 In many countries, nature and wildlife are central to what makes them so special. But there is a dilemma. How can people and wildlife exist together? With growing populations, there is competition for space. Areas that were home of animals exclusively are now being used for agricultural activities and new communities. Human wildlife conflict has been there all this time, not just here in Sri Lanka, but in many parts of the world. And this creates not only a threat for humans but also for wildlife as well. Human-world-life conflict is increasingly a problem in Kenya as well as Sri Lanka, causing injury and death and physical damage to buildings and crops. This is where insurance comes into play because we can provide it as a form of protection, at least financially to the people. Just like normal insurance, micro-insurance will provide the benefits for human deaths, injuries, crop damages and property damages. I mean, we can't even blame the wildlife because we are the ones who are invading them. And this competition for space, food, it is inevitable. So this is a good business opportunity. Insurance companies and independent market drivers such as A-B consultants in Kenya who build capacity in the insurance industry want to attract new customers by developing this market, customers whom conventional companies would not reach. Many countries might think that government should sort this out, but private insurance companies can bring important skills and experience to their design and roll out of a new product. And crucially, there is lots of data available for companies to make business decisions based on evidence. The premise of insurance is that you're trying to ensure a future risk is going to happen. So the premise is you need enough data, past historical data that can help you make a decision going into the future. The government has very good data through KWS. They're able to give us, I think, 10 years' data that we used to model what the future risk would look like, and therefore what is this price that needs to be paid as a price to cover for future claims. Insurance companies know about effective payment systems, have lower administrative costs, are able to leverage technology for claims verification, and are familiar with ways to crack down on fraudulent claims. Claims verification is probably the most difficult part of the scheme. So we are actually working with community members. We're calling them community verification officers who would then be responsible for going out to verify the claims and communicating back to the insurance industry. The other part is technology. Technology will play a big role in enabling us to get the information from the field as quick as possible, and so that also the compensation can be done as quick as possible. And I think the last part of this scheme would be consumer education. So really working with the community, with the local administration to get communities to understand how does this scheme work, what is insurable, and most importantly, how do I minimize my risk? Taking this approach will mean the private sector can play its part in supporting wider social and environmental goals and commitments. The insurance must be designed and marketed with clear benefits to this new customer base of affected households because traditionally rural insurance penetration is low. In Kenya, the government is businesses that need the money and they need to be paid. The government doesn't do the payment. We're not paying for it. The government is doing the payment. We're not paying for the payment. But they're paying for the amount that is 씨ح. It's nothing for them. But the government is working with the government In Kenya, the government is ready to hand over its wildlife compensation scheme to the private insurance sector to manage. In Sri Lanka, they are testing the idea too.