The visibility and monitoring of risk is critical to all businesses. The challenge we face, of course, is that what's a risk today will not necessarily be a risk tomorrow.

Society has at its heart, community. Whether it's a country, a village, or our global populous, community is the loving centre. There is no more vital investment in any community than education, because from which flows our future.

We need to be careful not to confuse ourselves. We talk about culture likes it's a thing, but it's not a thing, it's a thing we do.

Governance is described in many ways, however I have long wrestled with it being a noun. It distracts from the real essence of what I think governance is: action