2019: WEATHER RISKS RECEDE, WHILE EVERYDAY DISRUPTION INCREASES In terms of unexpected events, 2019 was a remarkable year: the abdication of Emperor Akihito marked the first time a Japanese monarch had stepped aside in 200 years, while protesters — from Hong Kong to Chile — took to their streets to demand change. In North America, the government shutdown in January foreshadowed the political turmoil ahead, and Equifax’s $425 million settlement for its 2017 data breach served as a stark reminder of the financial impact of cyberattacks. And the outbreak of COVID-19 at the end of the year — now declared a pandemic by the World Health Organization — marked the emergence of an unpredictable new risk dimension. At Sungard AS, we closely monitor the extent and causes of customers ac

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