=\"nx-pe-steps\"><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">01 Q1 \u00b7 Planning<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">01<\/span><span class=\"nx-pe-st\">G0 \u00b7 Annual programme authorised<\/span><span class=\"nx-pe-k\">Gate \u00b7 The Global Risks Forum<\/span><span class=\"nx-pe-sm\">GRF authorises the annual mandate. It never sets a national agenda.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">03<\/span><span class=\"nx-pe-st\">Route the candidate mission to standards<\/span><span class=\"nx-pe-k\">Step \u00b7 <a class=\"nx-link nx-term\" href=\"https:\/\/nexustandards.com\/standards\/\" data-tc=\"Nexus Standards\" data-tk=\"Nexus Standards\" data-td=\"The foundation standards\">Nexus Standards<\/a><\/span><span class=\"nx-pe-sm\">Nexus Standards routes each candidate mission to the standards and profiles that apply.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">02 Q2 \u00b7 Readiness and build<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">04<\/span><span class=\"nx-pe-st\">G1 \u00b7 Missions admitted<\/span><span class=\"nx-pe-k\">Gate \u00b7 The Global Risks Forum<\/span><span class=\"nx-pe-sm\">GRF admits missions with reasons recorded. It cannot admit a mission without an accountable owner.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">05<\/span><span class=\"nx-pe-st\">G2 \u00b7 Data and resources qualified<\/span><span class=\"nx-pe-k\">Gate \u00b7 The Global Risks Forum<\/span><span class=\"nx-pe-sm\">Readiness preparation closes when data, people and resources are qualified.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">06<\/span><span class=\"nx-pe-st\">G3 \u00b7 Build accepted for exercise<\/span><span class=\"nx-pe-k\">Gate \u00b7 The Global Risks Forum<\/span><span class=\"nx-pe-sm\">GRF records whether the build is accepted for exercise. A gate not passed stops the work it governs.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">03 Q3 \u00b7 Action Week<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">07<\/span><span class=\"nx-pe-st\">G4 \u00b7 Controlled live operation authorised<\/span><span class=\"nx-pe-k\">Gate \u00b7 The Global Risks Forum<\/span><span class=\"nx-pe-sm\">GRF authorises controlled live operation for Action Week.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">08<\/span><span class=\"nx-pe-st\">G5 \u00b7 Evidence sealed and stand-down recorded<\/span><span class=\"nx-pe-k\">Gate \u00b7 The Global Risks Forum<\/span><span class=\"nx-pe-sm\">The evidence is sealed with its provenance and the stand-down is recorded.<\/span><\/li><\/ol><\/li><li class=\"nx-pe-lane\"><h3 class=\"nx-pe-lane-t\">04 Q4 \u00b7 Reporting and renewal<\/h3><ol><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">02<\/span><span class=\"nx-pe-st\">Competent authority decides and acts<\/span><span class=\"nx-pe-k\">Actor \u00b7 The competent authority<\/span><span class=\"nx-pe-sm\">The competent authority decides and acts under its own rules. The programme informs it and never decides for it.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">09<\/span><span class=\"nx-pe-st\">Scientific and editorial review<\/span><span class=\"nx-pe-k\">Step \u00b7 Reviewers and the publisher<\/span><span class=\"nx-pe-sm\">Qualified, conflict-managed reviewers and the publisher decide what is accepted. Institutions cannot decide a scientific conclusion.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">10<\/span><span class=\"nx-pe-st\">G6 \u00b7 Publication authorised<\/span><span class=\"nx-pe-k\">Gate \u00b7 The Global Risks Forum<\/span><span class=\"nx-pe-sm\">GRF authorises publication of results that have passed scientific and editorial review. It cannot publish personal data.<\/span><\/li><li class=\"nx-pe-step\"><span class=\"nx-pe-n\" translate=\"no\">11<\/span><span class=\"nx-pe-st\">G7 \u00b7 Renewal reviewed<\/span><span class=\"nx-pe-k\">Gate \u00b7 The Global Risks Forum<\/span><span class=\"nx-pe-sm\">GRF reviews renewal and sets the next cycle&#8217;s mandate.<\/span><\/li><\/ol><\/li><\/ol><p class=\"nx-pe-foot\"><span><a class=\"nx-link\" href=\"https:\/\/docs.therisk.global\/organization\/programme\/the-programme-year\" rel=\"noopener\">The programme year<\/a> \u00b7 The Global Risks Forum \u00b7 Decision rights<\/span><span>Designed programme process, not a record of operation. No cycle has run and every programme is at service level R0. A gate is a programme decision, never a public-authority approval, certification or deployment authorisation.<\/span><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-band=\"auto\" data-band-id=\"nx-band-1\" data-hue=\"health\" aria-label=\"Reading the record, Status, Sources, Questions\"><div class=\"nx-container\"><div class=\"nx-hm-band nx-band\" data-nx-tabs=\"true\" data-active=\"p1\"><div class=\"nx-tablist nx-hm-tabs\" role=\"tablist\" aria-label=\"Reading the record, Status, Sources, Questions\"><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-1\" aria-controls=\"nx-sec-pg-nx-gra-a01-pg-note\" aria-selected=\"true\" data-key=\"p1\">Reading the record<\/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><button class=\"nx-tab\" type=\"button\" role=\"tab\" id=\"nx-band-1-tab-4\" aria-controls=\"nx-s-9-sec\" aria-selected=\"false\" data-key=\"p4\">Questions<\/button><\/div><section id=\"nx-sec-pg-nx-gra-a01-pg-note\" 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-1\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Reading the record<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">Status lines are rechecked before every republication.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Standard-setting timelines move. Each status above is taken from the issuing body&#8217;s own publication and is rechecked against it before the page is republished; a changed status is logged at <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/trust\/corrections\/\">corrections and concerns<\/a>. Cross-sector systemic questions continue at <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/financial-stability\/\">Financial Stability<\/a>.<\/p><\/div><\/div><\/section><section id=\"nx-sec-status\" class=\"nx-section nx-band-panel\" data-hue=\"finance\" data-variant=\"stack\" aria-labelledby=\"nx-s-7\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Status<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">Work is shown as its record stands.<\/h2><p class=\"nx-lede\">Programmes are listed as exploring, forming, constituted, active, paused or archived. Country and regional entries appear when a programme record supports them.<\/p><\/div><div class=\"nx-section-body\"><p class=\"nx-p\"><a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/programmes\/\">All programmes in Insurance Nexus<\/a><\/p><\/div><\/div><\/section><section id=\"nx-sec-pg-sources\" class=\"nx-section nx-band-panel\" data-hue=\"climate\" data-variant=\"stack\" aria-labelledby=\"nx-s-8\" role=\"tabpanel\" data-band-tab=\"nx-band-1-tab-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-8\" 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.iais.org\/2025\/04\/iais-publishes-comprehensive-application-paper-on-the-supervision-of-climate-related-risks-in-the-insurance-sector\/\"><span>IAIS Application Paper on the supervision of climate-related risks in the insurance sector (April 2025)<\/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.iais.org\/activities-topics\/financial-stability\/gimar\/\"><span>IAIS Global Insurance Market Report (GIMAR)<\/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.ngfs.net\/ngfs-scenarios-portal\/\"><span>NGFS climate scenarios: long-term Phase V (November 2024; Phase VI announced for 2026) and short-term scenarios (May 2025)<\/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.ngfs.net\/en\/press-release\/statement-regarding-physical-risk-estimates-phase-v-ngfs-long-term-scenarios\"><span>NGFS statement on Phase V physical risk estimates after the retraction of the underlying damage-function paper (December 2025)<\/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><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-1-tab-4\"><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 do I propose work at this level?<\/summary><div class=\"nx-answer\">Write to <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/insurance-nexus\/write-to-us\/contact\/\">the contact form<\/a> or a regional desk. A proposal receives a reference.<\/div><\/details><\/div><\/div><\/div><\/section><\/div><\/div><\/section><section class=\"nx-section nx-deeper-band\" aria-labelledby=\"nx-deeper-skalliance-com-insurance-nexus-programmes-global-h\"><div class=\"nx-container\"><nav class=\"nx-deeper\" aria-labelledby=\"nx-deeper-skalliance-com-insurance-nexus-programmes-global-h\" data-nx-deeper=\"3\" data-nx-resources=\"1 1 1\"><h2 class=\"nx-deeper-h\" id=\"nx-deeper-skalliance-com-insurance-nexus-programmes-global-h\">Go deeper<\/h2><ul><li><a href=\"https:\/\/docs.therisk.global\/organization\/model\/sectors\/health#what-health-gives\" data-ext><span class=\"nx-deeper-k\">Documentation:<\/span> Health<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-global\"]');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:d46285a4f0d745b7 -->\n<!-- nx-shared:aa54fd32fe3f -->\n<!-- nx-path:\/programmes\/global\/ -->","protected":false},"excerpt":{"rendered":"<p>Some insurance questions only make sense across borders: reinsurance capacity is global, catastrophe models are shared, and the capital standard for internationally active groups was adopted at the IAIS. This page lists the global questions Insurance Nexus works on in\u2026<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":22,"menu_order":814,"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-36","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/pages\/36","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=36"}],"version-history":[{"count":3,"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/pages\/36\/revisions"}],"predecessor-version":[{"id":272,"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/pages\/36\/revisions\/272"}],"up":[{"embeddable":true,"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/pages\/22"}],"wp:attachment":[{"href":"https:\/\/globalriskalliance.com\/insurance-nexus\/wp-json\/wp\/v2\/media?parent=36"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}