cannot avoid having heavy fossilfuel cannot avoid having heavy fossil fuel leading companies companywide not there. scrutiny is good, discussion is good, the more people involved in taking action and engaging in climate change is by far the better. the more private sector engagement in this issue is better than what we saw 10, 20, 30 years ago when it was a very governmental driven process. if we go back, at cop27 a loss and damage fund was agreed upon for richer countries to pay the poorer countries which were suffering the impacts of climate change. how do you see that working out, because that has been run of the numerous sticking points? the private sector needs to get far more engaged in discussion around adaptation finance too. loss and damage just one element that is going to help more resilient society. insurance needs to be more engaged, project developments, fiancing and constructing. particularly in asia, as it urbanises and develops economies quite quickly. climat