 In order to have a better understanding of the risk management process, we need to look at how the government is going to help us in mitigating the various types of risks that my business or if I'm a household, if I'm an individual customer, what could be the ways through which government can help me in mitigating the risks to which I am exposed to. And who am I? I can be a firm or I can be an individual, just a customer or an individual. If we look at the way the governments work in any country, government's two types of risk management. If we look at the way the governments work in any country, government's two types of risk management. Number one, they try to prevent the risk elements from being prevented. Number two, they help us redistribute. So what they do is, if you are exposed to a certain thing, they distribute the harm to you, they reduce it and bring it to the net so that you don't get too much damage. So it prevents the risks for us and it redistributes the risks for us, right? So how do we do this? For that, we have seen that when the pandemic happened, COVID, which affected the whole world, now you can see that if we remove the role of the government, then on a daily basis, they have developed an app, they have developed websites, they have given this work to NCOC. They give you statistics based on the whole of Pakistan on a daily basis, according to the morning, according to capital city. They have created websites that can chat on live, then they have created a telephone app that you have installed on your phone, if you are feeling any symptoms immediately, they don't know what symptoms will be, they don't know what symptoms will be, what will be the symptoms, what will be the status of severity, what are the statistics of that. If someone feels any symptoms, what should they do? What will be the PCR testing, what will be the equipment? All these things that the government of Pakistan has provided to people, what happened with that? If you remove all these things, then the risks to which we were exposed to in the absence of all the efforts and the things and the steps that have been done by government, then what was going to happen? They made separate sections in hospitals, made isolation wards, trained people, then arranged for a vaccine, then convinced people, everyone was scared, if they would get a vaccine, they would die. So they campaigned for a vaccine, involved stars, put celebrities, put advertisements on television, arranged for news, so that people get rid of the fear, then the fear will be stopped. What happened by following all these policies is that they have tried to reduce the negative effect of the pandemic. Similarly, when there is a crisis in some place, whenever there is a crisis, then the government, whatever its resources are, they take it to the market and use it to reduce that particular loss for people. And this is basically the role that is to be played by the government. So what does it do? It mitigates the risk and redistributes it, prevents it, stops it, teaches people, through the different ways and means of communication, it trains them, tells them not to go into these dangerous areas. There is a lockdown here, there is a smart lockdown here. Or when there is a disaster, they give a warning that there is a disaster in certain areas, don't go there, don't travel, it's not safe. So all these barriers are taken by the government to reduce the effects of all possible risks so that you can expose yourself to firms, individuals, households who are exposed to losses. So this is how the government plays its role, contributes in order to mitigate the effect, the negative effect of the various risks to which we are exposed to. And when we are going to plan for the risk management, we have to account for how the government is going to facilitate us or me or a firm in case of these different types of risks that can happen.