Across the globe, the last 12 months have seen increased instability, driven by myriad factors, including deepening geopolitical rivalries and conflicts, diverging economic fortunes, and the growing impacts of climate change and artificial intelligence (AI). All of this follows a period when the pandemic accelerated the importance of digitalization, driving wide-scale transformation, which still needs to be completed in many cases. Year-over-year, the range and depth of risks are accelerating