Good morning, good evening, wherever you are, Matthew Grant here.

Now, it's been an exciting week for us here in London with our first Risk Manager event

this Tuesday and the usual lively crowd, of course, but also some more fascinating companies on stage

talking about problems such as riots, people, food, sustainable buildings and cloud computing.

You're going to be hearing a lot more of must about that risk management space as corporate

start to discover how insurers have been assessing risks and the tools they've been using.

But today, we've got a short episode

for you. So if you're listening to this out on your run, bike, or commuting, you have to keep on

going on us today. But normal service is back next week. Short but good. We're all hearing about

carbon emissions, carbon credits, and the transition to net zero. But what does that mean? And what

other risks in all this? Well,

we've had a lot of demand for our report on this, which was released last Thursday.

Alex Medi led the research on that and is about to reveal to you what it's all about.

Now, the report is available on the website, www.com. It's free and you'll find a direct link

in the episode notes.

Allie, we're back doing this old style face-to-face in the office and the morning after our event last night with risk managers and you were on stage with Provisico and Liberty. It looked really good from the audience,

but how do you find it being up there on stage? Yeah, it was a great event and I think really,

really good speakers, interesting topics. It's always great as well to have sustainability as a

big theme spoken about. So yeah, really, really enjoyed it. Good. Well, you've kindly offered to be

our guest today. So just as usual, I want to

make sure people know who you are. I'm sure you've heard your voice before, but you are Ali Smedley,

your senior research analyst in Steck. And you studied on a geography-based degree at university,

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