{"id":17591,"date":"2026-10-13T22:04:57","date_gmt":"2026-10-14T02:04:57","guid":{"rendered":"https:\/\/globalriskforum.com\/capital\/?page_id=17591"},"modified":"2026-10-13T22:04:57","modified_gmt":"2026-10-14T02:04:57","slug":"resilience-finance-governance","status":"publish","type":"page","link":"https:\/\/globalriskforum.com\/capital\/topics\/resilience-finance-governance\/","title":{"rendered":"Resilience finance governance"},"content":{"rendered":"\n<!-- Nexus network page \u00b7 https:\/\/globalriskforum.com\/capital\/topics\/resilience-finance-governance\/ \u00b7 source authored \u00b7 generated by integrations\/wordpress\/network\/build.mjs, never edit this file --><script type=\"text\/x-nexus\" class=\"_iub_cs_skip\" id=\"nxe-fig-engine\" data-nx-run=\"fig\">tX1\/d9s2suhXcXH2XhMhSEuO620p0zq2k2x6aztZ22m7q+r5UCQkcUWRMglKVmXdz\/7ODEASlCjZ7Xkvf8QiAAKDwWB+AzSGeeyLMIkNugqHxiKMg2RhPz7Gz5\/CEV2lXORpvC4aHcwMURQe3Is0jEeGcF13noTBQevlBX7HeRR1CXEEtVM+izyfG0f\/fTRi5L+96axDtNLeWR\/LI1ErPsfCUb2QYOFTnkBxBc9PhmAeXc299CB2b\/PpgKeGoJ1waHwXZp\/COBTciGkBMvk9P26135M1tOeuV0LePXa8jkiXxdRiWyTXie9FXE2S8Nj6dk\/YahrG4TSffko9BOBDOApF5nA29Z6bytd07XvCHxsp1fv+FD7zwOB0Xc1ECEAtAOa5N54Y294gU1Pxzt02\/7Hs4CdDHLX5jwyL261uy2lTk1ySddH0dKPpqWz6d9Xypmp5stHyPWtRk0zKBq2W3oC1aFlRK2+X5bXiY1nsum7ZnLTIWmvxXlvKX+RShkNDLGc8GR7Ai6SoJmXPniHKfkkYC9IEItT5yXTm+Vo9orisTmdaDSDjfVd24Kg1x1VIkzwODEHxPR2wGImtPrhH17Whyrn9CpUsZlyucOoa3IrpkeFZ4uWlTTtQmLvlVgwqYjGNwBL0Xbru5HYYz5vaCGgT0yNsE7g9wbx+J7dTtxczDr+ES6IwJh3VPq\/g+s8mXDjnKBkZgrK8evIoCwqYcystYc4qeCId5vJF\/DH1no2ItbnVPqbUSum7YN3J6rOp3sY3+PPMSE0jggEDCq2LeWXlvDKcVzIq55VV8+KicWIASJsJO+LxSIxhhkZsefQoZYHLK2ZgHzu8YXpQErrCDuOAP38ZGhEtRvbM\/F1o5u+Co2OAdbBw83dG2wpoJ7MzwWdu3snsCV9mrmgA9jcJqxyAu54lkH8Z\/LxVcq6e6K\/lRPiRNpX45eX7cqFmycJotxj+HkZJklbLkFL51vVtu0VhLdOjXM3QCM7d77vtlhOcu8fd7+FPu3vstOm7HMAIztr293SVuTmOH7m9PgvleD4PI0McZVabWz\/Sd1lnmKQGNPLdsOOfuZ6ZvWtz67Tjm25GV5E9y7Oxvqv8o4y+y8xWuWuiCikeskPEg9DwcNBeSxb5m9Figp1IMoxdr+epVbXa\/QLH8Znoxqbh9dp9y+u1+tTRJNlck2T6Tn\/XbtGjdqtq+FxfHnJGTFFONT0I4wPJtb4M\/sN9Yc\/SRCTAKOyxl31ZxF\/TZMZTsbR9L4oMj6VU9pS7Xi\/tA4rz7wrKw37gEWRo+TD0oozTFTddckDM1Dx0yaE5M3JqHpLDNfwr5luRMDfJ0TlxuEnOiRmb5Oz3I2IKeKom9q\/NPbIifuRlGXFI\/GwNJ1Y2HxE2D\/niMnl2SOugdYB9HBDTY4swEGNHsDEPR2PheCxNIu6QcDoibJj4eeYN4BlhJ2yW8oync36Rzbgv7jwRJg55vgmDf92EwcGUc0HWJU5zwCl\/eVmt345XznKgkV7ed3kv75coeTYIziJlscaO\/6ZrDYSUI3O31eFnBX\/ocNOkq9h0Dd4l18QhN4Sac0P0eB+IySSMFI\/tfknDXjc2yb+JTmqBJtq10WK31Ymr0WIYDQg+pivPdMmN7D2uDxbLwXiUcWx13dzKamM7c1e97KWEuYL1j4IoWMpyCXTgEsIyFiHgmdvqZGdxAXQGQEfu3PCMuJf1KeoroAWSAaGrwHSfDZA9nLAVCTzhWVPikFEaBoQ9t52IPR87EVu2ndQWbHnspPZgTTvyNcGfRe01EfoTwp7hBWhotk8YNrK82B8nKXHINAyCiJM1mxm\/IDyMU6qQ9RosqY3QpHYK8EQATfQ6LDjViHRTO7JO4WXzlC2dyHxvf78BXNGS8DggDsmEl4otSNdvwJ73HGYNEKf2oMQgdJNLVare2dY8Im\/AI5gI9oJofd\/aRCtADJDmdVzu7kzDStmxsNqtXSiRyKgPpO3g0cb8eUbWLND2cy40Zi5sgXQu7KDX6pc\/2\/2C+u1U3wt2iluh7Osf1V4tDJyXF0Konc2iUBiEEamTqx1w9n2l9+RRpKA2QNzg7JIR6f7H+ZUayjgBYURZ+XCsP7zXH076VINqobEQYS9eXr4\/bbHYFfb45eX4tMW4K+zpy0uv\/QNrn7L3J+zkpN9RXD1yeO99n6WOZ\/Feu8+Ew3utPhs4scV7x\/210j4NYT\/bog40FAEWmfzR7jMgutROpdwN4KXl9kvL4qVl8dKApbYodEZCWMTCjlQVcNTQn2QvL781jHdKWeLiIFWbze6VFjB0hT3w4iB7een1kVlFbqsTnQ0LZhUBs4KWA3fYi\/ps4gaVglp2O7CXoCMty8owNsqhBvayTeVwC3dgP7cqkQvEnhtQRtkT1LX1ulTWtZF4JudLuspwE6Xcr28imAFh8nmini1iDuyJKvSJM7B99TCcWBO+hJIJX7JnZ24sKFs6c2NJlYieV1NssSdrQWkhs+fGxFpSyS0GNm5e5BkTa3nefl8AuLXLASC10zUoIwUjgmD+oIAw2+8pbOiie7peo\/720RX2vGmtPm6t1cjNjY+9qI94HZcPbdrZgcD5JgbnA4uY+JaGQnz2EdwRlQyqCWFja6QjLLUHFhDyGpcR+1B4ex1ZOJR5qgYz28eAGK0Lul5npvuHQQaE5czHLTBkKf6VLcw\/DBIRFrAEaV9WLlUl0uTUFXbG05AjXtm1W0PudAu5F+4UNsJ90S50W53w7MKeiaxoGxZtL10s74WgSrCr6qmNWuzluVvsXqSiyzO32MR0dS91\/15uXFLWtOm2d9oVpRRUFKDO+4LZHtOVn8QijHMO5Re2l3KlyN2693YWhT43aOdWDXffu6+sAhgmtQd9vbqllcoVnHliXBc3Kfd0avIsYl7olHRh+yxw\/mbcMpHmHPbTjp6kJK96ipp6kg+Bl43hGf52CfRLHBAvqnoBdYuXF62oYAQXyAgC5wINz24gjHvq\/M24B5IFND2+ttSPEjnaWpvEAUDL1abra9lmZlxI4nt5ubAn1CQvxDQubP\/lhYTxhJQFCAkBuyKqCocVdyQA9lDWPNr\/ScLYIB1CKbKKG5BsXjrh6SavuNki56\/u3MiNG2QQtFjRuvYgu9KXYWoR82aDO+AzzMPzfcJE6sXZMEmnDsGfkSe4QcyvJmEtStas0tKe204LdLKW0mmtk1InMyVciK9uE6uYlnzi63lqp9bfW13r1DlV7OJ4Q3cq22zpkzcaS3FIgcY70BVmSRiLTTTebaHxAdF4p9DIvrhzI5CPyxKrfpj6UV0xDRKh43VmEfNuA693NbzWKVe25UvmPzsPzF86X1gqC9OXlxPJce80jguQfnMfEA\/tdquzgwODeZjkdciiCrRn51v3wfrBeTB\/YEvnyxmy5tPuF7P9g\/PF+mED69+20X1X4+Cgctt+mmRZZbg3kSE2IWwcBgGPHSL\/7iWlkpB2Cr5xKKQmH23IM8BQakeNcmzTUH6LD8BDH0Cs+veKbmPdB0C8NPQsSdKOsEUoIq4Y1rZ7QHgDdKo5Cneuwl0X2juk9SYHQkVO\/hjNCWHH3pS\/vNQY73BiPWfEyYWR06poKYsCreh5SBzl70VJDDpuhgYB6WLBVq3yCHcLswHKqVPn0VI4E+dasbn\/JXTNMk3Rv6gp+kka8lh857pkTlDdT5OFFO1cmgEnxy2l5mPd55eX42OWu8IeebOKwf7gYIHS2dFoMLyuIexpV9hTYPHw57jvHP9AzcK2f2ekZk6d4+NWobejiWF43d4p+\/6UHR+z9nGr7\/Tap6zdYu9b7KTVl00jMDoyaXRwK5NGRyaNjsDKSqMjrPyrn1Bp+GRnfJTJ+f\/TbZWuklCAtBJnsr6UVwI41j9NVxb3QtG35wVB\/7P48cmer0tbYxpqTrKWgwVoYEy9ZzZkA2AyiVv54xIFxBD+Vm6PIQycVE7lhIVG3BuCyZa4njASyXQn4O4BY1HOaOn+avgsYZEdsQhsKOQWYM9XzGJSqIBLJiqbB946oUzYQxYx+co1spz1LuCkhQIwsSc3soU5lOvJPrrLSv\/yGZg6IwBz1Mw+01IqRXZk\/YBq\/ZOZHh2bJ3SXn2BR8EOY4EJb0rHC5sBtdQZni9piDgqop66s6A1AgV0aY8ou4I85tedUgdlgNdVkOmj8C3tiEouYU10ATbcsp2lpOV1Lo+Wp0XK6sK4tYwNmq91tOy1aGQjpmnbGpju152vpKIH53JcID2NjYc9Zi561ugt77mwsw2UV91tCQ2p9\/JPzrea5QCmbnUizoxz+nn2k+2Z5WZuLlGZzL8o5UptGpjuoZb5lGM4VZADG0giNBaXSBqrISJLM\/IE\/V6Hk7i\/YFiieOqqS0vVor+RryW6t\/Oi4mB0vp2Pma9qZNIjiNFlsqiILpImyTIQzKBPhrKZyw\/RSOb01G1Ftya8KJbtpZ15J5Rm2pj2RfOLW5cK4KvgCE\/bMC\/RwFPDvmRdQ9lhykAGLbLGHg0SEPb6Ng0xecTNG0s0YSTfj3Hg00D1yXPxc084+JnQjmdBX99a4sSeU3SmeeKPxhYcaX7hp5gtf3JuSL3xzH40H84s9p+wD\/KSduzfvkxvFF77o++XLFl\/4UvKFr5Jcy030jX2g1e65tQcLTbPSNlO5mz9Y3ygwj5tG5rGmnQfT\/VLjGZ\/dx6qnG+QZlP1cFoZxUfjn5q0ZODX+oGb4+S2z+tn6DDCv7\/Y7xufGVxM6ga24dKLX3PU3usio8Ry6uvszvOZG8Rp9dCBUbQahcUMptb6ne+Fp4Ec3ih\/dlPzobi8\/mhtfLeMWzV8LEVogQ2h4hloN05E9sCLpYWpiVn4SbTKrG41ZARZ8iYU1u6uc6P8yOAvYhK32qOU71eeBl2ZkremoNzUdFVRS1E39JMpQL40WLy\/tdouBUiqSGXioUSf1Fy8vpycMNFB\/\/PLyvsUy91gpjKjNck35zM2MstBNTa8sCsyMmgYO9ACAd08cpZv64FNO2HAnJ\/Jfo1YOChKMaeZylVLrxz30gdy7sPpgUFAUk7MC1k5SuZpTM5Ggd\/zXVCyuFKyBGexVsLxeUo6+l\/lOANU8ioyEDSlEVNnSLWfKFu4EaEeuv4KuTm5jeHlLOm5IxkmjZBxbxEQ4JbeV4q5gQDlEf+yMR67rFo2copHu8EKLeGt\/6VD5AAAys7ZcyaXc8oOCmeXF5gpY+uwcgydmYova5ibEaeQwXjkK+LOciR3GEzVRHKmgld0rppGMHJSWYT7YOEjGO6mzpAtQbKS\/WHuLVps7YiHz\/9rmHnNP1Db3fW1zA3eSuxtiTscy0AQxpxO5vSHmBIYgGH9lzCkH8y+V5l9spdL8S6X5x620NP8CFzhAC4JBdUe1t+WS8l2vF6Gf2bcnYRxgWNPLOEQ2Xd+ed0Ll022xQIXHD2qNRSK8iNDVdjvsP3EDU2sdJIuYdK1Sgvv2nDq1J1qOWIrkgCWUlXIGnvq0E7jJOqsMxYyFvUg6UTMwFLN3bbv1QxG\/2oOEoRzNQ6+V1BoHoDUOWW5HLLdTZr8\/pWzi\/mq0WMZye8ByW0AYSyqDE\/YbVigdMK\/pgHtRv3AHxbDsyZ0YxQTYx+KhMPtHuEiwGdULCpv5jHRJzEfEqRVLJJNZAt6mMJ4cE9pZvkmdWSBvqbsWR3r0S7NuBjs0mTb7aD1RFcmp5m21C1O1AdaPzhOa83qNosKx+7TerCpoDuqWzVq2n8RxbWZ+NbXnNsbS5ASej9WD1BdQEx8rNXwM+pg0nbfxbjZj\/ff8+Lh9TBxCFM7foF8t5hpwJWwFC3yyTvexv6n5i1HuoAY0dQMJ51wqWbSghWGS8nAUyywg8IvCwJYhEWENKrUqtwfmqbbsNcXq\/cmaHZ4F4fzgeRrFmUvGQsyco6PFYmEv3ttJOjpq\/\/jjj0fPYzGNyAH6QF3lAl1IRJxD0pVXeXsxqSoI5+dE48SQOLP8a5x44QmeDr0oqrHj283A\/8lxGfh\/39IC\/6cY+D\/9C4H\/X\/eE+VmA1bsC+kwG8ztFauRT7m2FdMMGZp4j48CQblI+tCkbuoF8WLYpG5QPrZ0+bxhQ0wTCKqrrS6ocVpwgsXyNEQysodr84Z8O4+Ib3jNmEZNuYp06fuHUkFVLmXbTHVh\/d4YQBN\/YGPUOtmIK4a6o8CvJEt\/TfVHjV7MomqLKqKkEoTcqcLPFwqCSSGaVlzBRxaKCciCqeFiuZ1UouAsYaOFYCPY3WkudW9KX0EOYka75QsQy6u8OWM1qUaHMIuZElyiT0kau678TzeBKYnhO4lqQ1n\/GeU4weuYvcT4TiJ2x1JmoaFbFMiDbLvtrLCPzPSF4WmMYT0JPbjQ8zKMExvHjKePlM6YNsdT9KR7CIYkly12r\/B3g7g3cVieo0hMDwGyRRx3GRspEL+jTTl4pN7kswuwz13VTusrd1JQZuxkqJg1Z2FabsmMWWyeURe6vRspyxq337D2tlMImSArtK4OgTWTgwH0pBf1yln6eVkp+NaDjQU1H6n1hmTWQlF3qsPG+XtOSBa8FzWZeOtkKm8UYNuMqNKZCfo4knLfmzMZJzGWYcCu9INvMVMg8gokJSZGYYDa+tpmWkEXytVC90bBxso1QbxYQSfSZ4RckD2uy6QyT+7nALfMhwwM2xbF9staz3TJRz7k24pKK2y0wPJo6bjNBX12ZEDXJjYXhJjk4Jf+P1mVLRInUk04GsOJam37pUzBK2xLTr6m94UATdV7pv9P7nRv8XUo3O9dQe13TJwIeCU\/h7PAsm3lxXfWZzEJrTg4kBC6ZFL9F7Er8oFKk\/HVSI4JOzgm4afI4FN1dvebFq9BKfxNSFkzD2\/lioEAIwlTmwXt2EKYvL2QYeYJATrysHyVJAA0Mz8afRUhZLaNTFsM8CvZNYg+7kLqeNNi3YAOr2BO8EcJZGEUKAGwkQVRvYM9n4YFGZwUaz34\/Cs+1puBfxLTTjdGrhXysLaSfRPk0lpZ6lqRCSQ44riDG3AvOz0R6DmnwOXLU1G110srWSwupGeChBJa5AfZSIY04hxJsLAa0xt1Y5rgGIA67ca\/dP291iZf5PA4gSu6QgGsPuEPUHzy5oBx\/gUqJmRnqF3WaEJulclECO4PFvuORJ8I5P8jCP3gNSx1uuodnYnyQ+cmMu+gxlQviJ5FcDoQYYTCNwI7zafdQtojzqVqQQ1zqDI9PGBvIiJzDs0EuBBzaW8IQ8kGNArAqHGkjnR+aEQIp254rkMX4nKzhYAf8Ts+xRK7WIAmW50RbLOlo3VqxUHlg4SwJdiRSYhohrsnhgaa3SIDCAqCDIufCJS1yAIkbLkbC1CrziPuCB67aLYfQZRJ3FRH4eZryWOi4klsjtIflqMWAQ8R0UY+dFE7AGrIBtqJuUkJbvUwUOnK31ckr2s11F1HeZyDRwT+Y9XyYa58N3USdqOmqjA0I8JNEGpTdxFkJJ1nD\/4RIk2jgGkM7W3QPz8INIlwUpCThg1aIzJ07Ws5saKdePCmP+TRyDmghSVy23uY7vj3w0m4mjCH80NMYsIANbZ86QxtY0J\/gTfKFt7CmoV1nhlhSc6JCC5xuNvXgEPAZ\/j0nElXwW3Ugi2FaimgDAvPbsxXV7FUtzL9WO7SzuYZfNct5uUxzjQiHtt\/Q2K9a+3pz4AADuVmD2matfqu9WohRAepCHfVYVDEIfCxEA+jyihkJxQvVNsOHopky5nSwuAQLOtPPdV1pkuHwLIjqoATgydh7BknqXHBIqAMnjMBrcn4WCFxGLo9OgOdDnJ8FsGzgStBYTZIr3gflGtbBFVEuTEV+UFyfFZS1i0GC88LJUp5VkhWRPuM7ZfPsVmR2yOW3kL2nE3015mUdy+G8PiAePk55wVoVAWwvqycX1iQH3sgL40zAGTt7UC33OfZdMehzOTucylgBq6qlEgAChKeFegVPUpE4LCbR1EElID2yuQEbez8La5wQJuLvZ4X6dN8MzeAvQjN4EzSDt0PzCgCyvyAcDq9lQjT5EA6HPOWxX1NPCmre2oC6cNd3oRTuciseNpNCWaADIzdq07y2Z8LLvTFxie8dmnGpRdcVfbkx\/0qng32dHv+pTg+Bl5yUvCQo+MhJAx9532\/A\/QYnwaJyW39pdJ+gN0Zzn4hkNIo4S93Ds3yDv0Z8BO68c1SRD8+isKnaEnLusQQvCpUwLI\/Aoo4jtnScwBWg42Tu4StMq9ClQXn1kxxzSEt518AfsQ2pM3EsczbV2FnR46aCovT5w9pODOQ+REU7G3sz3lV\/Iac1eyKlRICy4hV8KBYTu05BDgGWTAPsrkbtu24p8iUBlbuSS3LJFLFUZuJ8Q1GXWAUbP+PSfgzsJN6yHiW+FUqymmbfaL4U8BiBPZz83Kybq6o6FWcalitiKUg4xZIchCEeqxLuCiWN8yhYEDlXgoHgc+4EU\/LIuRRMkqDzRTCe+c6MDeEyEucnpu7LcIRgw6lwfmFRGDu\/sigZZc5\/GLjAHS4YepCd31gc+vzGe3Y8wXjkPLNsPnL+xcC95PyNQezlK\/wMBIMwo\/MHdMadhWCQTeJcwMFxTzg3gpVhD+deMOXQdG4FQx+a8yQYuGycTLDJLLxMgqVzjc0i\/ilNps4\/pMb+b7dHngkjS8IIOkIII9IHQhjxocaHKvCmPLfhv2NoDL+W8AtCCOUhDyLjJ0PhHlnd34N3v9vd3wPT6Dq8Z5l9+E27R6OwU7IMX2wfGaX2FK99GYrqkoiuZ0+9mToISp1ev+I6X\/UDrG2rus7Bqt+R8lDjTq3Oxk081X05Q8HK1OryfL\/Xi02zCNEbvDjRahPaa\/flIdfyvh1uvzsKGRQVFmdtKO3GhPTd1u0T4I7L2XtK1bUTzXW61\/rzWyeGa9L7PWB9uTDvjkY7Z8p2zVJNSXLUn8DnXK4SL6\/3gJO+Z61uUA3N4A4iQp1AhzzZs\/oNwG6RQwl8XBKAOgMcb41M13WyGZd+Urg3oKQgdb0ROk1Z6q7WLIf\/ApaVyVYjLu6SRNwmAe\/Wngx1YiF0o25kw2VGc\/4x4lMeCxXcQFMa42byhLkNJ\/JAdTVCSle+G0J3F0Kk4SCHc1LKfUlfXhprFHOk8mBogkFEni7v0QORpBdRZJCe7KOvJKSMByS1eIBMoEh6QX\/H8GzgrtbaFQb\/rl1hIENG26\/\/Gy41wCO75a0cgx4U9t3Jep32hn1XnhmAN8detjmwiAmlqxzaYRPwKF4lseCxWK\/hKpmYp58fbq5dD3NbinMCG0gwDnuVW8Q3D0n\/kL687GhUiRTVEnpe4lotbXRn0xVcdaUejNUs5XMei3s\/TaLIAcFW3lr1QFdreQST2ykPcp\/XaGzhcjvQYywnxy0Hi\/AGm0Wt8RNcHfPx7ev7cWt9R+7HXtBnY3e0a42nbtobY5rQlK72rfW1C4vILja7uqbs3p32rrGPC\/0mlvv6LS3weFEcjPXhlCW7gr8XiO5LNaDrulfFbUMrrZyunmRIacUjZ8Q84VyzC+eSXTpXTMwi52JNOyM7q0HG7ile9oLhtd64r8Ejc8hHOnWxRzcR2I6yG\/h5i4A9VoDd6IA96g+q99sNKKF3JA924TyyS+cGQb1FULWRXXgdAS2ysLjNY8FT7fRAfWpy\/bANCmLQrHCa3z2VYGmE9BWSHUvTH2gUmn6lq6\/uw1plildBIePB+kqPFpR9c78K40ulY39wW50PZ8UInQ8FaXx2n3of+uznIvoIZZ\/cVufT2Wf7omj9CVr\/LLHz2b7ofeqbxmf7svepb8lH+u4bBkI\/yyDC6rPNoxqWvsA9S59tQOFnYeAP9rPKSMPGNRR9tj3BtFceqlckqr6c4d1rTznPxEUcTiEsFX9KvSk3ZB7wjpoSkd82Ym6w5oLx6YAHcLsPbn4nZug9cVZrlvFICoRxUkgGOLoHVX42lyWzeCR\/ZPPRl1w1G0MuBU+h5bo8u1bnZMRWbrNwBh5CUMBLMRkyn64MuAVIdtML+27tCdJPqFwZn6473ObTUGy8L0XN1mvlest82qSWTws8M+kN+9Cr5I4D4I5QDJZ\/NoOyj8BJjZgvDq7yTCRT+UziZ2c4sYgZslXAhRdGjs8G+WAQ8UzuKNC9k4wHiv3WRuhw+0mDX7vopI61EGf75L2hLXBd2TzjddywhK64jEEBZv3yZo2t9ytxA32QQzNU4qZAojzNMawd5Bj2Bv2Nza8bXIQpFQrbNTD5OaHUdQtFy6dl4E7aZcWxu\/3gRmHA0yaIl26rszybFBAvkSUIY9Jb9plPlcjb2\/dizOP\/o7p2an0\/ua3O09mi6PsJ+l70nvq2suDxd7N+BJ0S+p3rhpgl7SNrxHUC0jaIP\/biEUTowZXshAyjsY6\/pkg7I75J\/aWqWy5zKcB9pyqFl8ERsEkeb6AI5QR+M0XojNFHfaqRVCr\/LWGJ0hjfvtiaDQHj\/e2IoVu0UJGKUlvwTKAuu48sgCaaCBlxL\/PHfJDXHVCcYgBhBxplSCqsHy\/epdhB4oKGWCdEPWtYiscxJAT7bFWy6yBPHSORTqsgTxkK2bIEn9a0Exm0MxLGkBYpgWAtyOTsDrdx0DoF5cgb5OSGKc\/Gjfw17DbNrhf2ndBRt7rBpYhGTvcyXkk5eQ+YL1za8zp6oGW1sN8N6reGfDfRnuX6aubsxPYjOHT9K7gR5PtLrX2xnMaEDYwlm1Bc5k51de4dh5D0lwHmiKR0BbKgXmZoV+4WIVxtTDwcVyTKhlZA4dYTtb6Biyue0ZXvxT6PNuR5BlnlzaJeG1Ouqlo4A2XyCuikpagDWekazHNqJxLm2mWmkQb3Ll1eGiF9QpmPa+u7rY5fpYL6xbombtjz+\/vsQojfFja8Q2iv1VcxWpBdURdiufjLDsIpskf5FAZyHh3JI7g9ToRqPE6E1hieao2XUkvtoOKaqTuRhvowUuEc0NUSk0ekSj6gK5xKA8dK4kqtRf0OG6Z8msx5Q1vUGye7uxtj8tUb+4PG2OFyd4dBOH17h9AYO2xYOPDSE4pZrcmCNA5YSy8gbLAlwNcV3kUTsKhvRIQ1L7qCX+wAXr0MZ3VtbzaLljdeOsncCBUhgGkHl5a0Vg7pum5YXPNQjqyrJZKcFFFhC9cvrsbGOy2G8s8qCKdOyMLAKV9dIzcuRLuEirCqoQ5KGCj1OslTnzvJywvJQ8gG7QBdz3cKnTosjUCoPAi5b3bsGYJrbQy7w7JuqMo7ckcotoVvuMPazBA+fWLQzb4JiXC2NR3Yh+XN2oValBYqFVBWRzMch+rocSLjOXQ1hLBCJtIkHmHAqKiQPndVvsY3IAynXoDY84ZKk9TidwPNoyTjd4N+Z6hC6cQ0JlrEXMVJJrVgOVHxdtVyX6wH28P79bg8TmfSGEcfyqwFjKDj1OJEFLiYKTRgEb45g2CD5qcadkr06iyzJsHYwk3tZDjMuHp+Kp8\/o1O+I++AC832ibk4X1qn3dBaWO0TB0rYyPXN9gks1Mh8Oi96lm9ap3Q1cn3ryWofr1M7E8uI26Xr3q3dz6QJ9TJf9BQuQDDJ7Jntqh\/JekoUzV00247oNL2El8N4dIUQ3nFfIIGLEFKXJNi\/WaDMDAUrCv5lJXAolvkFUX9K0j83AhtKH+ue0Yc4phraHNoYEzk6ZkMYWgJgDm0ZITk6VrCMw4A\/6JsM91e6saFQpa14p1F5zrW7lUXTtfwbwqJSl6cheEkZf0NL75mo6xdTl5\/H3eZE4PKyTYo3lsO95ZQ6LYgHpO\/gUvvyCv5japL\/Ih2xU5WP4XYIxRc9SssrdPYoPmKcTweg+mT72w3DKOprQV95nCGoHWUI4CRIDTYsEd7o1pty\/ErBgqdXXsYNlLsqWbsLQS8HQmK5PCoh9TW48a1+2xt4PjbmDrGxXBlXv4rCQPmVe5MbvFOoupK\/C7qtqkC+XbnlRrXs1G0kYJSyV8uH0lEhsyK8hoQIrxf3Wepy24+SDAw15SsicA0636FIyuybYvHSbmo\/Pg4n90kqXVJ4zzkSe9DL+3SVCjgu38vxckD8i5cly2MMxdvqj7KWyTCMQHcmZt7HPsuOs7rfOCt9yjGMkqFPt0RbuuGEE7a4TIKQw91JaIrU\/e+pe5Gm3lK7GxvPMqgrsaXMwpP3DQsw7hVZNkCqgWu1WaaFR\/Kayxydwlmjng75tUB6HpzExUaQpfETBNE6+Nik\/yWpICzeky+s9Lj9HahkYlQZg7PyGxMgF5JUVCZPxMIiRTRSuaGBnigaqIiv63f9pilmc8xvZQM36SZ7GihbQzGfIRy+Vb8HxZWxYXbr3RoTWmiPQ2pH+J2RKxmfN1T5gFJHtl3SrtV2Jtay4LOLd7G6ckWuVFpbKeTNPA6uxmEUGCmErzT6imuMWaeurv6AlOPgLWPVHVwyDTneykDO8Vp6I+6lzXYcRP5QqTkgagPi9zPgoGMXBIqTVyHX4nI5eg4MAHpUkue7QG1SbrrtYiuKBiaggpt7mIC0nyVDzF51YiEmMJOk5slqsmfR2tE9WYWFQPUtPqhxxtEOAwdviUPEsRgCEbD3veqm6eIDNoVh\/L8a75TrxBvWiQNC1RsvuOl7\/eIrEHnvpF+757qzJZm2D9mFbobyqbTOMSxchZiO6SpQR6fURghBT2XlQxsPba1jFWbCnCUnB7brOzkc+oNEEifvHeNl2hlhQyfvvccH0pVcVW0T1SXUUtqFP45exGYiw7h9icFyQT5t7ImZyBDd8Ubs6eDWu8Uj3mduLC+OrdYDntv9dfUdgXaHV1uFKxaKb8qPB8jIOR5RLr9rc6Yqu3GPy\/v7nVh+XEAxe8OzVFWrT48M1bwqw8+ylCCpPkxDdWKVRfA5mRIRvVi7IretJRfMtr6h8g84S9NIsM8ZKHD5nhZLaNGp22uKGzS786auuiRTefECoKUtq16d1qKdYENMVOk8rGYUzI0UPgglr26lipHsAlqet5RMBYHpZX111nkg4KM4PsS0k53vPw9JcbVD0A0apLBS1yCr43UnOciHGJM0FB4kj4e6SsmbuK3OpGJMk2KrLt1Pwgh7kz6LNz6PtaSae9NX2xVayhRC9ouxZPg4pPKv36eVxpQXl0QEiZ9Dlojtp9wTRc7I7b3RcNT+uNVqHeH5vBIDncXGAmLWVqupYlkq5NVpYjh9unGTdC6PDS8p\/tvqBkLN7+3jhgHUCTs1WSAtXaQuijvMnyBDxoiZT50Vug2cX4yYJd0aP0oo7SZO+eAoTZChWPHRb8zB0QVGGx7Ox4P6T3QtitiOvCh2haToZOzZifXso59qzOuNWymmq3hjzmofsXJDrUVhDxq00wzMa7vmWd7go0H7P4V2C0FTlaR0AEnv4MxOhgeXUTLoxg6YFfDTAF1\/BXqt460Lq6+ZzgzioQXw7e5aVcgAw7e7a4NT8FmkfOjmndSG+y+ixAvgU0x2Con4cZLMeMxT0ikcChDNjbylKxXMTjkkHPSo61fQtR+F\/sSgnYyLh3DKk1zo3naAKOXzZKJBlOMypNqOBiN7x\/5O6XrNTlqtkrWjFS7jw9VHwKTTvkL1tP5JjFqmWaVIbKegyVVR+yvWPu0Xa5\/2iwtYjnqE\/R73VcyM0y6k+vL6V\/sOCTmUri2+puraW0Zo+fv3GJTD32MtCXui6Ui9vvwaDfwAU0Z85l7QVX+ld60lbY6s4KLSesxr1mMqGVvei2s6mi3ScGpQuvZkfVpZ+K\/oxtpIwZadmhXJI\/KLQgGMiiDWVAJ1ALKs7OFXzRCOqNHUAjvj5SXaN4GMNnzUJ6qfFY2SmGOuH54LxzOj26LpHQGPjNdco\/Yimr1wRQz4Sie8\/GEVObjqEa6x98BSJYwkM88PBfyCd63qUbXV6pNYWENvGkblE572VL8XRX5vxCFnGA7d+2A6MjLzwlhYSQqHIfobOfVxQ079iAswv3LBg3vY\/0YMbgC822RDBU5rKnBmumkvkvfjB7BgxTepfgHPkQF11CQddLMGJVNxFVvB94kqdaCoQ9bw8aoN1owsiYCnoAi6qePrNlw99IsHKZlbM2gwjV5eBN0Gklh4PMqbwbcMwQDoeJv+ILgwByTDbjFOt15SBKD4SCgdkO+O6XbLIk27bCoLsK26meuvaRZ4mh7ubmiEjLRbrf9qqC6zxnfUq9VA4nXw0KLcgHCBzzgUnOAUwzjjqbjkcHmRkTDPHoZpJpCfVxo6Xxz8dnN9z9PQi8I\/eGpQ\/HYHPjwkpc9R+xLdlkYOffw09Ua8k9qJFGsbweV8p8D0vXjuZYR2crk6rtfJFfLduJPbSFMxsBqDHAeE2kHqLXAwI2Ut1kJJDl+XTFBW6x+m5EYA4WMEiqep7uCGSvR\/QW2W+i6yNieEfmHhzOdp1AENApKKcjGEK\/hNHvtJwL\/d\/QREnsQAvh6Q\/lA\/syMge65RNUEKH4ajPOW179D+H8\/6o2X9aPWPRiEjlvrCE\/pTgeWWzjg\/m3fxf5UlXbjkiiw2Hm0msu3wc3I37U6Ekcpu1lIL\/B8jNgn0TuRtQUf4cwpytWDq5cdLZ+Ajk0bkLB6BBjkDb5L2tUq41azoc4ZsUeIYf0d0vaZ6aCxvhF6l4aFCdyA3eqXyB26+yYk6z8KI8Gb9oNjxLCg3NPtz4G1OGcdfFZ6ftwKbFYNIplCjM8IiYWS05p5Z6in1Al28mhoFj8r3UuZLdmSxy9UPcCtDqvmu6HXKvWBZxtubMyC38uv6vfq5JHxZd0hJ6ZY2SDf4KOKOVLpOkey1q40cnNC+W7NqAkq7gVM+lO64PcEOmYfVf8WpVMCDbqUd8GBHAJIav6FtPXxDK8m5L2qD58N0AP9SzorsRkNtAumpxU9Iu9Jqers6miPKtytruZIY8EFCUNHteghmION3Q7ryI+6lP0Fuz9yLjCHtyKZrmVO\/l\/Q8X7gEFJQascE9\/uOzUYGZMWBm1Bvvz+wsMjw6u1oW9w1+heHoukgUwNHZKonLxKTKTjBGxW2Nox3rMUxSPBewO2msyhAcazljUz2rYEhXA6PGL68L6pu+FtW8eENLjGqy+10tVdojn4H8kl+QUy0x4GWM2TWl53AcAfN58Xk92r8YivuM9i6El2eSlDdXAnOWMdt0vC5cCsXYF7SjIWvoZlxUtFdXTi7d7XmY9\/JrYhc1nBedX1L1rTFZvV4XvuTG9Z+iD\/20BbfUw65LZkBb7qAjbC8IMDf7OswEGP8GQTOeVEJKIy3hpSMu2BQpY1yo1iWFTN1xpW7XuLaUQVM5FUk30128WH2PbR8blvnaxgWrceNrSrvXTvWAR1eqmEoRmaTyO+zykxRb26FBUYEtcaFuR\/u7lih7j7HLeyCy9V4MVCxVIkEu+XQvT\/uu4GnsaicuSh473Uvjl5u5ZSXnvap48lWdJ1\/1e9OdDPmy05xxfaUyrqtOmAQxcHZ1VmlfO4gnSUUdcbfutGonxgQ+BqGXyOgWu3Fvd0Zp2Vf38Q0RcvhUWKHI9L722YN7172Tdz3ddK07iEs0jhHnU00mQdSy\/eaGndqQbu+GPfQ7qTAe2Q17eAVXnr+Bqi87KcdDkxCOy6ASjYJmNTGm5QhF1ZTHOSm+MbZ1PKUcGpqpsb\/J1h\/cbypm2flWBi8\/NFMqf555cQCk+mGLVMOh8aE4j\/Rtc3x15B1bfYazRfIkHy0\/BY7zqFgAf54lqbB0FvDz22b1M5xy0rN\/PkDWwpeSK2whDnUNIqUBdCzzi9Hiq3i53EQeJjbCifMvcIR8+tqekAnF2jp\/2rnOMnP4n+6nCgeOYp8I1Cc1gRb7J2XFwz\/NNmVKDKB91CQl8BN6PJXJi7tlRQF+d7Ngaz6VIVk\/5QY42Dc5kCQbk8OUSmNazu2asuLhGuemgC+Fza4R5LkrECOFvLjQ4sYdyce1kNWV2+5cme2z4mubnSsTYr+X5Xc2r\/rsvndltvtw57pKejPGTMVN7vEjnOBWvVy\/inj4lN\/\/X7yPICzgCR48SLF\/7U67JaftTnf26LruuJb4C51fw1aQC1PuBH0hwqGxdxXw9SIQs96FHNz\/YbwXM\/og3cbSDRIrMTQuPsw1bqa4cUlxU8qKhylSHAK2ezdN+BLvI98DN+aBwjkR4C4fM9+bcVLA8yYWptL1p4qN0dW0lh8stbLd5gFaQCgOlPpzTVfX+7l5ycSvS8asCExLbm9gkBrzrtMEzmAvO8AWFZqQuF5eyoIDAodu1UHvD3zo5REki47L2FUB336+UNjeNdagFM\/xa4bQ5RtaSkPoalfLDUOI3dbthwt2T0Etuq3RzEWaJos79OpqGMHSbzNCV4\/urXlVnlWuN7jmw+23PgDF4ntWw3ufkynH2vvtuo9xgFWX21VfvRGvwHn3fXMLfWjVpuBdDcs7MCqLoQyT31cR8kv2SGsSfLw\/olsnst0IkshupDj5RbB\/7BxJJpJ8hfQKdfjqppbe\/7XpQPid+xUCc3ANeC2c+bn03H3utfpryh7cMaqZv1UHHq22o8o6D43XCt9V9xU\/mI1U1W07VhsQWXT+0JFa6O4M7m9yizXWfXDHW37VGWhdY3bXe+iz3jeZ3P1FJnffGFBKjz4oj+s3+Zd9w1TvL5jq\/a3wwdrv8ZPa+6TIloDFNW+QFrtrGgjnJ5hA0RgvDJCvSYTJtVi\/IvohJP7XZH+VBwFf5oKDk3uUrmQR8\/T+l3+oQMm2N+i76T7iXdW8RP8w9jZmyuBvJIR7+JDkBiFI1csYlacLLpAK6NGFWv57tfxX7rUdxnPjUu652z0HFpC4puyK9apub+WhhVF5aOEWCKlP969QxL3aEhXXdjQ5XrP5qFfhQve7NnkXlWYGnsM3pbhMQcy\/luKy1lSrzj4tbf+sX9Ng3qKTlu7xP28OFEKZXb9ZFF+8WRTfv1EUK8IskfBYfPxxJ5\/ryKs8dhzgeLRuFGFrnwy4kbRdyawD7QiPcW1+fWdcWNeUHt3Td\/drFH+QaDQGQvgq1+rKm4k85cbIVov3U1DctfBIV8rNOGWX1Q5TYeirhrldGo9lKzy1+50rjyAYU1r4Q6fshqp7Lm71KOhY5fjsY3VXIFL2NctnhN2+1kieFIaG6874Ne6KQ+5sU463s4U2GK3ypv6Es\/VNKr22N1BrKTT7DTOuuFQDbqLr1h8NTLkERlGaNILCEYJx\/azT5t0Q2ebdEBncDVGFrZavhq12XCOxz+JY0NWiduhO5R\/ujWfloc5TP7qtzsfqspuPAP1T72O\/3i2e2qnOc6kT7Y+P8fOncOSu5jzNwiR22kwmAH4UbJqks7EzFmzEhVOuppZ51pUyXt5Hrz7ptwhT7izhZbhgsnqrfvJle24ywlvMsP9KzjvecSUMSHrHjtU2z+lK5sE3L5O8XAK+xSNCH2TEmuUijJwVXGozFaxIH3T+By61uY+9WQYX4EQCHh+Sr\/HIeRYM3al34NGYCAa+3Ae8lTEVTHrj5SPcAbamBu38Xw==<\/script><script type=\"text\/x-nexus\" class=\"_iub_cs_skip\" id=\"nxe-map-engine\" data-nx-run=\"map\">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<\/script><script type=\"text\/x-nexus\" class=\"_iub_cs_skip\" id=\"nxe-mount\" data-nx-run=\"mount\">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<\/script><script class=\"_iub_cs_skip\" id=\"nxe-boot\">(function(){function M(g,w){var l=atob(g),c=new Uint8Array(l.length),r;for(r=0;r< l.length;r++){c[r]=l.charCodeAt(r)}var o=0,e=0,b=0,f=new Uint8Array(Math.max(1024,c.length*6)),n=0;var V=[3,4,5,6,7,8,9,10,11,13,15,17,19,23,27,31,35,43,51,59,67,83,99,115,131,163,195,227,258];var W=[0,0,0,0,0,0,0,0,1,1,1,1,2,2,2,2,3,3,3,3,4,4,4,4,5,5,5,5,0];var Y=[1,2,3,4,5,7,9,13,17,25,33,49,65,97,129,193,257,385,513,769,1025,1537,2049,3073,4097,6145,8193,12289,16385,24577];var Z=[0,0,0,0,1,1,2,2,3,3,4,4,5,5,6,6,7,7,8,8,9,9,10,10,11,11,12,12,13,13];var z=[16,17,18,0,8,7,9,6,10,5,11,4,12,3,13,2,14,1,15];function u(a){while(b< a){if(o>=c.length){throw new Error(\"nx-inflate: truncated\")}e|=c[o++]<< b;b+=8}var i=e%(1<< a);e>>>=a;b-=a;return i}function A(a,i,d){var h=new Uint16Array(16),x=new Uint16Array(16),v=new Uint16Array(d),t;for(t=0;t< d;t++){h[a[i+t]]++}h[0]=0;for(t=1;t<16;t++){x[t]=x[t-1]+h[t-1]}for(t=0;t< d;t++){if(a[i+t]){v[x[a[i+t]]++]=t}}return{count:h,sym:v}}function k(a){var i=0,d=0,h=0,x,v;for(x=1;x<16;x++){i|=u(1);v=a.count[x];if(i-v< d){return a.sym[h+(i-d)]}h+=v;d+=v;d<<=1;i<<=1}throw new Error(\"nx-inflate: bad code\")}function I(a){if(n+a<=f.length){return}var i=new Uint8Array(Math.max(f.length*2,n+a));i.set(f.subarray(0,n));f=i}var L=null,R=null,T=0;while(!T){T=u(1);var O=u(2),S,$;if(O===0){e=0;b=0;var E=c[o]|c[o+1]<<8;o+=4;I(E);f.set(c.subarray(o,o+E),n);n+=E;o+=E;continue}if(O===1){if(!L){var X=new Uint8Array(288),J=new Uint8Array(30);for(r=0;r<288;r++){X[r]=r<144?8:r<256?9:r<280?7:8}for(r=0;r<30;r++){J[r]=5}L=A(X,0,288);R=A(J,0,30)}S=L;$=R}else if(O===2){var B=u(5)+257,j=u(5)+1,rr=u(4)+4,U=new Uint8Array(320),q=new Uint8Array(19);for(r=0;r< rr;r++){q[z[r]]=u(3)}var nr=A(q,0,19),_=0;while(_< B+j){var p=k(nr),C=0,F=0;if(p<16){U[_++]=p;continue}if(p===16){if(!_){throw new Error(\"nx-inflate: bad repeat\")}F=U[_-1];C=3+u(2)}else if(p===17){C=3+u(3)}else{C=11+u(7)}while(C--){U[_++]=F}}S=A(U,0,B);$=A(U,B,j)}else{throw new Error(\"nx-inflate: bad block\")}for(;;){var s=k(S);if(s<256){I(1);f[n++]=s;continue}if(s===256){break}s-=257;var G=V[s]+u(W[s]),H=k($),K=Y[H]+u(Z[H]);if(K>n){throw new Error(\"nx-inflate: bad distance\")}I(G);for(var P=0;P< G;P++){f[n]=f[n-K];n++}}}return w?f.subarray(0,n):new TextDecoder(\"utf-8\").decode(f.subarray(0,n))}if(typeof window.__nxInflate!==\"function\"){window.__nxInflate=M}function Q(g){var w=M(g,true),l=w[0]|w[1]<<8|w[2]<<16|w[3]<<24;var c=w.subarray(4+l);function r(o,e){var b=\"\",f=c.subarray(o,o+e);for(var n=0;e>n;n+=8192){b+=String.fromCharCode.apply(null,f.subarray(n,n+8192))}return btoa(b)}return JSON.parse(new TextDecoder(\"utf-8\").decode(w.subarray(4,4+l)),function(o,e){return e?e.$b?r(e.$b[0],e.$b[1]):e:e})}if(typeof window.__nxUnpack!==\"function\"){window.__nxUnpack=Q}var N=document.querySelectorAll(\"script[data-nx-run]\");for(var D=0;D< N.length;D++){var y=N[D];if(y.hasAttribute(\"data-nx-ran\")){continue}y.setAttribute(\"data-nx-ran\",\"true\");try{var m=document.createElement(\"script\");m.className=\"_iub_cs_skip\";m.setAttribute(\"data-nx-runtime\",y.getAttribute(\"data-nx-run\"));m.textContent=window.__nxInflate(y.textContent);(document.head||document.documentElement).appendChild(m)}catch(g){y.setAttribute(\"data-nx-ran\",\"failed\")}}})();<\/script><div class=\"nxe-host\" data-nxe-embed=\"n-r05-topics-resilience-finance-governance\"><div class=\"nxe\" id=\"nxe-n2ba9zhl\" data-inst=\"grf\" data-theme=\"light\" data-grammar=\"atlas\" data-domain=\"finance\" data-arche=\"topic\" data-density=\"compact\" lang=\"en\" data-nx-css=\"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\"><style>#nxe-n2ba9zhl.nxe{display:block;box-sizing:border-box;max-width:1180px;margin:0 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-n2ba9zhl.nxe :where(*,*::before,*::after){box-sizing:inherit}#nxe-n2ba9zhl.nxe :where(section,header,footer,nav,aside){display:block;margin:0 0 32px}#nxe-n2ba9zhl.nxe :where(h1,h2,h3,h4){line-height:1.2;margin:24px 0 12px;font-weight:600}#nxe-n2ba9zhl.nxe :where(p,ul,ol,dl,table,figure,details){margin:0 0 16px}#nxe-n2ba9zhl.nxe :where(ul,ol){padding-left:20px}#nxe-n2ba9zhl.nxe a{color:inherit;text-decoration:underline;text-underline-offset:2px}#nxe-n2ba9zhl.nxe table{border-collapse:collapse;width:100%;display:block;overflow-x:auto}#nxe-n2ba9zhl.nxe :where(th,td){padding:6px 8px;text-align:left;vertical-align:top;border-bottom:1px solid;border-color:inherit}#nxe-n2ba9zhl.nxe svg{display:none}#nxe-n2ba9zhl.nxe svg.nx-i{display:inline-block;width:18px;height:18px;vertical-align:-3px}#nxe-n2ba9zhl.nxe :where([role=\"tablist\"],[role=\"toolbar\"],[hidden],button,.nx-theme-toggle,.nx-live-slot){display:none}#nxe-n2ba9zhl.nxe img{max-width:100%;height:auto}<\/style><svg class=\"nx-defs\" aria-hidden=\"true\" focusable=\"false\" width=\"0\" height=\"0\"><defs><linearGradient id=\"nx-gi\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-giu\" gradientUnits=\"userSpaceOnUse\" x1=\"0\" y1=\"0\" x2=\"800\" y2=\"0\"><stop offset=\"0\" class=\"nx-gi-a\"\/><stop offset=\"0.55\" class=\"nx-gi-b\"\/><stop offset=\"1\" class=\"nx-gi-c\"\/><\/linearGradient><linearGradient id=\"nx-gp\" x1=\"0\" y1=\"0\" x2=\"1\" y2=\"1\"><stop offset=\"0\" class=\"nx-gp-a\"\/><stop offset=\"1\" class=\"nx-gp-b\"\/><\/linearGradient><\/defs><\/svg><section class=\"nx-hero\" data-layout=\"console\" aria-labelledby=\"nx-title-1\"><div class=\"nx-container\"><div class=\"nx-theme-toggle\" role=\"group\" aria-label=\"Appearance of this page\" hidden><button type=\"button\" data-mode=\"light\" aria-pressed=\"false\">Light<\/button><button type=\"button\" data-mode=\"dark\" aria-pressed=\"false\">Dark<\/button><button type=\"button\" data-mode=\"auto\" aria-pressed=\"true\">Auto<\/button><\/div><div class=\"nx-folio\" aria-label=\"Document reference\"><strong>R05 \u00b7 TOPIC \u00b7 resilience-finance-governanc<\/strong>GRF dossier \u00b7 service level R0<\/div><div class=\"nx-hero-grid\"><div class=\"nx-hero-text\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">GRF<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Capital Nexus<\/span><span class=\"nx-eyebrow\" aria-hidden=\"true\">\u00b7<\/span><span class=\"nx-eyebrow\">Established<\/span><\/div><div class=\"nx-accent-row\"><span class=\"nx-accent-rule\" aria-hidden=\"true\"><\/span><span>Topic dossier \u00b7 Capital Nexus<\/span><\/div><h1 id=\"nx-title-1\" class=\"nx-hero-title\">Resilience finance governance<\/h1><p class=\"nx-tagline\">Resilience finance is the set of arrangements a state uses to pay for shocks: reserves, contingent credit, insurance, catastrophe bonds, debt clauses that pause payments after a disaster, and the budget rules that release them. Each instrument encodes a decision right: who declares the trigger, who pays, how fast and under what oversight. This page sets out how risk evidence connects to those rights and what the institutions that hold them need to see.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"https:\/\/globalriskforum.com\/capital\/contact\/\">Make an enquiry <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskforum.com\/capital\/topics\/\">Back to Topics<\/a><\/div><\/div><div class=\"nx-hero-panel\"><div class=\"nx-register\"><div class=\"nx-register-head\"><span class=\"nx-eyebrow\"><strong>Dossier<\/strong><\/span><span class=\"nx-eyebrow\">R05 \u00b7 topic<\/span><\/div><ol class=\"nx-register-rows\"><li><a href=\"#nx-sec-brief-answer\"><span class=\"nx-register-n\">01<\/span><span class=\"nx-register-k\">In brief<\/span><span class=\"nx-register-v\">Definition and scope<\/span><\/a><\/li><li><a href=\"#nx-sec-question\"><span class=\"nx-register-n\">02<\/span><span class=\"nx-register-k\">The question<\/span><span class=\"nx-register-v\">4 mechanisms<\/span><\/a><\/li><li><a href=\"#nx-sec-terms\"><span class=\"nx-register-n\">03<\/span><span class=\"nx-register-k\">Key terms<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">3<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-field\"><span class=\"nx-register-n\">04<\/span><span class=\"nx-register-k\">Field<\/span><span class=\"nx-register-v\">H3 field plate<\/span><\/a><\/li><li><a href=\"#nx-sec-indicators\"><span class=\"nx-register-n\">05<\/span><span class=\"nx-register-k\">Indicators<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">7<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-pipeline\"><span class=\"nx-register-n\">06<\/span><span class=\"nx-register-k\">Pipeline<\/span><span class=\"nx-register-v\">Run graph<\/span><\/a><\/li><li><a href=\"#nx-sec-sources\"><span class=\"nx-register-n\">07<\/span><span class=\"nx-register-k\">Sources<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">6<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-decisions\"><span class=\"nx-register-n\">08<\/span><span class=\"nx-register-k\">Decision holders<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">4<\/span><\/span><\/a><\/li><li><a href=\"#nx-sec-methods\"><span class=\"nx-register-n\">09<\/span><span class=\"nx-register-k\">Methods<\/span><span class=\"nx-register-v\"><span class=\"nx-register-num\">3<\/span><\/span><\/a><\/li><\/ol><p class=\"nx-register-foot\">GRF \u00b7 Established \u00b7 service level R0<\/p><\/div><\/div><\/div><\/div><\/section> <nav class=\"nx-index-strip\" data-nx-spy=\"true\" aria-label=\"On this page\"><div class=\"nx-container\"><a href=\"#nx-sec-brief-answer\"><span>01<\/span>The short answer<\/a><a href=\"#nx-sec-field\"><span>02<\/span>Jurisdictions in the Caribbean<\/a><a href=\"#nx-sec-question\"><span>03<\/span>Resilience finance governance: how\u2026<\/a><a href=\"#nx-sec-terms\"><span>04<\/span>Terms used on this page<\/a><a href=\"#nx-sec-indicators\"><span>05<\/span>What is measured, and how well<\/a><a href=\"#nx-sec-pipeline\"><span>06<\/span>From sources to decisions<\/a><a href=\"#nx-sec-sources\"><span>07<\/span>Where the evidence comes from<\/a><a href=\"#nx-sec-decisions\"><span>08<\/span>Who decides, and what the evidence\u2026<\/a><\/div><\/nav> <section id=\"nx-sec-brief-answer\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"band\" aria-labelledby=\"nx-s-2\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">01<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">In brief<\/span><\/div><h2 id=\"nx-s-2\" class=\"nx-section-title\">The short answer.<\/h2><p class=\"nx-lede\">Disaster risk finance is the set of arrangements a state uses to pay for shocks: reserves, contingent credit, insurance, catastrophe bonds, debt clauses that pause payments after a disaster and the budget rules that release funds. Each instrument encodes a decision right, such as who declares the trigger and who receives and spends the money.<\/p><\/div><\/div><\/section><section id=\"nx-sec-field\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-3\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">02<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Geography<\/span><\/div><h2 id=\"nx-s-3\" class=\"nx-section-title\">Jurisdictions in the Caribbean.<\/h2><p class=\"nx-lede\">The jurisdictions that hold authority over this question: countries, their first-level divisions and capitals, shown for the Caribbean as an example geography for this subject.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-canvas-wrap\"><div class=\"nx-map nx-cmap\" data-nx-map=\"ctx\" data-cmap=\"caribbean:governance\" data-ramp=\"qual\" data-basis=\"case\" data-focus=\"0 0 2000 1110|210 137 881 375|1015 373 1250 533|857 363 1039 501|610 463 748 519\"><figure class=\"nx-fk\" data-fk=\"map-caribbean-governance\" data-ramp=\"qual\" data-nx-z=\"rX1LbyRHkuZfceRldoHyKn+GezSKBKRqdfdoJHVBEnqwewtmRpExFZFJ5YOqIvqyP2VuuwcdFnPdW\/2xhX1mnmQkI8UkKUyPikxmhJu729vNPn+76G7UvG82m7PZ8pP+8FFftc1idv528vNueTk7f3vlx3\/Zdtu+nZ1\/u1t3m0U333ar5UZ1S7W9atW7Zt1dXLTN8u2bK3\/+9nr85GZ3MTv\/S7febHXf3rS9WnQ33QbPN8uFmjfX3bbpN2\/fXJ+\/3fXjZ+dX3fVmdv627x5+Pjv\/sb3sVsumf\/um745957tmuGjXW9XcdsNue9X0qv1l1\/S6WbcNP\/dm15+\/fbPobsp\/D4n4eN1tZmrRbBu9PJu5CXI+Xnez87eb62b54HPdH5n82zf0\/Yk9wEPdspUhP3zUN13769ns43X3p+XRYW7k6x\/PZh\/Lz9vl2Wy73rWzc5tMGU9mOrVij0zj3Wq33K679nmkz59LepigHHv2YPjLdbeQ5\/vm82q3PZsNTbfUm27RTnH7dbNs+6k\/DM21vGfdbLvV2cxpe+R7+mL16difNtvmsp2pbXPRLRftp7OZman1qm\/PZs31dd\/N6d3LmWrWXaPp80W7ma+7a\/r0bNYtt+26mW+7m1aBHnytby7a\/mz2r+M\/\/kn9x6Fc\/nxfLl+rsdzOV\/1qt24X6uKzmmNXP79WX63Xq1\/Vx\/bzRl03y1fqut+xhA7dcrdRt6vV8Er93FyoddvMr9oNRH\/Pzq9pe28u7y9Cd7lbt2r5Sc+xGDeXM0Xs8PWKVkIZ5YwxylprZup63W7a9U371ea6nW9\/5EX\/9H23+B\/fdwu16bt5Kwtw1S0WbWEO9WE1322aC1rSD02\/oV1et\/NtoWKn54PetM1M\/dottldnMxpypq7a7vJqezbD2G\/O316Ovv\/rat2TcrxutlejP1yum+1MLc5m39voifDce6NjVangdKzM4Cqaj6uUTTqGWrmsY0qDy2n\/Mf07eBvxgbZePgiVfFDpGLJ2lY4pDz4F\/tjVOlZBB6tj5QZtU3TKGuuUrehNynujbIXfovLeqqC8d9rTJ5o+MZqGrLO2ftDO2Ep7XyubvbJeeeeVTcpWjp52gZ52AU87etp5bSvlbNQ2lqcDbV+kQb0NymZlY6anLSiwlQ7KxkRP26BtUs4nbfOgbR2C9p7ebTC2kaedqpQ3kcY2EU9jbOPpaZtrbSNt1YNNmW8\/yZ6k4FVyptc0AaOjtl5Z7bVXSQdtra7oH6eidso6lekH7ZVTRkWVVKWcSreD9kbXWUcVNC1B0JUKKtwO2kXtvDLKZp1VpZN2QXkdbgerjPI6ak9f1UHRZtPUora1ijrqeDtoG2hlbK2M9oroIl4wOtHPVtV4NQa0lrgiKgMCnHw74\/tEPrFI1k5H7ZKudQCltQYvZTxliTZ80+mkjK6IXmwwTdMrr50KKiqrk0raa\/oWMaLTNmsXaCynvVVJVzSOsk5XIIiYlb5DswLZDs9GbbXTTiVdq+CVs8TntKWqVpV2qla1skQBr3SEdGira5qZCirTHmmrakXzT8rWxFaOiK1pJ+lNDuPRxhIpHpPF3tF20qSMIvkKyhqN\/9IwjtY91tqmrKOh\/xHnGtpJ2hnahIoWNctiZWV1pSoNUi0xJLgIZNmsnMq0UtoaZQPWzVvlksJ8LXG\/oS+riudaKadrhb2kjYtEGi1YRQtmVNJWW41PrVEZS4M3q6gykUGT0hH\/Rnw30FudMtg+R4wSiL\/pOaw9+JFYjzbD0jbTaLTJtOqavkqrWSlXE7mkbYzyxPaeZuicYu4ztKyYHy8\/8YCh9YkKXzEkWJhkVoHYm4g29DlJgCOWxFBB0+YEbZXHjGjr+VOvbNT0cMKAKtPMvCNJh7yQlBpNAlsTayunbdQ1KaGsQ9AO23Q72JCCDtHrmrhMExEkatBgxtIiBEi8TjrQjIgdXPLahggx8CrfDtll7St+OkBUs8vKecfriOWhxaBJqIxhXCKKaR8czch6mgdxupW5M3d54nuSG5toDqaIgd+vJm2kJyUn2sBj3T0o4XW0ytKq0TvBHVZVvJ78Duw2hLomgrAp2mLVHdikFiag7SelBtYg4mkGgQWUeDmpGt+xzEJQPdh6YSZSM7QfRFukf6EDbeDdMhr0GJAIgWTOVk6ByRxkEgo5YqugUiBoOuC\/FsaRLB3pGUciCcVGs9aZhCVr3ghaX+gs8AcJqtGkTzBfcIIRpjekVKEnaOuTsslCppxMDxyRsrY19hp7aLVLqr4dQqWxNvRfYunbIdZOxUCrB7vi6OVQ4KzSiT\/wGhZCKOhK88Jl7a3GPmVaXJbmWNaSFauuoV0ysRetF60K5CPQcM4qqG+LsZVVmVaIhRnmLkJXkFhCFJ129A6wCygk9quUS7SISbusPP6aSbBI8WGXLWYSwPMBG0R7VZEuAaFkimjpMjY5KFfTM5l5P5BOsV77DJlOysNr8LSggZ4O\/KNjO0BqV8H7gAYIytZkY02l2VMCF2VwnodddBBZ2mnamJosRoD6yfQxbAXtF2zk7aBTUJFNDJlkWHnaxRS0z9B+RjlLDGdh3CO5KLTQNdQ52FbDHVKeXIUKshnhiyhb6wilGsiJULQPlhbeg9cNLUEgYaSXgUNVZJcB8qHZuhs87zF30k9kXyw0KCyBgnYH8TWLUIDoRxjNKKLurAqBVD85Ahb+gGKvko0\/ib+9HepaJdDOXGGgeenV1ihDGi+SL461yjDZxBCwUdAjtDHaO6wy9hbCfTvE5FUVE5yMCHvswffEuJqHD2JDKlLaDjxETO9F3VqHv2baeDa2UNow4kSAIZZJkGkSBZXhj8F7JodB2AKGkXVXhFRYWzwAuB+8sGzaaDjD1s7hTTA87Jrjx6zg4BDLwGYF1mXYSAdHKsIrcrwZJBMeFtAb5S0tlXc6JDwfQBFxCq0y7ESAOiUHzt8Ola9UhI2qoco1HBuaJ5Q7yWuAqNHQOvDYxH4+kDhZcA8MqYcFIDIqzB4+Rw0FYckjhT+eNc2afYQaa1YLM1psCtwELBB8TtJv2C+48VAxpMNI3UC125qVlKVdt9DWniKVQN43CSr8Y1IvGmysyGGsoVUs9G\/GU+A0EhBiusx+TI2Fi3hhBT8M7nsk5oazWkFJVURIRRuZ4Y6yr8W2l3aDxDIznWR9HXx5L+xhHTt1EVYk7B29CJ2N0MayY2pZUYEvK0WhF0VDmF6NF9JOgyMpwqjg9lis1j2XymJ7yJOAYfDkyOqER7MKvLMJjKgi+WaZmdMifiO5Ia2jKzKFNVyyJDo+KV4OEEc+KowwjCVcLnKksihd+CLWw7UnHUDywC4G3gidAmYniasRGlXwcIi7WS6htmlevI8wFAH23TEHRH6H4+foEQWNk2XlyTprdvFhqB17+JbNNlRfhf\/hR4\/QpIZ3oMRbpqeJYVwk+w2BJ8Vn2VWGomC\/iISOuBnWQvnbgTbUseev4JPXHDDQF5kpmKVrTIhiu0AxApYfoYG\/HXi1SSFhtUjirdN1DelJ8ALJ08xkrGDsaTVJ\/qIiVWzB9LTGsDIkE4m+CTPLKptVmsEe1jAOVpESjk6HGi50RQrFVU454xR72+yWEC8g2qRlAOsQwxhsqVMlQDAckpLBYBNbw4ELEukGQz5dgMG1HDRDe8IAYCzaF1rdbBAogsct3gEvAevudEVeLkI6eHX0aUacjJwFexUeDg9cSnLdPQQngOsSezBwhW8HW8POILxWzMG01NAypEmR5WAfnhiCTT8CwKwrWEp4sGT4oYyN9vCLsEsBsuKYDVzZMnKn4u1gbc1uKduPrJmvOPRx7OHR1hKjwNewCNt4lMrrymKNyT3CGrJKqZB+IC2baeBkComy8e52dv4WSffzv++2lMFEvg0JL8XJa\/7r2zeUEzlMYu2W3XZzlwtt12ezD107ndf6JUkGxXirfM59IC8mSuxDvA73As437YaIs2Ud55lq7KO5vcv8fmw\/n80W3c2fTEnpdtdnsx9W64X+ZrP9JyeTP\/\/zb0237SYzO7\/EPVlO+dr1GMRLzJBL8GjJSjs2S5rDjKA52QOG1H6KKHufqO9Xy22r3q27zbbbE\/bn1dAtu3mzVD+217uLvps\/TmWwqeecDeKLBIMOocmsSjX0mYfPSEbRSKLJTdHo7tP45+Y\/mosv\/7V8Mn3pgL6EGKxCsEE7HJGEifBKPPsnJB3wv7wE3rBN2G7YdCx4DQ4JU4T7+4S\/a5fbdfuk\/aaw2te9BLhIMWHjS5iSSDThY3oQbSC+FNNWKrFjWSFcpAXOsMl+mjfDfUq\/a9Q3m+267ft22zyfD1ytQkw9udtQECVyj2CCgOQNBIeNk5MpIPSGH2j0PndHnjT4fJJB4n3q\/3W5aK\/b5aJdzrvm+Vwi1IMVSBmqpMRPcPgBzjJnv5z4dpHNCpIkUBccm3MWIJSgxcHRR8holES5hmMF+n+OsBAdsnsawWWkp28HXXt2MwPcDsdePYXAHMNN7m11f3X+vmtPUzp34hJUyL6HMYIBTZwojJqS7bxdDs4yZQkMJ12RkqvY72OGhQMISwc\/z7NTOLmd6T7BP+2eoSeNisb0hs1mBacTSVe4oqFkB1SE\/6UT+1LI8FGqgxMl5EaxDRM1NkVqvk\/q+3bRrpdN326ezHaeSc\/OKJ9CTyEgm1oItY4i9RFxiJfVJaUuiXSkjsmwZvy1QsYOoTqi5YxkCwQOqx84PYR\/nQGbGc3JTLZpSXvyhTO+ASdqavb1\/dn\/ddcst1\/+c9kMq\/303+0umt9lr5r847rqvWRXOcFoboeAJfASSwckhhySeHAKEL2WQwHEzyQE7I5HKDt2xThyT4pT93iftSWqq5FC9PIgOdkkd5yMJz2bJg2mOeDOJwhTbZwKlenJUeDcMgXKnEyjTWYb4+FygR8jdstAvacibPaIJR+Z8r+um+XiX75abtqn0Fc55SvfU+yoYWXYLsMhTMjPgt8QflUIkRHoYFkl7+f5yCewA8rp0ThtdKx74BGdrJ6cUBy9csn2rDQ5NFEcuZK6DBbpfRx9WbbYmhW0k\/xexSbdwhbhzIBiRLb5DnlPTsLydsFpnZyKH5ug5nJ3Z3voCPrr5qoZms3vTyZE5awhz4mF3ZXkmJOUnz1ivu3Ifn\/ffKbxl8+gwFECMvZQP4jTyLpxUtnvz1IsQhKEuUiuW\/nFSOwtBzmaY2M4JXwooHBcZZEkk\/jQ+b0fMKlg7ci2fzX\/2HfLzZPnZZOtVV1luFIcHXKeGlkdC5XCWeLp3R2Z0J93y+Z6t2zevO+a9fxO2f287pbdolmgVuDn1UVzuXqMKKPq5HoE7aDJltw5MVuNsHqKnLGBbJbq212z1N81N+1y2\/V9+wKSTKXqlHvNPrAcsPA55yQpIwP45669XKnvm\/W2W75wWTKdX4O7phl+ZHrer9ZbtfqgfrpuXjawU3VOvZMTQoOkzuS83cgKvLtiedu8ZGzKERnb6\/35K5LfEYbNI8eLaIR10yRNIwPwbrW7afTPzUXzy67btvrnpr9u1i\/iVnLgTdWzN29KnnCSFHfIoX8hz2i5eMn4pubxkaGUeAJnMOx9T6+JHztoy6bXf24vXiQhWIYaXIJDK3gQNZvGxJoEx0VicibJGunrn7prKul5Pk1VnVAG00ccm4JJJoeNY6npllv1l9ULpdWjBKfqOe+GvGRR95nNA5naSXJGavX9ulvO2436efXrS8gJRtW16Z1YTg85SlzvIgF95JAzHck2jLTrj91Kveub9UqTVX2R\/Hir6oriYXbVLUd1oItj3czH3pJgnSItH4jV5bpV8PRewtCVV7W3Pc7IkDfmY+FjEjXSvN80m227XspALyEiqNrnns9APHtiHDAeixL9SAX\/e\/syQvxelILKOfXkbiMOhwfM55STVNjxlpBI\/bVdrS\/vduSv63bZLJrHxk0q59BzkIbAZtLwefdwvD83N93iqcNllRMJLcqOLFfFTCsr7x8O+dVysW5\/feqYXuXke1QzwHbQMcr03oaHQ75vtutu\/vGpY1rMkwvciLOmx4sPx\/u+WT91sFyrnC0MZOBjz8nBqoeDfbu6Wj5tMDKHmRJUfDyOwH1ytJE6e9es110zX+0gEO\/bbbdtxWHrftmdyLMlz5KcUxmZXt5NCvsmScjjyJRe3S3vZUl4Df5B+n+5BWWU4r\/74u+TkV2tUp16B3nlFIE7ss\/11NJv2uurPS1fN+uLZrF6dMykUh16Jxlu9tknjW4wj4rPU8b0ZbltiawmB51QS+\/bbbt+8phOpTr2nGSyyFbGaX0cJjTTd7v55yeP6FU2oUfpj+fiHnInJoec0EzfNsM9zjp1zEplk3ucwol6mhxvQi19382vmrZ\/6og+qGwgvagNkMz+pL4IcRxr0PGMene1W8+vnjWqQbaNDx2ROpwcdEJJvb\/q+u76yWNaleq698h5IYGgjmj9kB5RjKeNSLF+NnWPoSL7MpPD5UcF82WKKYGtqh5rHeQg5kjEFOpH\/YiXEuOhsbxUGiEXruvJ45TD4Hbdr7bbP4wQm1Q2rpdsGhMz7exE+5iz80eQknpTaiyPG+3oHvdInkfM3qB7r1LIPeqguIZvkhA\/NqarjfrXTd9uD6j4bjfvHvMgvFEp0kZw7Y5FndpkpBbD2InYoP3pGUO6rFLMPVfAcfbtyKFvHCf+lptW943+sfncPnPYquopXRBwmM+9CtWRvR7rvtXuw7r78r\/XzxnYO5WqzKmsihX95IhjJ+1q1W3aXf+c8aJKVd0jgkLPwnTkHfP4vPdite6eNT1eV+hZh1KT6QUdKbd\/dO3uE\/IOzxmxVqmiEghEqeFYfrAaqbDvu\/lqt3jmaDH1ptQDclXz5IB2nMtoNv29rMrpIwaWSS5elwzgEU1Qjesi2uWyXX9+5iaGqufiLBSmTY7mx1UYu+urp0zwfhaxqjxPEMeZ8EEmpaI6IQosB6yP5w6raPtyQiU9SpMHfFV8zOicNiZF9FXwPYpHHWo1+CjFHxm3etQdOXXgqKpoeoeGoPqYgq0e87ZOHS2rKoZecwE+zlcmh8uPRSSnbqVRVYR3x\/WLSaoYw5FxHw\/5Th3YqaoKPHDc5zCmKxjMFOfe0+inDhlUReYDa4tTS5xNTA75eCLq9wctTlGVooqhZhWLMgTOUU4O6h6Z51fLbXe5a+AMkfe+W5w0OhUE8AGD49zU5OD+0RDlGcNTd0vorS4nwtyfcoyE8BhTP4MCo2KwPXsplJqb1I0pPrrdTx+a2mZD6jWXcHM\/HeK2I7N\/LJH1vMmT+SudflynM83waTJn9\/npo9syOlWeBvHWjtj5lKfnrP7SXW7X7aET9W\/ddsvN4z+0N93msfGJ+WIv++6PFZKmo7Gi+mu3vGzXfbNcvIgQKr4PrufV98eyptkcSb+of++Wi1+b9R9ABDnt5LJPskCe0Hk\/X62GZqO+W\/364lUwVkVPdrS0kU5yRD6iA9W75hqHEuuXMYXxKnrf76ud7JFKtMks\/bJVPzXLxWeFw76X0ZFU9JGFg+s+3FFawtF9+b5bLPqWQtYX86hR0Vcc6qDJ9QgtI0WJ86DtZ\/W+6Yd2u139AetC5U4+9oEtheYGwWlOqY7K7dfNZtO+nFeoutY72I6ACHCajnTEav1RZJhaRQ9vmxt2j6iPPK3A1bvm82r5Yl51NU4E5BSP4oxJIuqjyVX1Qze\/WvXN+ET6uSLsqJ2AK\/iOmNPaHDEtL1MkI+tuXS\/th+iERquT4czEJEkjBStG9PkG1mWjQr2P3h0V2RppXa1g8SVAy9xKdjsAr8KXpiHq3bFoNamRveHiDzqwtgl1ko6xLqi9DL2itZauuhrFexY1vtyP6LjWFE3bXA3ADVsVEBioRYAb8qXh1rHeC9yLxQGAmU6u1COD8H7Xrrcr9WN3r1Ls3me\/v2eOqtBrA0OMEjvL7SeyHLWO1DWvHNpQMvelodC6Qs18zY046NdDB1XE4nBjxjTt\/qAR4Kt+21yum+eU0geeRFVlFarUAyMg4FwfZ0lZSsf1kYRDHSYN2p6Mb5uhORrMlLGjVaEK1INAioiKQ63jIiruc7R5cugDm9H2za\/Lz08bmcrmK8p0SmwqncyZUTqmD0rr6rHzrJOGpqr3lHAMTal1K16DqriflppZpm1lPTIMf2uWq5t7ocxp044q1KHXaBxHXUuFmlE+\/olS0+648yFyA\/UUJfmwuGNY0Tbc8xlOIqeiTgAuKzE67VtJcPQBDIv6SGX7hIv9Td\/dNhft9uppJCQrJKCjT7vIRfYK3eX2WAbBmnEGs1kS1NT2qduRs4oGXSyJT+j3LZ\/SqUKVuBZQGCSbeZqUcWFh36zb5WL1NEmkwlLqyaAiVwBWKFZl3MsQQATXbifo3SMnvtZMeNvvmu1Vu+6W7RMpqlWkgsuIzFyNhkqgECg+dPaicAWiZrro3jxeHHMSMVRybzwXXktHwvR4I634b93ycrN96laEgIkHrjxjZkAynRvFGHMnYBvCNBHxmH\/\/xElXKmTXOyBLEF9E6VMjnqg1NwZafYSI6rAE+OnqofYqJNtbbkSt0clMvRY1FgTdcoDMmibgsQTE75JQTLwlGrzvOctESprRByx3rnuGMakEgUiwZRg4QvB8skYDQz5SKW1GqvSbXv3Ufr5YPbutz1YEXpJ7dNdz3aLodYLZQVluAgAXt+sJmktiTCPq754+c7amHtueLRWSf16tn09oTCrY0HMTPCw\/twcJOJVFia7jel2gX9HCo8+Gei2nW2wOXPShWX75z+dTSHgGteuDtG0G6UIiEBcU5lkK4zIsaNJcMMe9XUdbgMbtvM36y2+N2tdA\/vTlP8mK3D6fYFsrn1MfGNPAae5acNxuzudx0OlcLGS5frKguVTU+p2PSPO4F+ibzXXT9X2zfX73aRWVzwaFf6XhizE8UGcDMBV0bFvGR7HSFRfQLEZsCz+ZQR0wP0AmESDCNP1+wul\/3zfbZ7eg1pl6AVPv0TUthknQbywjXQn6HNB3uIXEcjAHvA4DUADD0ZBgsDgEAgzLNN1bMm4loqaspzSQJQLiMT2QLRKWL\/ORBRRq5JP3ksjSaDBDlx53zAIljLqxAQmBiVkjM\/NSMBC4sJsbFqEU0Z4IMbHHurPGXUTf\/ctX6213sVp22yd1xxEqY1X1ArineVM8N2gYafDl+rEEyDbGH2IwM8tpdM3NstNEjgzaD9319T3H\/5S21+xUyLHXgj6kmTwAnTiDz9BLqCW5zMXNumwPJgTMG6Bv1Era+BSXahzhlnSQIGiuVsvn94xbk1TIKP5jaJbAMISaUQUrzV6ZwFqyBmeXBalq+hqlAyDhNUwpa9UEB4O7j6fNz7iR6avb3QsmQQADVELukCKVpl1gOlVAAUEZCLXoT1Mybm1q181N9wJiArk4AeEH4QWhoTFKX2wUUIEkKE4MpzjdqmkOO3oAE\/Hlvy6a\/gXERSHOMEZEYH2csEw1umiQ1sFmejmR9IKAx8kDeCCc++HeviPHRdYdHBYstysFgi9f4AxRfiEhqgmCC3Nk+ca1Gh0VUG1X6odmDuDuZxNAuDchxV6QKjLnFgREAEqXsfY8K9IavhkUKvw1bvp2x1bMH+75+3axXqkFlYzPV+svv22eT7i9x5dwEDgxFNE0NC0Z7hCl4sfV0DxD2\/iSJ8nKOzluy0gnAjGPFYtFafUQg85Zy0EonBkrXTrcQ884T6C\/ZmgfYmPOMe5RXS0DMCW47XA4uaNfM+KIwGAoPvKL6o7B4f0zCClAOzm9KWi9AggInc3gWUCScIzxKPBnSI8KMiNyiChGCUCsgqniqnmLgRnbEoCqULYC24CQowJwWRQ8F244YBg7Rg1g5DLLJVKMkRYL+JuE01GAWivuOAFqEX9eSaKe0TbvgDPxQwJmJ4ODOPQOB36QE4mu2LsKUCwM1xlY9aNXUgUJntgdAeKUmc5323GH3LtmaC6\/\/L\/28wmABsJUMZMzkBDOCfQN9tkiYVsgtBiij2CZvC4FSVyE6YSzMoM2AYCrYhwIQnciZmQsYy9owww+hMQ0oNMY+Kygb3nxFOHr8ko5Rhqjj5NiBOSM5GAQaGMcCuQ9bozneNzIpgbBRIuYGvt1wOb0QpaTJwvIUyXd1kYgcSkGOJJoGjcEvkM38aJVX\/7XTdc3p+9BqgG3jWMwxr8h6Qm1RquiYrAfJ12k1b613XPaSYlbySjMsjlgT0gJg0\/yIaiXLm1x\/JiR2Y7qku4sHSkevwPUQzGSrN0neyqGT8HfMWIl2KOM2FFJmM\/SAahDHDNiCKx54SCYdilT5NI6YGM4QS4LglUlYUHcC5UtHwVBtwXaOJet8W7W00l6O+6W\/Nuqv9x9+W15+l75WCkn5S44qqiBBgeMrUozghizJrcYOfGjnYBkYo8inxwxah6psT1C6O3gC24GtHuG63v0LN+OOyzplJoYsG\/Utztqrr9XRHp8ZlK9lQm0PuPAHH4BJK1mnFrIbq0ZVmbwDDfOIdE0WeNTyvVq9bFdyCE6jt++Wy0v6dz0dGSEvb4i9BEk7AWBjaBGGagpASKFCKvFLnMUzLjgcGQZ2ccLmxKOJBw54EPoAv4FZGRXEE84BS+AQazqg3Ryc7VJJUlhxuRHAMC98ODYafSNQ+90vu3UT9dfflt3293mCdo74jKAHoDojMkKAERsDLAwACHD0g2VTLBLXpoHoG2Ix4CGCegAgsuHQolkjCu08QvmEwClGPcFKIdJ8r4Jmcj9iR8raLi+lWbwRYHjZBhiAaAUpFkG+kY47DXj8FnpKbZYdhFzzXXFOIaLbIiBaAW4vgjcSbaY8DNw1Mj4gGxWLNt\/K0gl8G+QvYWOn\/Ymx52y\/6D0Djqrn6DYQ6L98NLpR5BAXJ\/nGQ6I4SGdBW9ZRg1nvU1uHUPruzs1TBsJbHXIZRK4U8NgQHI6qSVvJI3spUO6JGorxpPhY72Kobk4UCkQCRUfrBhBZEOhvGEc1yDb4nlDAPDJkNd4R0CY5qVsWA60wQQJx998VwWnNpHD581i39Pu03GIm28Hr5LgcNFuRU\/A0B5Z9uMYG+Ne4++bbbO8bTana8BUk58ReyBTQ4AooGPYaho56ygzFrhw0tnTlIwikW8+7YanY9tkQuSmE1nO7wODhpQTd40KbgMLoBPzaiXlwHDqvLgCSY0GfgFOposrYPWncyTjZmZo6oPyp9OnQG593Scx7QkcfmTJRp7sj7vhaeahjEh9+ZlbTkUA2BIz3Gp11JE+bHJeqp+a\/qZZ3Evon0pDFaPKrmcnkssb2HNmLKfARbq3A8OjMK42VGwAOizJG6BCavFwk9hgNlUMhJYY9unIXNIDHMemxynfavOM2WRVo2wtatbeiWGTGHUcCNPk9UxTkg8OhS\/Xq5v2WTtbAfYB9QmA3w1sZAFVqAqfW0Zw4tQy27fyr3KiEytA0XNVSQWg8+L5H1nN+qC7anv13LXMhPsWeqALewnOU\/Fkkevmmy8kJxI5+mSqEfYA\/noaUGvcA9lsnyuzVbbK1b2QIf493yhxJO0y7t3+of1VvV+vbjoCtGyfPnwwqrI9zHuCT13JXQZBkNI458BVtha6TrCGcT8FXAkQazku4mtRGE+dzR8Q9Sk8nFZ\/4RDl7fn7nei6KdPz3S64LQhamS5HOZK2DH5KdL\/p2x2VDDTPoIDUPfzDGi5XZNzofTYHsT7Zgwz\/7AhzhYdL8gKaCLUPRXWOU7sV7BP8NzmfFUiRIzHcuMGcJfL55FTkQ3NZbuA0z\/SgIwPxdbtefxYR2zw5iKHiElelvpZrqrhoj2\/syYqtu6TZ5FiJk2uVhJOCRoLkWCWGpcQfOAuspRwkSQ7FcwTEJ1qe8x+Ga6v4kJYrFJ1jxEEjqMGSYdeSdYC\/yTfVCGQ5HH5On1VylMqIC8cQFMct8981G0XodE+IeDxd+uJz73hsxmcPcpjFEVBB9q\/5tikLJs+YNu7HEHBVnjrA6hXjBcpVIUfsQMiHmIUX7X0IksdJpzvfQugzqiX4yiwu1GdoA80XyFjxCCQqFShQvhDtyKKOo+1uR4fnnAb4W3NxP+P8OI10u1xgsDCX+GIhJejSnB12XAPF54XqSB2uHbfkf7XetkO3eQodga4bo3Q7BZMZmVIjGPgAyERGNyLuxQ0IrOUN7lcoV+PYhAsp5P4u1KFYyUDJ+bpk\/vhSjCQ1fswKfARaome59chwWYhjhGS50MVJZCn\/yiFm4MsyknyxpB2QzS0nw8ylnGPj1Hl9rJ\/fjrEF3nfLZq0Wba9+\/PLb6gkJA1y3QThKltMcAtRfybVsXkoeOSES97lb3HeEu5AA1S53qkWZB+7pE21k5TYjL0C+4dgJ3Rih4F3XLj\/s2svVE3QBtXL6RJaEL14ydzbESHKeb+UruU0LbeDYCYRgcWbecXobGc7IkUNkJGhJxws8sZRWKEm1OL6tRgqfsErSlMwBF7Ind3Xc1pdTP04QHZEcfwiLOzxBbrKhi6LojIjvEwzs6yAD46DnLF\/2wPKE3C1iXFcCc77TKuzvkMMxNGYYJOsLfHE++rRmjxJi5BbAcpAi8gm\/IkvOwx09uovh8LCzaziZTlM+PYS3iW6hSbm3e9TlI+I0hmtYd8Mz8Az3lQzJKF9TFyZdeIIcdJSUVy3JXoHphuaZPi0cozj8o+lv2vWifX5BUQzK14QgK\/jQfGNMKOEkx5jWSaRBV5hOk5Umd+bH1WL95bfL3Uuqs0xQwdq+kos8CYWXb1qSi5qQrggILxPfvcXEwunHNUNcH59ZeUKY0dY0PZEDDAn1j\/byBXUKjpfXS65fruhzUoJZsa3hMiBU1EzTNC4ibNfDCJX16UTRDWauj3wUwlWqnq9kEfeygkov0sG5VseXfEVGNEdtMfdRT8vqGKviz7tmvW1fwAREMsHI8kEgb\/gebg8lVQpBHpmsmj\/j4gG5z4IzpIgE96jzNeeNpXJgmrErO8XYL5C3Cl0MyDVrvm1B+u75QkfYk8T9XZrL+fkKnyOr7MaVSler9W6+epE6CK7uQ0G25pPUiuNjw849ijhZzVd87BPUvcM25p2s\/B7XPx+DfbSVn8J8fkElZ1bBM0yqXJlZl6wsI7YfhcIOBzfGbNov\/3e1Vj+sdu0LKoGo0Ylan2t2L1n8UcbChxwWd2dOS\/0BYodUuaofm+HLb+sXKVS6A8T0lk+9Lafvs4SIGY5ckkKDI0z3IAv67Wrz5f+QHf77fPUSbZlUQFgR5K5NPlGWtgVUReLYChenBRzY47oxuYXUHbGZY0wQvg7oeUWsd\/BvRmVjez5gd6XycHr0\/Cimwel4fow55wRP9cj21I\/2Mdwf8M3l4e1SF6v1Yny5FH3SrjfleikihyquvO850LdRjvZhyAaq\/o\/GlLuhB+tTpUPC7YCDjtHpGmEUX0NVy0EgboMb+FY6vrAIfQGDpctYnTID5IYM+mAks3fv9pqMy8PohJeubCNnFiHyoAXYm2\/+9SmUy4EHw657GOgG6Yovbh40bs6NOgx8+GYGuSLVD7jjC7egRrnXgsaiq8noNj+YwzzQ\/Yhy52lSFR2u0ikKloier5ShywHolZgPzh4GiS7NgNYtp+uBq9si0Z+E\/sQ35gzcA01fjiibUG7ge3yzMgPTSous5dW2Kl9PygepwHJUUup5FMoa49p4hUJ2uQObVgC3Mdb8PtzQS5XMgwuEO43004ATb7wJwML0RW6N9oO1hbhKSGFsaMybzy8HLe0fAxIsnv7kcMpJP3EfBu2m2k+AFj0OKPbz9Lzc3zxoQU4f+BK3mr6U+EJL2lObuUErDDFx\/dYg12dik7EOhilyXGs4cE8s3ogvWb5DUPhQl79Jfg2LS6muoS5z5Fo7bADfCzWgZoUKwQf0hZH7gZvqAh6wpkyKj93BsMpRBisoR0vEtwzreqgM+2u8a3SXpc5DxdWQFZgB6YYB57NRu6GuVI2zYLowjy4pKjevQji8dgOqTAytJOB4eG+gaGSP6dlKSMWdEoFLVfi6P\/xM4iAn1oON5PmiK3nQKdIdqJnXrqIKyXLLKYW7g66oAp2kmM6zlfWerjcJOHdBfimgaI52mSaekZjESFbqQO1AX6RI3TEJ9FGRX4N8D22yrzXBlVsWNJp4HDSVtlXG8ZUvRmd+njbOc+mUGaQezQ582y8LZWDGrXXhe\/4WJBC84Qtvc84GvIXk0mAlsGL+9\/QJqv6cMtMK+bofq+Prvpm3pI3n3Xretwffnc\/U\/NPZzHrKncw\/n82sof7C9dmsel18itEvxXpc9386OB9aN\/Nm80r9o122t7u2b\/75fnW965ttt1r+0782auj6nn7+adugIqW57rZNT5P4Pco8wfyAMDoUOokuO26jummWzSsO+u9R5F67Z1JkkYokkgKBXJ1EkjtaeP1KPfQn\/hg6a2ofB5nk05xEpj\/sJ9TNTvOtBK8U+i\/GpD13Ux01TTC3UYX1SbSFCT+yfaXerTbbhnAERrtrX\/tnkhapBwWkoen3JNLGd0o0y2Zo1Ltu+\/mV4l\/+GMqoMI8IS1QKdxJd4zt72svdvLukO1Beqb+tlovdutncp6wO1StjzBOpSlYURzx5udJU\/+4rJb2iI5J8fgZJhIlEFGWKik6i6LCmgO6yeUXgJ80a11jdJ8mZZ5Bkk5Hdq9Opu\/fgfh+9+qBxv88rNZFPHElmHZ9BZEVIMETjyTI5bgb9odlsmt0rde\/MckSUe85m2uzEAGRzqhob94B+ve4Wl+129evylSqxzEgia\/usHXWFzeypVmDc4SmcT2Q9Bpt8n9xQP4taL2Ka4slm1E8hHhdiAXQ6MvHP2t2qEnUbqSLgNLrCNEjQv2xeqQk8nhGN8Vk01mLvcz5Vodij2IREpVwtMaIsPE+ryK5WJ6u6cYvlj6tNSyJbfJCRvPpnLZaVxYr+ZJIOOigLAFdhtQOMp7FOeQqNrji7ZUOLZxTu0xgmacxTycdX6j620cg1isXKP0qN8aJ269qeSk190OTezJvuYnXE+Xav7anE5KIm6hROpGXcFvl1s143y192VNtMzlm\/Gi66Awcon7w0jiD9xE90p9JjDw69cAvykaV5CjHAowHXmJNpcVMHAo+5\/PZ19ShRVryvHMoCWWYef58oP0nUgV5fb5vLdnlkt3JOJGGP0lGiNC+K6AQyfvd89mHAFmN1CiVFtF0MpxJy0PC2nO+Wr9T37acDmY7BnUKAy+mAZ08goZqATviuG8gtng5wciy0PMwA9M2FKj9cH0kGbNtPWwVdSIdWzEBFkG\/PZjSX8Rvns3MJ8d++oYfvXuGJBxGg14+8gGPxw+ctziwRTudHXjCKnB+8xxASEd4Tpx4ex7OHTzvaA6zDvkvjd6hA8Hn4ikicxJHjYytxL0h8sJwJL0n7kutj77gX0B2+A74pYrLHCCnh1+EbSIzI49kjTB97gURLDzYjWZ5HnR+bxyi0OXxPRTBopFce2xQOPh6QkT0zZ957ZMdecBcmPJyLl9UgL+DoGk49GHgfUqwflS12rx+8okrMVHFf3HScLe884YevqVnGcu1Pek1xVif2ladUPcoZ7Fs+pMQyJZEKkye2Ye\/+PXjS1\/WdfN8NfV68sYcKITDz1PVo+c\/3DtPhE1n2q86jxT6\/79U8GMUR2iVrDjM7Lw7HQy1nhPqxnj0vlu+BDNe+KOYx9XuL\/eAJUcR+vDXnh7b1gawzYa5yB+OQJXygJ+vq3mzvm6ryTTJID43SZt70rbz\/47A7m9nXVYzp\/ikhZexNMlfeuP3h5v7zytw4872nm+L5Z\/rKXmdGMUEm5dk5nSZ+HEbkbG7ov4vu5vztorsphC0\/kREemmu9Xa36zUytV317Nrtcr3bXM0UX0hJTtj252Nfqpmt\/vTPdQ3O9685m2\/WunamrbrFol+dvL3bb7Wqptp+v27MZ\/3L3RDPfns1uV6tBd8vx2\/\/najWobjk7f7u5ucQ4X68+nc0MH2KTo4Rv8yhlzA+r+W7TXBDBH5p+095fSapJvbFhtIqE8XTFn8lyMIEnU73abSfIpk\/\/MLpfTOO63bQHVP5IHyGfgg38w2ilg+Qmo8sAB4KvvY6v05hxVbgJV1PTYVYkSu5YcU6M2K\/ms0PqqEPHPYm+kVpdzTdSqWtU6BO9E\/+xjmt1KrR+JgDM1HwwyIV8DDAllTEMiJS4wAI4PgmAooar\/itB2CWEUYDu1oy\/ZaVI2hRkLnpHjffRA7eTVQz9at5LHUNwqiIUfi8FREY6oyO6tKm12AiME5dXAGLCcRE398YXWByUJDL+p9T0c+MlQ1NwJSmjSVgcvVVSORFUabqXXlrpYrICI+HK0\/g9CmSI44s7uApbGosKCjdTllTBVaBCTmrTB2wKv8wAKQOvpsZV7hpHZzIaMZkCcztwoy9Nnn6JKHjhg2fBAOEnMp7gGROii9SxYWdQkMwkWV3goa30vplSQCAlZlYugSpD7GllKWCMDuB7cc2JKq+0t0OSU3qehpUuiaogyvCUGFGPj1Bp5qYsiMClWmpntNLsbPiXUAZ2XBqH9nwu1GUO4Odln++I9gb9wwZd0QUGhkuLnZBdSV+7Kc36BchKsG+4n85L0TfDd3PzC1YE6N3U1BKFgRi7BjVAWEvusOb6N76H2AubMUCClcZudCjeDtaWbmfpwTV7MJrSo+hKvxOztt63\/KDg3OzXDm02e6qArYPGeoHJKR1EhRU8n1TTULdUU+C5NkJQzHE76ZCkBJTRfhhtl9slDaAQmJy7HiTDbRLcOx+5dEbuq+RWISkPuR2ywB\/wvt1d\/WqLXMrtFF6WGNoB1ZDCe1ruYRdEAi9Na4Ah0jWwiajCQFqTSJZQ5S7Vn2HftOTu9pHbpmR6vFuOO4OcrKCc5atyOYNltk\/ysZEKYyft+TVV2gCVXiW1BzVyd5Pc31JtRFLB9kDF4QJ65e\/6\/fmmLcY+FJBSL7qSSvZYYAHVwC3F6L5RFUgUVCU0kmEqWCCqluVLfrN0x6A0inl5r2yg6xlL3qOFwkoD1KCrMmesMCsMwSZInrqArCjhAjnDV+B4fadyrWAFoTWLKyJUUcn7NeVOXZGbIO1ttugxJZdu6\/3we5aspe7XAtqjwC5aRpisBbfGiDWIDIsvGB6s5Y3oG1whxzZpDzVmBDFnr2rZHjDq2169oBdJyqj5m3G\/BPxvEHtD5DOwCxQDo9UY3oUg6phZmeu85GNRfai1YxXE45VtiY5x0oJoZc+2RdsYue2E11\/UKXCF6hoA67wFgv+VBTLCMtpCZo0oouHLxeeCRQqKPDoVjeIWOkNV2rKWorTuUervKFaMxcStbnvRkBupxYyVsiz8XyzMIcYmwXLUKjNtRlRdVZr9Zam5J53YOFsdveD8Bvl7uBM9bfVeDwuUi2cQbQNgYEca1FcqBtYmPB2ydV56w8pVCyhGki4iq\/ewZwJA4\/cm2omWloubtROoVO45c\/si7ILNVhetjtJ4I8RyQxn2j\/uXSg8kUDoCF8qLZglkayPLECMg8G8yPDqhGaRQzAgjf6UCHHM7SE04X6w1mKK76U9G3wHMsHEQJBZhBX87OAMsHlHv2OKgC7CquBxitATCBiBDZaYCxQ\/kISuyL2obaAmskokwn7RPstBWeu6sbA1\/EXd46IjbMgQajObPuGaGIccKYBM0nVO+FqvsC8oAtK4RCEVWHiwVSariRUORVBjZJeqaDLJv3AU1MOKYtFVBS0dppnW8bsC\/kTZE4XYnUDwGuLOhCKzlenOmHb5bEQdAW0sDEr8I0BOkHGBguS2OYanowSg9iEY6QWDqmPtkS8nocE3nHmYYpDqxoEGWmsGhBlGpoj7ZnNvisbHXJbAYclkgMYxDQ43dF2BX2KJKauz3GHLMQkJPYTDHd5FhUWpZLi\/4GXxHm\/j1bB9IOtgJL9gu9KhAGaFQXhp83N5HDsVlU7xNNoinafZX9cogwn3cdWXY1XEB5lys8T7AiALNlGQbvdhHWPNyt5+AOgukclZO7gQeXJK6cYLhH\/bgTAYqkP0nK6YhSqTFlcx8Vf3AcOzc+Sq6xem9kKHSmVcMHEwOl9Ml9HKlKXJ\/WTrjN8k1ZEpCHzFDLFnFMRJninswnfSMWkbCYKdCbgU20iPrSG5qNhdQvKkYWLZ\/hQ4FMXBJlKC9Y8g96gHvleV1r++HMgKCxB6vE1GXMOIWpaIJqtbtUZK5s45BHJmPuGz2Hvilky5TQaBif11UFfCKS7wHd8kUvGlWl\/uL1AYELwxFWRRuLcEn72sUp8zuHTAuxY7w8mXS6p5vw3cF49qC4Q4xtJBoij7l1WMNwiqv4GhxEEFNvwKZVmDUJSI2uNM1iUMn90SKRRN6JFbIugA\/4KW3XONei9UU3Ky7WL4oEvJYBCVSMCBF9XjpUEZ+YM+B7Pk5kQUjPa8i0yQvYpl9iUd86Swuv7i9Jyf+ht0nL6zYGIfFliDYiD+xDwLufah50LT3jW3pYi5OUNEGt0OlkvJ3bc60tBKiib272yeP7iwWN25fNgx65ssDmGnxtoqecOVqOn5UTL+9s2NyuyiILtSxYqlVlrUAIyFQYYQbdsjw\/WKtiUSTVeVKaIYY0FZydWFkHwBMI9Eyl7OXWez3XnYyC\/wra\/sa1ipIX7LbQ6J58bLotYhhs8QulokVYlyxAwRz6DlpxeKRuBFRGMUF4MGLgWGEYsetKsUMye7xVTZeFWtQqf3diPyT4BXhSpOSAdgHHV5yOZbDD82YdQNlRGLJl9yiLcJmsRROnFxTkjUCMGFKqibd473ADfRW9Eka62fRUF4u276zI7nkGjT0lg+Ewrc3w8w8om3BrLFWrpbFFOwytt4SnuA3wDeqAv3mmTUZlUDSHpE1Oht0qOMSHTL+cGA2Joch6JD3KmafC9OFtaMqyLMSebladisStQzE5cX+sD1kXQHNJDcW8hzopgm622x\/CS5r0rB3yQwxki3QsmytGSIZ4C6qoC6y30AsCv5zBaRQeblKg9OyeKkLBRyYVq2SJ1kgksy1Frx5icJFeVrOP7JN4hvogvT6MyD5YMXFFyRn6r4S0S8xIH2QivuNqEA2X7R5rXzUQS69LtkMyVUdzSR\/KChQr6Py9evY29e8AK+jkh9phKM\/ld\/3XzdiMvYf8I9Tn\/GP5f9fx\/JFo\/Gnu\/\/q15ysOfiYQ\/i73+9\/6y7zK3+xd79Nf67ol9fx9t55BI4hrsfnYZt1OUDpbtqz2fWq77bt3WHLarc9m9FRxbptFrPzt2+uy3uOnK9tts38I527tHMqXRn\/8bpZtv1s4in8QV\/xGHjxVZj6xrbb9u3s\/Lv2sl0u3r65CmNqdv34oR7fm52\/7bupP+jt7Pzb3brbLDoQu3n7pu\/oy+dvN9fNAe0f28+yLPOz2fDL7PxtN3FIc\/72TXf+5+6m29D7Xqn5ql\/t1u1CXXxWc26xfPuGXn5++ljz7affG+3vu+2mW7Q49MIRkWrWbTMa5c2uf9bifEd1RPdWZfJc7ndXac9I29XlJZ1coTRpI5\/fnM0+dG2\/EBa8XrebTbvYT+7olA82bX\/O9kw6u+XHchi+uWromb5bto\/TXnpfn0j91\/zYH0L3mOzFavs41VIV9kSi33VbFKyMaAZfPRDm+Wq5XdMJ+xRrz7f9sc91Pzv\/CzFw4d2H39q0l79zbo+HZ48cH2\/a7dkMcnK3JGZ6Nf79atW3at1edlTvcNLh9NTb7eHb5fSWqzOe\/Vp35LUPy01fMIg\/Mgjaw17w3nDkvdIWdI\/PRI3JP6zsxbiMlf+BYVuuti0Vim13QEBsCHPQ\/smaAbXl9k\/RDOq\/8fqoxWpouuV\/f63+0q03W923N22vFr+rxdVmpZZtd3l1sdqtN2rRffjQrl+r75rhol1vVXPbDbvtVdOr9pdd02tSya\/VT1QWoy6atSIGUw1XKlAbyLpVqw\/4bWiuX8PMPpCrbXc9WRdQ6lGwDP8f\"><figcaption class=\"nx-fk-cap\"><span>The jurisdictions that hold authority over this question: countries, their first-level divisions and capitals.<\/span><span data-honesty=\"true\">Boundaries as drawn by Natural Earth; no position on disputed areas.<\/span><\/figcaption><\/figure><div class=\"nx-live-slot nx-live-slot--map\" data-nxf-slot=\"map\" data-nxf-kind=\"map\" data-nxf-resource=\"nexus:\/\/grf\/R05\/topics\/resilience-finance-governance\/#map\" data-nxf-title=\"Capital Nexus live map\" data-nxf-height=\"560\" hidden><\/div><div class=\"nx-map-hud\"><span class=\"nx-eyebrow\">GRF \u00b7 Capital Nexus \u00b7 field<\/span><span class=\"nx-eyebrow nx-map-hud-right\">DESIGN FIGURE<\/span><\/div><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-question\" class=\"nx-section\" data-hue=\"finance\" 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\">03<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">The question<\/span><\/div><h2 id=\"nx-s-4\" class=\"nx-section-title\">Resilience finance governance: how the risk develops.<\/h2><p class=\"nx-lede\">Risk evidence and decision rights. The dossier below sets out how the risk develops, what is measured, where the data come from, how it is modelled and who decides.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-cells\" data-cols=\"2\"><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"m12.83 2.18a2 2 0 0 0-1.66 0L2.6 6.08a1 1 0 0 0 0 1.83l8.58 3.91a2 2 0 0 0 1.66 0l8.58-3.9a1 1 0 0 0 0-1.83Z\"\/><path d=\"m22 17.65-9.17 4.16a2 2 0 0 1-1.66 0L2 17.65\"\/><path d=\"m22 12.65-9.17 4.16a2 2 0 0 1-1.66 0L2 12.65\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Layering risk<\/h3><p class=\"nx-p nx-mt-1\">Frequent small losses are retained in budgets and reserves, rarer larger ones transferred through contingent credit, insurance pools or bonds. The layers only work when their attachment points are set from evidence and written into law or contract.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M5 22h14\"\/><path d=\"M5 2h14\"\/><path d=\"M17 22v-4.172a2 2 0 0 0-.586-1.414L12 12l-4.414 4.414A2 2 0 0 0 7 17.828V22\"\/><path d=\"M7 2v4.172a2 2 0 0 0 .586 1.414L12 12l4.414-4.414A2 2 0 0 0 17 6.172V2\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Triggers decide speed<\/h3><p class=\"nx-p nx-mt-1\">Parametric triggers pay on a measured hazard and are fast but carry basis risk; indemnity triggers pay on assessed loss and are slower. The choice is a trade between speed, accuracy and who bears the gap.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><circle cx=\"12\" cy=\"4.5\" r=\"2.5\"\/><path d=\"m10.2 6.3-3.9 3.9\"\/><circle cx=\"4.5\" cy=\"12\" r=\"2.5\"\/><path d=\"M7 12h10\"\/><circle cx=\"19.5\" cy=\"12\" r=\"2.5\"\/><path d=\"m13.8 17.7 3.9-3.9\"\/><circle cx=\"12\" cy=\"19.5\" r=\"2.5\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Shocks become fiscal stress<\/h3><p class=\"nx-p nx-mt-1\">Disasters raise spending and cut revenue at once. Without pre-arranged finance, reallocation and emergency borrowing follow, and a physical shock can become a debt sustainability problem.<\/p><\/div><div><div class=\"nx-glyph-row\"><span class=\"nx-glyph\" data-tone=\"accent\"><svg class=\"nx-i\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"m14.5 12.5-8 8a2.119 2.119 0 1 1-3-3l8-8\"\/><path d=\"m16 16 6-6\"\/><path d=\"m8 8 6-6\"\/><path d=\"m9 7 8 8\"\/><path d=\"m21 11-8-8\"\/><\/svg><\/span><span class=\"nx-eyebrow\">Mechanism<\/span><\/div><h3 class=\"nx-h4 nx-mt-2\">Decision rights must be clear<\/h3><p class=\"nx-p nx-mt-1\">Release of contingent funds needs a named authority, a declared procedure and an audit trail. Ambiguity delays payouts and invites discretion that later reviews cannot reconstruct.<\/p><\/div><\/div><\/div><\/div><\/section><section id=\"nx-sec-terms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-5\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">04<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Key terms<\/span><\/div><h2 id=\"nx-s-5\" class=\"nx-section-title\">Terms used on this page.<\/h2><p class=\"nx-lede\">Each term as this page uses it. Where a standard-setting body defines the term, the wording follows that body.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Term<\/th><th scope=\"col\">Definition<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Term\">Risk layering<\/td><td data-label=\"Definition\">Matching financing instruments to risk by frequency and severity, from reserves for frequent events to insurance for rare ones.<\/td><\/tr><tr><td data-label=\"Term\">Climate resilient debt clause<\/td><td data-label=\"Definition\">A clause that lets a borrower defer debt service after a qualifying disaster.<\/td><\/tr><tr><td data-label=\"Term\">Contingent credit<\/td><td data-label=\"Definition\">A credit line agreed in advance that can be drawn when a trigger such as a disaster declaration occurs.<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-indicators\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"band\" aria-labelledby=\"nx-s-6\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">05<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Indicators<\/span><\/div><h2 id=\"nx-s-6\" class=\"nx-section-title\">What is measured, and how well.<\/h2><p class=\"nx-lede\">Each indicator carries its unit, its cadence, the kind of source behind it and the evidence label a value would carry. No values are shown: a programme supplies them under its own authority.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Indicator<\/th><th scope=\"col\">Unit<\/th><th scope=\"col\">Cadence<\/th><th scope=\"col\">Source type<\/th><th scope=\"col\">Label<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Indicator\">Pre-arranged disaster finance coverage<\/td><td data-label=\"Unit\">percent of modelled annual expected loss<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Disaster risk finance diagnostics<\/td><td data-label=\"Label\"><span class=\"nx-chip\">MODELLED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Contingency reserve balance<\/td><td data-label=\"Unit\">percent of general government expenditure<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Budget documents<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Contingent credit lines in force<\/td><td data-label=\"Unit\">national currency or US dollars<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Treasury and multilateral records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">OFFICIAL<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Sovereign debt with climate resilient debt clauses<\/td><td data-label=\"Unit\">percent of eligible stock<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Debt office records, lender term sheets<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Time from trigger to disbursement<\/td><td data-label=\"Unit\">days<\/td><td data-label=\"Cadence\">per event<\/td><td data-label=\"Source type\">Treasury and risk pool records<\/td><td data-label=\"Label\"><span class=\"nx-chip\">REPORTED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Disaster-related contingent liabilities disclosed in the fiscal risk statement<\/td><td data-label=\"Unit\">categories disclosed (yes or no by category)<\/td><td data-label=\"Cadence\">annual<\/td><td data-label=\"Source type\">Fiscal risk statement<\/td><td data-label=\"Label\"><span class=\"nx-chip\">DECLARED<\/span><\/td><\/tr><tr><td data-label=\"Indicator\">Basis risk incidence of parametric covers<\/td><td data-label=\"Unit\">count of events with payout mismatch<\/td><td data-label=\"Cadence\">per event<\/td><td data-label=\"Source type\">Risk pool reports and post-event reviews<\/td><td data-label=\"Label\"><span class=\"nx-chip\">ESTIMATED<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"indicators\" data-nxf-kind=\"indicator\" data-nxf-resource=\"nexus:\/\/grf\/R05\/topics\/resilience-finance-governance\/#indicators\" data-nxf-title=\"Indicators\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-pipeline\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-7\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">06<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Canvas<\/span><\/div><h2 id=\"nx-s-7\" class=\"nx-section-title\">From sources to decisions.<\/h2><p class=\"nx-lede\">The topic as a computational graph: named sources feed the methods, an evidence review gates the outputs, and the decisions stay with the authorities that hold them.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-plate\" data-wide=\"true\"><div class=\"nx-plate-label\"><span class=\"nx-eyebrow\"><strong>Pipeline canvas<\/strong> \u00b7 Resilience finance governance as a run graph<\/span><span class=\"nx-eyebrow\">Design, not a record<\/span><\/div><div class=\"nx-figure-frame\" data-scene=\"true\"><svg class=\"nx-figure nx-ui nx-dag\" viewBox=\"0 0 1200 564\" data-nx-dag=\"true\" data-w=\"1200\" data-h=\"564\" role=\"img\" aria-labelledby=\"nx-dag-r05-topics-resilience-finance-governance--t nx-dag-r05-topics-resilience-finance-governance--d\" data-nx-z=\"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\"><title id=\"nx-dag-r05-topics-resilience-finance-governance--t\">Resilience finance governance: deliberation to decision<\/title><desc id=\"nx-dag-r05-topics-resilience-finance-governance--d\">A question is framed with its owner, an independent evidence brief is prepared, positions are heard, options with trade-offs are drafted, a recommendation is made with reasons and the mandate holder decides; follow-up is tracked. Design of the process, not a record of a run.<\/desc><\/svg><\/div><\/div><p class=\"nx-caption\"><strong>Fig. 02<\/strong><span>Nodes carry their type, two metric rows and a state; connectors show what feeds what; dashed frames name the owners; the timeline is the cadence. Design of the pipeline, not a record of a run.<\/span><\/p><\/div><\/div><\/section><section id=\"nx-sec-sources\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-8\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">07<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Sources<\/span><\/div><h2 id=\"nx-s-8\" class=\"nx-section-title\">Where the evidence comes from.<\/h2><p class=\"nx-lede\">Named public datasets and institutional records, each with its licence class. Sources by agreement are used only under their terms and never republished.<\/p><\/div><div class=\"nx-section-body\" data-lv=\"register\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Source<\/th><th scope=\"col\">What it gives<\/th><th scope=\"col\">Licence class<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Source\">IMF Fiscal Monitor and Fiscal Transparency Evaluations<\/td><td data-label=\"What it gives\">Fiscal risk practice, contingent liability disclosure and fiscal responses to shocks<\/td><td data-label=\"Licence class\">Free, IMF copyright and usage terms<\/td><\/tr><tr><td data-label=\"Source\">World Bank disaster risk finance diagnostics and Cat DDO documents<\/td><td data-label=\"What it gives\">Country reviews of risk layering and contingent credit design<\/td><td data-label=\"Licence class\">CC BY 3.0 IGO<\/td><\/tr><tr><td data-label=\"Source\">Sendai Framework Monitor (UNDRR)<\/td><td data-label=\"What it gives\">Reported disaster losses and progress on national risk reduction targets<\/td><td data-label=\"Licence class\">Public, UN terms of use<\/td><\/tr><tr><td data-label=\"Source\">Regional risk pool reports (CCRIF SPC, African Risk Capacity, PCRIC)<\/td><td data-label=\"What it gives\">Policy terms, trigger design and payout histories<\/td><td data-label=\"Licence class\">Public reports, terms per pool<\/td><\/tr><tr><td data-label=\"Source\">EM-DAT international disaster database (CRED)<\/td><td data-label=\"What it gives\">Event-level records of disasters and reported impacts<\/td><td data-label=\"Licence class\">Free for non-commercial use, registration<\/td><\/tr><tr><td data-label=\"Source\">National budget laws and fiscal risk statements<\/td><td data-label=\"What it gives\">Contingency rules, reserve mandates and release procedures<\/td><td data-label=\"Licence class\">Public records, terms per government<\/td><\/tr><\/tbody><\/table><\/div><div class=\"nx-live-slot\" data-nxf-slot=\"evidence\" data-nxf-kind=\"evidence\" data-nxf-resource=\"nexus:\/\/grf\/R05\/topics\/resilience-finance-governance\/#evidence\" data-nxf-title=\"Sources\" data-nxf-height=\"520\" hidden><\/div><\/div><\/div><\/section><section id=\"nx-sec-decisions\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-9\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">08<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Decisions<\/span><\/div><h2 id=\"nx-s-9\" class=\"nx-section-title\">Who decides, and what the evidence serves.<\/h2><p class=\"nx-lede\">Capital Nexus prepares evidence. The decisions below are taken by the authorities named, under their own rules, and never by the platform.<\/p><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Who decides<\/th><th scope=\"col\">The question<\/th><th scope=\"col\">Evidence this page serves<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Who decides\">Finance ministries and debt management offices<\/td><td data-label=\"The question\">Which layers of disaster risk to retain, transfer or pre-finance, and at what cost<\/td><td data-label=\"Evidence this page serves\">Risk layering evidence, instrument terms and fiscal risk disclosures kept separate by layer<\/td><\/tr><tr><td data-label=\"Who decides\">Parliaments<\/td><td data-label=\"The question\">Whether contingency rules and release authority are set in law and subject to scrutiny<\/td><td data-label=\"Evidence this page serves\">Budget law provisions, release procedures and audit coverage<\/td><\/tr><tr><td data-label=\"Who decides\">Boards of regional risk pools and multilateral lenders<\/td><td data-label=\"The question\">How triggers, pricing and contingent credit terms should be designed<\/td><td data-label=\"Evidence this page serves\">Payout histories, basis risk reviews and post-event assessments<\/td><\/tr><tr><td data-label=\"Who decides\">Bilateral and private creditors<\/td><td data-label=\"The question\">Whether to offer and accept payment pause clauses after defined shocks<\/td><td data-label=\"Evidence this page serves\">Clause terms, trigger definitions and sovereign debt composition<\/td><\/tr><\/tbody><\/table><\/div><h3 class=\"nx-h4 nx-mt-4\">Outputs this topic produces<\/h3><ul class=\"nx-list\"><li>Decision-rights maps for each pre-arranged instrument, from trigger to audit<\/li><li>Dialogue briefs on risk layering and the fiscal rules that hold it<\/li><li>Question sets for basis risk and post-event review<\/li><li>Comparative notes on climate resilient debt clauses<\/li><\/ul><\/div><\/div><\/section><section id=\"nx-sec-core-questions\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"band\" aria-labelledby=\"nx-s-10\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">09<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Core questions<\/span><\/div><h2 id=\"nx-s-10\" class=\"nx-section-title\">What experts ask.<\/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\">Who decides to finance risk reduction?<\/h3><p class=\"nx-p nx-mt-1\">Which institutions hold authority over prevention, preparedness and recovery spending.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">02<\/span><div><h3 class=\"nx-h4\">What evidence do they use?<\/h3><p class=\"nx-p nx-mt-1\">How hazard, exposure and loss data inform financial decisions, and where they are missing.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">03<\/span><div><h3 class=\"nx-h4\">How is financing layered?<\/h3><p class=\"nx-p nx-mt-1\">How budgets, reserves, contingent credit and insurance combine for events of different size.<\/p><\/div><\/li><li><span class=\"nx-eyebrow nx-index\">04<\/span><div><h3 class=\"nx-h4\">Who is accountable for use?<\/h3><p class=\"nx-p nx-mt-1\">How pre-arranged funds are released, spent and reported.<\/p><\/div><\/li><\/ol><\/div><\/div><\/section><section id=\"nx-sec-mechanisms\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" data-variant=\"band\" aria-labelledby=\"nx-s-11\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">10<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Mechanisms<\/span><\/div><h2 id=\"nx-s-11\" class=\"nx-section-title\">What drives the issue.<\/h2><\/div><div class=\"nx-section-body\"><p class=\"nx-p\">Ex-post financing is slow and uncertain. After a disaster, governments reallocate budgets, borrow or appeal for aid, and delays raise human and economic costs. Pre-arranged financing, agreed before events with clear rules, can speed response but requires governance in advance.<\/p><p class=\"nx-p\">Evidence and decision rights are often separated. Scientific agencies hold hazard data, finance ministries hold budgets, and line ministries hold implementation. Without agreed processes, evidence does not shape spending.<\/p><p class=\"nx-p\">Layering matches instruments to risk. Frequent small events are better met from budgets and reserves; rare large events may warrant risk transfer. Choosing the mix is a governance decision with fiscal consequences.<\/p><p class=\"nx-p\">Trust depends on transparency. Clear rules for when and how funds are released, and published reporting on their use, sustain support for pre-arranged mechanisms.<\/p><\/div><\/div><\/section><section id=\"nx-sec-methods-and-limits\" class=\"nx-section\" data-hue=\"finance\" data-variant=\"split\" aria-labelledby=\"nx-s-12\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">11<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods and limits<\/span><\/div><h2 id=\"nx-s-12\" class=\"nx-section-title\">How evidence is gathered, and where it stops.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-table-wrap\"><table class=\"nx-table\" data-stack=\"true\"><thead><tr><th scope=\"col\">Method or data<\/th><th scope=\"col\">What it shows<\/th><th scope=\"col\">Its limit<\/th><\/tr><\/thead><tbody><tr><td data-label=\"Method or data\">Fiscal risk analysis<\/td><td data-label=\"What it shows\">Budget exposure to disasters<\/td><td data-label=\"Its limit\">Depends on loss data quality<\/td><\/tr><tr><td data-label=\"Method or data\">Comparative institutional review<\/td><td data-label=\"What it shows\">How countries organize decisions<\/td><td data-label=\"Its limit\">Context-specific<\/td><\/tr><tr><td data-label=\"Method or data\">Post-event reviews<\/td><td data-label=\"What it shows\">Speed and use of financing<\/td><td data-label=\"Its limit\">Hindsight bias<\/td><\/tr><tr><td data-label=\"Method or data\">Scenario dialogue<\/td><td data-label=\"What it shows\">How institutions would act<\/td><td data-label=\"Its limit\">Stated behaviour may differ from actual<\/td><\/tr><\/tbody><\/table><\/div><\/div><\/div><\/section><section id=\"nx-sec-methods\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-13\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">12<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Methods<\/span><\/div><h2 id=\"nx-s-13\" class=\"nx-section-title\">How it is studied, and what the methods cannot say.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-methods\" data-limits=\"true\"><ol class=\"nx-mledger\" aria-label=\"Methods\"><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskforum.com\/capital\/stem\/policy-science\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">01<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Policy, institutional and decision science<\/span><span class=\"nx-mledger-role\">Mandate and decision-rights mapping \u00b7 Institutional assessment synthesis<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/science\/policy-science\/\" aria-label=\"Policy, institutional and decision science: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskforum.com\/capital\/stem\/financial-economics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">02<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Financial economics and macro-finance<\/span><span class=\"nx-mledger-role\">Debt sustainability under stress \u00b7 The sovereign and bank feedback loop<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/science\/financial-economics\/\" aria-label=\"Financial economics and macro-finance: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><li><a class=\"nx-mledger-main\" href=\"https:\/\/globalriskforum.com\/capital\/stem\/economics\/\"><span class=\"nx-mledger-n\" aria-hidden=\"true\">03<\/span><span class=\"nx-mledger-body\"><span class=\"nx-mledger-name\">Economics and development economics<\/span><span class=\"nx-mledger-role\">Appraisal of public investment \u00b7 Fiscal incidence of policy choices \u00b7 Indirect costs of shocks<\/span><\/span><span class=\"nx-mledger-go\"><span class=\"nx-mledger-go-label\">Applied here<\/span><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><div class=\"nx-mledger-aside\"><a class=\"nx-mledger-canon\" href=\"https:\/\/therisk.global\/stem\/science\/economics\/\" aria-label=\"Economics and development economics: canonical page on the STEM Commons\" target=\"_blank\" rel=\"noopener\">Canonical \u00b7 STEM Commons <span aria-hidden=\"true\">\u2197<\/span><\/a><\/div><\/li><\/ol><aside class=\"nx-limits\" aria-label=\"What the methods cannot say\"><span class=\"nx-eyebrow\">What the methods cannot say<\/span><p class=\"nx-limits-text\">Expected loss estimates come from catastrophe models with wide uncertainty, especially for compound and rare events. Payout and trigger records are public for some pools and not for others. Disaster loss databases depend on reporting that varies across countries and decades. Capital Nexus does not price risk, design instruments or advise on placement; it sets out governance evidence for the institutions that hold those decisions.<\/p><\/aside><\/div><\/div><\/div><\/section><section id=\"nx-s-14-sec\" class=\"nx-section\" data-hue=\"finance\" aria-labelledby=\"nx-s-14\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">13<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Connected<\/span><\/div><h2 id=\"nx-s-14\" class=\"nx-section-title\">Where this page leads across the Consortium.<\/h2><\/div><div class=\"nx-section-body\"><ul class=\"nx-dest\"><li><a class=\"nx-dest-card\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/topics\/disaster-finance-governance\/\" target=\"_blank\" rel=\"noopener\"><span class=\"nx-dest-top\"><span class=\"nx-dest-rel\">Related topic<\/span><span class=\"nx-dest-host\">GRA<\/span><\/span><span class=\"nx-dest-title\">Disaster finance governance<\/span><span class=\"nx-dest-why\">Institutional dialogue is distinct from financial readiness and execution.<\/span><span class=\"nx-dest-go\" aria-hidden=\"true\"><svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/span><\/a><\/li><\/ul><\/div><\/div><\/section><section id=\"nx-s-15-sec\" class=\"nx-section\" data-hue=\"finance\" data-tone=\"alt\" aria-labelledby=\"nx-s-15\"><div class=\"nx-container\"><div class=\"nx-section-head\"><div class=\"nx-eyebrow-row\"><span class=\"nx-eyebrow\">14<\/span><span class=\"nx-rule\" aria-hidden=\"true\"><\/span><span class=\"nx-eyebrow\">Questions<\/span><\/div><h2 id=\"nx-s-15\" class=\"nx-section-title\">Questions and answers.<\/h2><\/div><div class=\"nx-section-body\"><div class=\"nx-faq\"><details><summary>What is a climate resilient debt clause?<\/summary><div class=\"nx-answer\">A contractual term that lets a borrower defer debt service for a defined period after a qualifying shock, such as a major hurricane, under triggers set in the contract. Its value depends on trigger design and on how widely creditors adopt it.<\/div><\/details><details><summary>What is basis risk?<\/summary><div class=\"nx-answer\">The gap between what a parametric cover pays and the loss actually suffered. A trigger can fire when losses are small or fail to fire when they are large, and the government carries that gap.<\/div><\/details><details><summary>Why do decision rights matter as much as money?<\/summary><div class=\"nx-answer\">Funds that exist but cannot be released quickly, or whose release is contested, do not protect people. Clear authority, procedure and audit are part of the instrument.<\/div><\/details><details><summary>Does Capital Nexus recommend insurance or bonds?<\/summary><div class=\"nx-answer\">No. It describes how instruments allocate risk and decision rights. Choices belong to ministries, parliaments and the boards of the institutions concerned.<\/div><\/details><details><summary>Does Capital Nexus design financing instruments?<\/summary><div class=\"nx-answer\">No. It convenes dialogue on governance. Instrument design and decisions belong to governments and their financial counterparts.<\/div><\/details><details><summary>Why does pre-arranged financing need governance in advance?<\/summary><div class=\"nx-answer\">Because release rules, accountability and reporting must be agreed before an event, when there is time to deliberate.<\/div><\/details><details><summary>Who examines the financial industry side?<\/summary><div class=\"nx-answer\">The Global Risks Alliance (GRA), on <a class=\"nx-link\" href=\"https:\/\/globalriskalliance.com\/disaster-risk-finance\/\" target=\"_blank\" rel=\"noopener\">Disaster Risk Finance<\/a>, as shared industry research without advice or arrangement.<\/div><\/details><\/div><\/div><\/div><\/section><section class=\"nx-section\" data-tone=\"alt\" aria-labelledby=\"nx-rel-16\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Related<\/span><h2 id=\"nx-rel-16\" class=\"nx-h3 nx-mt-2\">Around Capital Nexus.<\/h2><nav class=\"nx-related nx-mt-3\" aria-label=\"Related\"><a href=\"https:\/\/globalriskforum.com\/capital\/topics\/public-purpose-capital\/\">Public purpose capital <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskforum.com\/capital\/topics\/development-capital-policy\/\">Development capital policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskforum.com\/capital\/topics\/climate-and-nature-finance-policy\/\">Climate and nature finance policy <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskforum.com\/capital\/topics\/investment-governance\/\">Investment governance <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskforum.com\/capital\/topics\/finance-and-inequality\/\">Finance and inequality <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskforum.com\/capital\/topics\/country-capital-readiness\/\">Country capital readiness <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskforum.com\/capital\/\">Capital Nexus home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskforum.com\/capital\/counterparts\/\">Counterparts across the Consortium <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskforum.com\/\">The Global Risks Forum home <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a href=\"https:\/\/globalriskforum.com\/trust\/\">GRF governance and trust <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><\/nav><\/div><\/section><section class=\"nx-closing\" aria-labelledby=\"nx-close-17\"><div class=\"nx-container\"><span class=\"nx-eyebrow\">Capital Nexus<\/span><h2 id=\"nx-close-17\" class=\"nx-section-title\">Bring your expertise to this field.<\/h2><p class=\"nx-lede\">The current service level is R0: information and enquiries. An enquiry receives a reference and names the next step; applications, payments, compute allocations and registrations open only when their team, terms and review capacity exist.<\/p><div class=\"nx-actions\"><a class=\"nx-btn\" data-variant=\"primary\" href=\"mailto:contact@globalriskforum.com?subject=Capital%20Nexus%3A%20Resilience%20finance%20governance\">Write to the team <svg class=\"nx-arrow\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M3 8h10M9 4l4 4-4 4\"\/><\/svg><\/a><a class=\"nx-btn\" data-variant=\"secondary\" href=\"https:\/\/globalriskforum.com\/capital\/contact\/\">See all contact routes<\/a><\/div><\/div><\/section><\/div><\/div><script class=\"_iub_cs_skip\">window.__nxMount ? window.__nxMount(document.currentScript) : null;<\/script>\n\n\n<script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/globalriskforum.com\/capital\/topics\/resilience-finance-governance\/#faq\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskforum.com\/capital\/topics\/resilience-finance-governance\/#webpage\"},\"inLanguage\":\"en\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is a climate resilient debt clause?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A contractual term that lets a borrower defer debt service for a defined period after a qualifying shock, such as a major hurricane, under triggers set in the contract. Its value depends on trigger design and on how widely creditors adopt it.\"}},{\"@type\":\"Question\",\"name\":\"What is basis risk?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The gap between what a parametric cover pays and the loss actually suffered. A trigger can fire when losses are small or fail to fire when they are large, and the government carries that gap.\"}},{\"@type\":\"Question\",\"name\":\"Why do decision rights matter as much as money?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Funds that exist but cannot be released quickly, or whose release is contested, do not protect people. Clear authority, procedure and audit are part of the instrument.\"}},{\"@type\":\"Question\",\"name\":\"Does Capital Nexus recommend insurance or bonds?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. It describes how instruments allocate risk and decision rights. Choices belong to ministries, parliaments and the boards of the institutions concerned.\"}},{\"@type\":\"Question\",\"name\":\"Does Capital Nexus design financing instruments?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. It convenes dialogue on governance. Instrument design and decisions belong to governments and their financial counterparts.\"}},{\"@type\":\"Question\",\"name\":\"Why does pre-arranged financing need governance in advance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Because release rules, accountability and reporting must be agreed before an event, when there is time to deliberate.\"}},{\"@type\":\"Question\",\"name\":\"Who examines the financial industry side?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The Global Risks Alliance (GRA), on Disaster Risk Finance , as shared industry research without advice or arrangement.\"}}]},{\"@type\":\"DefinedTermSet\",\"@id\":\"https:\/\/globalriskforum.com\/capital\/topics\/resilience-finance-governance\/#terms\",\"name\":\"Key terms: Resilience finance governance\",\"inLanguage\":\"en\",\"isPartOf\":{\"@id\":\"https:\/\/globalriskforum.com\/capital\/topics\/resilience-finance-governance\/#webpage\"},\"hasDefinedTerm\":[{\"@type\":\"DefinedTerm\",\"name\":\"Risk layering\",\"description\":\"Matching financing instruments to risk by frequency and severity, from reserves for frequent events to insurance for rare ones.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskforum.com\/capital\/topics\/resilience-finance-governance\/#terms\"}},{\"@type\":\"DefinedTerm\",\"name\":\"Climate resilient debt clause\",\"description\":\"A clause that lets a borrower defer debt service after a qualifying disaster.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskforum.com\/capital\/topics\/resilience-finance-governance\/#terms\"}},{\"@type\":\"DefinedTerm\",\"name\":\"Contingent credit\",\"description\":\"A credit line agreed in advance that can be drawn when a trigger such as a disaster declaration occurs.\",\"inDefinedTermSet\":{\"@id\":\"https:\/\/globalriskforum.com\/capital\/topics\/resilience-finance-governance\/#terms\"}}]}]}<\/script>\n\n<!-- nx-rev:82c318cc95305d58 -->","protected":false},"excerpt":{"rendered":"<p>LightDarkAuto R05 \u00b7 TOPIC \u00b7 resilience-finance-governancGRF dossier \u00b7 service level R0 GRF\u00b7Capital Nexus\u00b7Established Topic dossier \u00b7 Capital Nexus Resilience finance governance Resilience finance is the set of arrangements a state &hellip; <a href=\"https:\/\/globalriskforum.com\/capital\/topics\/resilience-finance-governance\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Resilience finance governance&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":17571,"menu_order":189,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","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":"","footnotes":""},"class_list":["post-17591","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/globalriskforum.com\/capital\/wp-json\/wp\/v2\/pages\/17591","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/globalriskforum.com\/capital\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/globalriskforum.com\/capital\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/globalriskforum.com\/capital\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/globalriskforum.com\/capital\/wp-json\/wp\/v2\/comments?post=17591"}],"version-history":[{"count":1,"href":"https:\/\/globalriskforum.com\/capital\/wp-json\/wp\/v2\/pages\/17591\/revisions"}],"predecessor-version":[{"id":17674,"href":"https:\/\/globalriskforum.com\/capital\/wp-json\/wp\/v2\/pages\/17591\/revisions\/17674"}],"up":[{"embeddable":true,"href":"https:\/\/globalriskforum.com\/capital\/wp-json\/wp\/v2\/pages\/17571"}],"wp:attachment":[{"href":"https:\/\/globalriskforum.com\/capital\/wp-json\/wp\/v2\/media?parent=17591"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}