Every year, for the past 35, COVER has kicked off the year with an Industry Outlook and this year is no different. Although there is always the Yin and Yang of challenges and opportunities, the various drivers of industry growth and the factors impacting them, keep on evolving. Most industry leaders agree that our industry thrives on risk, with the silver bullet being effective management of data. It is clear that managing risk is the strategy and data is the fuel. Leveraging technology and especially AI, is accepted by all as a ticket to the game.