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Brazilian Leaders Meet to Strengthen Cyber Resilience at Global Risk Meeting

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Brazilian Leaders Meet to Strengthen Cyber Resilience at Global Risk Meeting

On September 5 and 6, Sao Paulo will host the 17th edition of the Global Risk Meeting, an event organized by the Daryus Group, a reference in consulting and education in the areas of information security, cybersecurity, business continuity and risk management. Inspired by the work “A Divine Comedy” by Dante Alighieri, the meeting promises a journey of insights that goes from corporate governance to the implementation of robust solutions for compliance and digital security.

The event will be attended by renowned experts, including Jeferson D’Addario, CEO of the Daryus Group, Claudio Dodt, managing partner of Daryus Consulting, Rodrigo Antao, member of the Statutory Committee on Risks at NUCLEA, Rogerio Reis, Managing Partner at SAFONT REIS Cybersecurity Advisors, and Matheus Garcia, Head of StartSe Consulting for Technology, AI and Digital. In addition, other prominent professionals will share their experiences and knowledge in real cases, offering a practical view on secure digital transformation.

Jeferson D’Addario highlights the importance of preparing business leaders for cybersecurity challenges. “With the alarming rise of cybercrime and data breaches, our mission is to empower executives and entrepreneurs to address these risks more securely. Through an immersive and dynamic approach, we offer tools and solutions that enable participants to enhance their management and cybersecurity skills by effectively applying them to protect their companies and those of their” clients.

The Global Risk Meeting 2024 will be divided into four actsIllusion, Inferno, Purgatory and Paradise ONE designed to deepen knowledge and strengthen the skills necessary for success in business.With more than 20 hours of exclusive content, participants will have the opportunity to explore a wide range of topics relevant to the current corporate landscape.

During the event, dynamics and case presentations will show how companies from various sectors have overcome complex challenges in cybersecurity, risk management and digital transformation.Question and answer sessions with expert mentors will provide a space to ask specific questions and acquire valuable insights directly from those on the front lines of the market.

“The dynamics will connect theory to practice. Market leaders and renowned experts with over 20 years of experience in Governance, Cybersecurity and Risk Management and Business Continuity will immerse themselves in practical and interactive content with collaborative activities focused on real business needs. Participants will have the opportunity to simulate the deployment of solutions in real time, based on best practices and global trends, allowing the learning and real application of” strategies, explains D’Addario.

In addition to personalized mentoring, participants will have access to validated frameworks, management models and cutting-edge technological solutions, successfully applied by large companies. These resources will be delivered in a practical way, ready to be adapted to the context of the participants, accelerating the implementation of improvements in their organizations.

Participants will also have exclusive access to the CYBER 360 Report, a study that offers an analysis of emerging threats and protection measures used by Brazilian companies, with the collaboration of more than 160 cybersecurity professionals.

The 17th edition of the Global Risk Meeting 2024 will be held at the Renaissance Sao Paulo Hotel, from 8:30 to 18:30, and is sponsored by Akamai, Security First, AIQON, Syxsense, Netwrix, Rentsolution and Next Level Code.

Service:

The 17th edition of the Global Risk Meeting

  • Date: 05 And 06 september
  • Schedule: from 8h30 to 18h30
  • Location: Renaissance Sao Paulo Hotel & Spa 2233 2233 (2233 2.
  • Website: globalriskmeeting.com.br

Magis5 is among the fastest growing technology companies in Brazil in the last year

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Magis5 is among the fastest growing technology companies in Brazil in the last year

Magis5 was awarded as one of the technology companies with the highest growth in revenue in the last year.The company, which acts as a hub automating and integrating e-commerces with major players such as Magazine Luiza and Shopee, is listed in the “Exame Business Expansion 2024” ranking, an initiative carried out in partnership with BTG Pactual.

The ranking is a way to recognize companies that stood out for their efficient management, ability to identify opportunities, new strategies and resilience in a challenging year. These factors allowed companies to advance in the market, even in an uncertain scenario, raising their business to a new level. This year, 335 companies from 22 states, representing all regions of Brazil, were highlighted in a list that celebrates entrepreneurship in the country. 

They were selected based on the evolution of Net Operating Revenue (NOR) from one year to the next, being better positioned those with higher growth.For this analysis, the companies sent documents such as the Statement of the Financial Results (DRE) and the financial balance sheet, evaluated by PwC Brazil.

“Esse growth reflects the hard work and dedication of our entire team, as well as the trust of our customers and partners, which only increases our enthusiasm to continue driving the technology sector and reach new heights”, said Claudio Dias, CEO of Magis5.

After this financial analysis, the companies underwent a compliance check, conducted by the BTG, EXAME and PwC teams, which sought to identify potential risks. Companies that were approved in these stages were included in the ranking.

The role of the digital influencer: ethics and strategy transform careers and impact the consumer market

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The role of the digital influencer: ethics and strategy transform careers and impact the consumer market

Being a digital influencer goes far beyond simply promoting brands.Today, it has become a profession that requires a strategic and ethical approach to achieving success and impact. 

According to Alexandre Silva, coordinator of the course of digital influencers of Cruzeiro do Sul Virtual, the proper training of an influencer not only qualifies the professional, but also ensures its effectiveness in boosting products and brands, including the own.“A systematized training of an influencer should be permeated by ethical issues that define their posture and credibility. Promoting brands will be a natural consequence of the reliable image that the influencer builds in their niche and in the society”, he says.  

To start a career as a digital influencer, the crucial first step is to clearly define the target audience and delve into the subject or product you want to promote. “Knowing the subject or product well increases the self-confidence of the influencer and strengthens their connection with the audience, providing more security to the followers”, Silva points out.  

The impact of digital influencers on society is significant and multifaceted.They have the ability to shape behaviors and influence buying decisions of thousands, or even millions, of people.However, influence can follow a positive or negative path.Therefore, it is crucial that influencers are aware of what they are communicating and the impact that their messages can have.  

The future of the digital influencer profession looks promising, but also complex due to the rapid changes in society and the market. “Although the path is still long and challenging, the role of influencers will continue to be relevant, especially in a consumer-driven society. They lend their image to various brands, further expanding their values and” influence, explains Silva.  

The regulation of the profession, although not yet fully established, is seen as an important milestone to give greater credibility to influencers.“regulation can bring more legitimacy to the profession, but regardless, influencers should always guide their actions by the” ethics, notes the expert.  

Trust is the most valuable asset for an influencer and the raw material of this profession is the trust of its followers. “It is essential that professionals consider the consequences of their actions and messages. With a cautious stance, they will be able to grow and establish important partnerships, consolidating their influence in the” market, concludes Silva.  

SustainableIT.org honors visionary technology leaders shaping the future of sustainability with the 2024 Impact Awards

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SustainableIT.org honors visionary technology leaders shaping the future of sustainability with the 2024 Impact Awards

SustainableIT.org, the CIO-led nonprofit dedicated to advancing global sustainability through technology leadership, announces the 2024 SustainableIT Impact Award honorees, recognizing exceptional contributions to technology-driven sustainability in the Environmental, Social and Governance (ESG) categories.

Among the highlights of the award in the Social category is Netza&CO. Through its social business unit, Circulando, connects brands, NGOs and projects with ESG purposes, circulating sustainable attitudes to solve socio-environmental problems, causing positive impact for people and the environment, such as the CaJu Project. Circulando has reused building materials, optimized new resources and transformed the precarious facilities of the NGO responsible for transforming lives through education into a cultural space for children in vulnerable situations.

As the rise of AI and digital transformation continues to reshape business scenarios, sustainability has emerged as a critical outcome alongside growth, customer experience and agility. However, the sustainable practices and achievements of IT leaders are often not visible and rarely recognized.The SustainableIT Impact Awards 2024 is dedicated to highlighting leaders and organizations that are promoting IT sustainability and generating significant impact through their environmental, social and governance programs.

The honorees will be celebrated at the SustainableIT Impact Awards & Symposium in Austin, Texas, from October 15 to 16, 2024 emeritus members of the council from SustainableIT.org, they exemplify passion, excellence and determination in shaping a sustainable future through technology leadership.Based by their executive teams, these leaders are setting new standards in IT sustainability.

“The 2024 SustainableIT Impact Award winning organizations have raised the bar with their pioneering initiatives in Responsible AI, Sustainability Benchmarking and Analysis, Data Governance and Compliance, and Promoting Diversity and Inclusion“, said Dave Best, vice president, SustainableIT.org.“Its innovations are enhancing customer and employee experiences, promoting global corporate sustainability and mitigating risks across a range of industries including financial services, healthcare, manufacturing, retail and technology.We are excited to celebrate its remarkable achievements at the SustainableIT Impact Awards & Symposium in October.”

SustainableIT Impact Award 2024 honorees:

Environmental

Pepsic

Mastercard Card

Cisco

Dow

Egiss

San Diego Gas & Electric IT Organization (SDGE)

Gates Corporation

Pfizer

Mainframe pop-up

Cloud Posetiv

Social

Business Technology at Arizona State University

Glendale, Arizona

Cognizant Technology Solutions

Denominator

Edifecs, Inc.

Mattel, Inc.

Mission Impact Academy

Netza & CO

Rackspace Technology

UCLA Health

Governance

BNP Paribas

CalOptime

ERI

HSBC

Morgan Stanley's

National Network

NatWest

NTT Data Group Corporation

Stanford Health Care

This year's awards night and symposium will focus on the theme “Shaping the future of IT sustainability”. Sign up here: https://events.sustainableit.org/impact-awards-and-symposium

Community for Entrepreneurs: How Unity Can Boost Your Business

Tiago Machado
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Community for Entrepreneurs: How Unity Can Boost Your Business

According to recent information released by Sebrae in partnership with the National Association of Studies in Entrepreneurship and Management of Small Businesses (Anegepe), Brazil ranks 8th in the world in terms of the highest number of entrepreneurs. A total of at least 42 million freelancers, and this figure is projected to double in the next three years due to Brazilians expressing interest in starting a business during that period. While this path offers numerous benefits like flexibility and financial independence, little is discussed about the often-solitary nature of the entrepreneurial journey.

Primarily in today's society, which has experienced social isolation during the COVID-19 period, with its interaction skills affected, coupled with the rise of social media, which increasingly makes people more individualistic, the act of owning one's own business is characterized by excessive competition and few opportunities for exchange. Given this context, joining an entrepreneurial community can be a turning point in any entrepreneur's life.

If we pause to reflect on human history, communities have played an indispensable role since the earliest times when human survival depended on teamwork. Centuries later, we realize that family groups, friendships, and even our neighborhood communities make all the difference in our daily lives. And in the business world, it's no different. Just look at Silicon Valley, California, in the United States, which is nothing more than a union of companies that has resulted in the world's leading innovation hub. 

In practice, the secret of the entrepreneur community lies in bringing together people with similar professional goals and experiences, thus contributing to the creation of an environment conducive to exchange and networking. This way, already established projects can reinvent themselves to stay competitive, while those starting a venture are able to shorten their learning curve and optimize their results.

Beyond boosting ventures through shared experiences and generating new business opportunities, it's worth highlighting that these spaces frequently offer access to mentors. This allows entrepreneurs to benefit from strategic discussions and constructive feedback to improve their activities. Skill-building also occurs here, as these initiatives are rich in resources like workshops, lectures, partnerships with colleges, and development programs. 

Another positive aspect of being part of a community is the certainty of stepping outside your comfort zone. After all, surrounded by individuals constantly seeking new ways to solve problems and generate value for the market, you're naturally encouraged to think creatively and explore new ideas. Finally, and no less important, is the benefit of personal growth. The challenges presented within the group and the diverse realities of the members invite you to evolve not only professionally but also personally. 

The truth is, a community of entrepreneurs can transform your entire journey. From access to resources and mentorship to fostering a supportive and innovative environment, the advantages are clear. And in a competitive world where innovation is essential for success, these groups provide the support network and opportunities needed to achieve your goals and maximize your potential. Think about it: unity does, and will, make the strength!

71% of Brazilian Medium-Sized Companies Intend to Invest in ESG Initiatives, Grant Thornton Research Points

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71% of Brazilian Medium-Sized Companies Intend to Invest in ESG Initiatives, Grant Thornton Research Points

Investment in sustainable initiatives remains a priority for 71% of medium-sized Brazilian companies, according to the latest edition of the International Business Report (IBR), a quarterly report released by Grant Thornton. The study, which interviewed 5 thousand entrepreneurs from around the world, reveals a slight decrease of 2 percentage points compared to the first quarter of the year, but still, sustainability maintains its relevance in the national market. The Brazilian index exceeds the Latin American averages, which is 56%, and global, of 58%.

Daniele Barreto and Silva, ESG specialist at Grant Thornton, attributes the growing interest of Brazilian companies to the movement of regulators around sustainability management and reporting practices, such as IFRS S1 and S2 standards issued by the International Sustainability Standards Board (ISSB). CVM Resolution n° 193 of the Securities Commission, which makes it mandatory to publish financial information reports related to sustainability from 2026, also strengthens transparency and encourages sustainable finance. “These new sustainability reporting rules direct the discussions and priorities of the ESG to sustainable development and the executive agenda.

Still in this context, Daniele highlights that the main challenge for companies is to integrate processes. “Currently, the practice of sustainability, in most companies, happens vertically and does not dialogue in the proper way with all areas and processes. The reporting requirements of IFRS S1 and S2 standards require an integrated management of information, which involves different expertise, departments and committees, and encourage the agenda to be seen in a transversal way,” complements. “ Communicate effectively the actions and results, clarifying the correlations between the information of sustainability materials and financial statements, it is essential to demonstrate greater reputation and social commitment to build a relationship with a greater environmental impact.

The Importance of ESG Reporting for Reputation

ESG practice has been seen as a strategic tool for companies that want to stand out in the market. The inclusion of the sustainability-related financial information report places the ESG agenda as a pillar for business growth as well as reputation.

Within the context of communication and reputation, when measuring the investment intentions of companies in branding, the IBR points out that 77% of Brazilian entrepreneurs intend to invest in the area in the next 12 months 57%, and Latin America, 62%. Cecilia Russo Troiano, President of TroianoBranding, reinforces the power of communication and alert to the need for companies to overcome the challenges of measuring and communicating the impacts of their ESG initiatives in a clear and transparent way to different audiences.“Today, for companies to build a reputation or services are just to have a sense of having a quality, the company is not having a sense of a product.

Another point to consider is that the commitment to sustainability brings positive impacts in several aspects, one of them being the attraction and retention of talents. According to the research “The importance of the ESG agenda for university students”, held by Grant Thornton Brazil, 77% of respondents show interest in ceasing to work in a company that does not meet the legal and market criteria related to ESG. “A new generation has a very characteristic concern with values and convictions, so the competitiveness in the current market requires companies to adopt solid practices and that adapt to the future connected Consumers increasingly better informed brands that demonstrate a commitment to sustainability, Danseg is also pointing out a commitment to sustainability.

10 Tools for Monitoring Social Media

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10 Tools for Monitoring Social Media

In today's digital world, social media monitoring has become an essential part of any company's marketing and communication strategy. With the increasing number of social media platforms and the massive amount of data generated daily, it's crucial to have the right tools to track and analyze your brand's performance, as well as industry trends and competitor activity. In this article, we will explore ten of the best social media monitoring tools available on the market.

1. Hootsuitehttps://www.hootsuite.com/Hootsuite is a comprehensive social media management platform that allows you to monitor, schedule, and analyze posts across multiple social networks, all from a single dashboard.

2. Sprout Socialhttps://sproutsocial.com/Sprout Social offers a comprehensive suite of social media monitoring tools, including sentiment analysis, hashtag tracking, and customizable reporting features.

3. Brandwatch (https://www.brandwatch.com/Brandwatch is a powerful social listening platform that uses artificial intelligence to provide actionable insights into brand performance, industry trends, and competitor activity.

4. Mention (https://mention.com/Mention allows you to monitor mentions of your brand, products, and competitors in real-time across various social media platforms, as well as news and blog sites.

5. Agorapulse (https://www.agorapulse.com/Agorapulse is a social media management tool with advanced monitoring features, including the ability to track mentions, keywords, and competitors across various social networks.

6. Talkwalker (https://www.talkwalker.com/Talkwalker offers a real-time social listening platform with advanced data analysis and AI capabilities to help brands better understand their audience and make data-driven decisions.

7. Sendible ( ... (more context needed)https://www.sendible.com/Sendible is a social media management tool that allows monitoring, collaboration, and performance analysis across various platforms, with customizable reporting features.

8. Keyhole (https://keyhole.co/Keyhole is a hashtag and keyword tracking tool that provides real-time analysis and insights into reach, engagement, and sentiment surrounding specific campaigns and topics.

9. Socialbakers (https://www.socialbakers.com/Socialbakers offers a social media analytics platform with advanced benchmarking features, allowing brands to compare their performance against competitors and identify opportunities for improvement.

10. Synthesio (https://www.synthesio.com/Synthesio is an AI-powered social listening platform that provides actionable insights into customer sentiment, emerging trends, and real-time engagement opportunities.

With the increasing importance of social media in businesses' marketing and communication strategies, effective monitoring of these platforms has become a necessity. The ten social media monitoring tools presented in this article offer a wide range of features and functionalities to help brands track their performance, understand their audience, and make data-driven decisions. By choosing the right tool for their specific needs, companies can gain a competitive advantage and maximize the impact of their social media efforts.

Pix transactions aligned with ESG practices (Green Pix)

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Pix transactions aligned with ESG practices (Green Pix)

In its constant search for innovation and improvement in operations, Matera, a technology company specializing in solutions and products for financial services, has released an important update in the matera's system for Pix, which shall be processed in Green Software. The purpose of the so-called “Pix Green” it is to ensure the efficiency and scalability already known of the product, minimizing environmental impacts.

To enable the focus on development aligned with ESG practices (in English, Environmental, Sustainability and Governance), the company migrated the system to the new family of processors Graviton. With the change, Matera estimates a reduction of approximately 20% in cloud infrastructurein addition to reducing carbon emissions throughout the process. 

This is because processors have energy efficiency, that is, they are more efficient in terms of energy consumption. In addition to this aspect, it is a more competitive technology, with better performance and reduction of operating costs. Another important point is the gains in processing, which have an increase of up to 30% at speed.

“A Matera works with the constant focus on developing products thinking of offering the best solutions to our customers, aligning operational efficiency and socio-environmental awareness, which is one of our pillars. The adoption of the Green Pix is another proof of this purpose, since this processing architecture allows transactions via Pix with the lowest carbon emission of Brazil”, explains Matera's Product Director, Bruno Samora.

Samora also highlights the priority of Matera to be aware of new market trends and global events. “A Matera has a very relevant space in this scenario, being responsible for processing about 10% of all Pix transactions in Brazil, which revolves around 270 million transactions. It is our commitment and duty, considering our strategic position among other players, to evolve our solutions always ensuring the highest performance”, he points out.

Rox Partner aims to be a leading player in the data and cybersecurity market

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Rox Partner aims to be a leading player in the data and cybersecurity market

The importance of data in the corporate ecosystem has already become a consensus in the public debate. According to a survey conducted by New Vantage Partners, 97% of global organizations are investing in the use of information strategically Rox Partner, leading technology consultancy in data and cybersecurity, plans to invest more than R$ 1 million in commercial and brand expansion projects in 2024. The company plans to expand revenue in 48%.Last year, the value was R$ 21 million. 

Founded in 2019, the company guides the performance in the expertise in data engineering, data science and data management know-how, seeks to consolidate a well-targeted data-driven journey, according to the level of maturity and growth potential of each client, ensuring uninterrupted monitoring of operations and commitment to data protection. To ensure a solid performance in the area, it has allocated more than R$ 2 million in governance and information security tools for internal controls and security assurance in the provision of its services.

With a team of more than 130 employees distributed among eight departments, the company also expects to expand its talent team in 39% by the end of the year. Currently, the consultancy adds more than 250 customers in the portfolio, which has 10 of the largest companies in Brazil.

“We want to increase our market reach and deepen our commitment to excellence and operational safety.This is the foundation on which we will strengthen our reputation and continue the strategic expansion of the” business, says Rox Partner founding partner and chief data officer (CDO) Mathias Brem.

Consolidation of solutions and new investments 

The company, which focuses on offering solutions and services that convert strategic information into competitive differentials, has the mission of enhancing the business of its partners.For Brem, the positive projection for 2024 reflects this deepening of the capacity for innovation and delivery by its team.

“The growth process of Rox Partner is a reflection of contributions and efforts aimed at new product lines and services, in addition to the consolidation of solutions already offered. For this year, we also hope to consolidate new areas, one of them focused on following the demands of the Generative Artificial Intelligence market. Each action or solution we develop is designed to meet and anticipate all customer needs and exceed expectations in terms of innovation and security”, notes the executive.

Movement for data literacy

One of the actions that also integrate the company's maturity plan is data literacy with customers.In order to train leaders and managers on the importance of data analysis and protection as assets of a corporation, Rox School was born, an initiative consisting of training provided by experts in a number of topics associated with the market. 

Having actively collaborated in the development of more than 50 executives from large organizations, the consultancy plans to launch, in 2024, its own platform with training also aimed at the general public. 

“With Rox School, we have been able to educate decision makers and strengthen our customers' position in the market by equipping them with the knowledge they need to navigate the complexity of the data environment securely”, Brem details.

Safety first

The company also aims to increase the awareness of the customer base about the importance of betting on cloud technologies and cybersecurity services, a position that is corroborated by the achievement of the ISO 27001 certificate.In addition, the company has full adherence to the requirements of the General Data Protection Law (LGPD), adopting all the methods, processes and documents required by the legislation.

“Due to our responsibility with our own and customer data, we take very seriously the alignment of activities to the standard.We made a point of creating a committee specialized in data security and privacy, in addition to appointing a professional specialized in data protection, in order to ensure the maintenance of good practices in our performances and services”, adds the founding partner. 

5 Steps to ensure the digital security of a company

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5 Steps to ensure the digital security of a company

Concern about digital security has grown worldwide.A survey by iProov, a biometric security company, shows that 70% of technology executives express concern about online fraud.In Brazil, the scenario is similar: 54% are said to have suffered digital attacks in 2023, and Generative AI was used in more than half of recent intrusions. 

In this scenario, the adoption of new security technologies, such as artificial intelligence, multifactor authentication and robust encryption, is critical to protect corporations from increasingly sophisticated digital threats, says Bruno Telles, COO of BugHunt, Brazilian cybersecurity company pioneer in Bug Bounty in Latin America.“The negligence in relation to these technologies increases the vulnerability of organizations to” attacks, says the executive.

To ensure security over time, it is essential to establish a continuous cycle of improvement.“It is important to foster a culture of protection across the organization, involving everything from top management to frontline employees.When everyone is engaged and committed to safe practices, the company follows best practices consistently, staying prepared to face new threats and ensuring solid and lasting” protection, Telles says.

The information security expert pointed out five measures that companies can take to protect themselves against online data theft.

  • Conduct a full risk assessment

To ensure the digital stability of a corporation, it is essential to carry out a complete risk assessment.This involves identifying digital assets, understanding threats and vulnerabilities, and assessing the impact of each risk. “This analysis underpins the strategy of protecting critical areas, adapting to new hazards, and creates an efficient culture by engaging all levels of the organization in secure” practices, Telles says.

  • Continuous training of employees

The best security policies are ineffective if employees do not understand the risks or how to avoid them. According to the Daryus Group, 15% of organizations do not invest in regular cybersecurity training, even if 84% appoint employees as the main gateway to vulnerabilities. “Well-trained employees are a vital line of defense against offenses that exploit human errors, such as phishing and social engineering”, he explains. For the expert, practical simulations of attacks are critical to prepare the team to respond quickly to real threats, reinforcing the protection of company metadata. 

  • Adopt threat monitoring and detection solutions 

Telles highlights the importance of using real-time monitoring tools that integrate data to provide a complete view of the network and identify suspicious activity.“These tools enable rapid responses, using AI to detect anomalous patterns and automatically block unauthorized access attempts”, he explains. Solutions such as Splunk and Darktrace exemplify technologies that efficiently protect businesses by aggregating information from multiple sources and monitoring traffic for suspicious behavior.

  • Conduct regular vulnerability assessments and penetration testing

In addition to the Bug Bounty program, it is important for companies to conduct penetration testing (pentest) and vulnerability assessments on a continuous and proactive basis. These practices identify and correct weaknesses before they are exploited, simulating real attack scenarios. “These assessments reveal areas that need improvement and strengthen cyber defense. By adopting these measures regularly, companies keep their defenses up to date, being ahead of cybercriminals. The Bug Bounty program also encourages cybersecurity researchers to report vulnerabilities, further strengthening the” defense, explains the executive.

  • Perform regular backups

Storing critical information in secure backups is essential for recovery after scams such as ransomware, minimizing business impact. In addition to performing regular backups, it is crucial to test its integrity to ensure data restoration.“Adopting off-site or cloud backups and encrypting content are best practices for increasing protection and resilience against” losses.

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