Blogs

Technology Helping Source COVID-19 Supplies

Technology Helping Source COVID-19 Supplies 1200 800 adapt ready

As the Coronavirus pandemic continues to spread globally, personal protective equipment and critical care items are in short supply. PPE and healthcare accessories and devices such as ventilators are in great demand to treat patients with COVID-19 and contain the spread of the coronavirus. 

COVID-19 has caused severe disruptions to global supply chains, and one of the industries most affected is healthcare. With more than 3.6 million confirmed cases and at least 254,586 deaths worldwide as of May 5 and growing, according to the World Health Organization, the coronavirus pandemic is the most significant public health emergency in many years.

As an early stage startup that has mastered optimizing public and proprietary data to provide risk intelligence, we have traditionally been releasing reports of business impacts/supply chain disruptions during every major event. While analyzing the business impacts of COVID-19 on pharmaceutical industry, we realized the disconnect between the supply and demand of sourcing PPE & CCE around the world.

So, we decided to use the external data capturing capabilities of our platform, powered by Big Data/AI, to address this very pressing need and built an application that lists manufacturers and retailers that provide all the necessary equipment identified by the WHO as necessary for battling COVID-19. The app is free to use for governments, states, cities, hospitals and private distributors, making it extremely easy to locate contact information and reach out to manufacturers/retailers at their fingertips.

With COVID-19 cases still on the rise, particularly in the United States (1.1 million+ cases and over 70,000 deaths as of May 5), PPE, CCE and healthcare accessories and devices are needed more than ever before.

  • With little help from the federal government, states are looking to the open market, where they are met with demand pricing and forced to bid against each other.
  • The open market can also be murky, subject to scams and counterfeit products. To prevent this from occurring we have ensured that they are trusted and approved by US and EU regulators (all manufacturers are FDA-approved).
  • Adapt Ready bridges this disconnect between supply and demand of sourcing PPE/CCE by breaking through the noise of a complicated and difficult market to put consumers and organizations directly in touch with manufacturers and retailers to combat soaring prices and empower state/local governments, NGOs, hospitals and others in the healthcare ecosystem to collaborate and take the buying process into their own hands.

This is an app for social good and free to use. While originally designed for Apple iOS and Google Android platforms, due to the pandemic, they are only launching apps from government organizations, NGOs and healthcare institutions. For now, we have made it publicly available at https://covid19.adaptready.com. We are seeking partnerships with government/NGOs and healthcare organizations to launch the app – and welcome you to reach out for more information. Please share this with your network and help spread the word, so we can collectively have an impact on fighting COVID-19.

About Adapt Ready:

Adapt Ready’s ground-breaking risk intelligence platform delivers new data insights and fills in key gaps with external data, enabling our customers to better manage operational and financial risks, and to enhance their growth and profitability. With our platform, organizations can gain insights from external data tailored to specific situations before, during and after a crisis:

  • Before: Plan for risks by uncovering as many hidden risks as possible
  • During: Mitigate the impact – as events unfold, new data emerges and can inform decisions to reduce the event’s impact
  • After: Adapt to new conditions and refine future business direction

Mitigating Risk and Protecting our Cities from Disaster

Mitigating Risk and Protecting our Cities from Disaster 1200 800 adapt ready

Our CEO, Shruthi Rao is among the industry thought-leaders that were asked to present their thoughts on Resilient Cities. She writes about Adapt Ready’s risk intelligence platform and the need for preventative action to help mitigate economic, societal, and personal losses in the face of increasing climate instability.

Click the eternal link below to view the article.

Challenging the status quo

Challenging the status quo 1200 800 adapt ready

Shruthi Rao, CEO and co-founder, Adapt Ready, Inc., has faced down gender bias throughout her career. Now, she says, it must be broken down for good.

Click the below external link to read the article.

Hurricane Irma

Hurricane Irma Closing in on Florida

Hurricane Irma Closing in on Florida 897 736 adapt ready

Hurricane IrmaAs Hurricane Irma barrels down on Florida, insurers are vulnerable to a myriad of exposures. As of this writing, all the major and minor ports serving the state have been shutdown.

The Tampa, FL port is a crucial gateway for fertilizers as it handles over 20% of the US exports, with its biggest customer, The Mosaic Company, being affected in particular – not just from the port closure, but due to the closure and potential impact on its phosphate production locations in the vicinity.

Mosaic serves customers in over 40 countries, and acknowledges that it conducts operations through a limited number of key production and distribution facilities. (Phosphates accounted for nearly 41% of the company’s revenues in 2016). The larger implications on agri-based businesses (including Campbell Soup, Kellogg, Tyson Foods and PepsiCo) remains to be seen.

Irma is also after orange juice: Bradenton, FL based Tropicana, is the world’s largest producer of branded juice, and one of the billion-dollar-plus subsidiaries of PepsiCo. The Tropicana plant is in the path of the hurricane, and its closure could severely impact production for days to come.

A quick rundown of industrial exposures at major ports follows:

Major PortIndustryPotentially Impacted Companies
TampaFertilizer, Agriculture, Food & BeverageMosaic Company; PepsiCo; Campbell Soup
JacksonvilleAuto industry (635,000 automobiles imported annually)Volkswagen; Porsche; Toyota
Port EvergladesIndustrial and heavy equipmentHurst
MiamiClothing, medical equipment and pharmaceuticals, metal products, and printingSteiner Atlantic; Noven Pharmaceuticals
West Palm BeachShips and boatsRybovich; Horizon Yacht; Bahama Boat Works

A more detailed connected risks report will be sent to our partners. If you wish to receive the report, please sign up with your name and contact details below.





    Hurricane Irma’s Forecast Cone image courtesy of the National Hurricane Center.

    Tianjin Port Explosion: 20 Months On

    Tianjin Port Explosion: 20 Months On 640 426 adapt ready

    About 20 months after the Tianjin Port explosions that left insurance companies with as high as ~$4bn in claims, the port stays abuzz with cargo activities, with Beijing-based companies expected to invest $23 billion in the city. In 2016, the port saw throughput volumes to the tune of 14.49m teu, a 2.9% year-on-year rise.

    • “Tianjin port will apply the brakes to coal transportation by trucks from the second half of 2017, to alleviate pollution caused by diesel-powered trucks and coal consumption”, the mayor said.
    • Environmental clean-up is complete, new facilities built to improve local surroundings
    • The Ministry of Environmental Protection have established an environmental monitoring station to scrutinize the port and surrounding areas 24 hours a day
    • For four months after the blast, the city had checked more than 2,000 enterprises that dealt with dangerous substances and chemicals

    What are insurance companies doing?

    Adopting InsurTech

    “Insurance Technology” or the topic of technology-driven innovation in insurance is the focus for most insurance companies. Drones, robots, start-ups in this space, are contributing to its growth. Sensors built on ‘Internet of Things’ are being used on cargo to help companies rapidly understand the situation after catastrophic events (e.g.: the Tianjin explosion)

    Applying Changes to Cargo Underwriting
    • Building newer disaster models and cargo models
    • Improved understanding of risk accumulations
    • Pricing for the unknowns

    What do experts say?

    All Eggs in One Basket

    The Tianjin event highlighted how risks can be accumulated in a single location. A massive 285 of the Fortune Global 500 companies had facilities there. Following the event, insurers and reinsurers were exposed to claims from multiple lines of business, involving multiple policies across property, marine, motor vehicle and personal injury.

    Data for annual turnover in terminals, average turnaround times and market share of an insurer etc., enables calculation of risk scenarios and to identify accumulations.

    Know Thy Neighbor

    If the underwriters in case of Tianjin had known about the presence of lethal chemicals in Ruihai International Logistics, they would have priced the risks very differently. It is essential for underwriters to understand and evaluate neighboring risks/risks in proximity.

    BI from human error supersedes those from Nat Cats

    Mr Damien Pang, Head of Short-Tail Claims at AGCS Asia, notes that increasing BI claims are more from human error or technical failure rather than from Nat CATs. He suggests companies to increase their supply chains’ resilience by mapping them, identifying critical suppliers and their locations, get back-up suppliers and increase stocks. “These “redundancies”, once considered “cost-blocks”, are now instead viewed as investments in reliability and safety” he adds.

    Big Data and Analytics

    To fully exploit the capabilities of Big Data and Analytics, quality data is needed. Industry experts had commented that effective data communication was lacking throughout the underwriting process for the Tianjin event.

    An industry-wide transformation is happening in this area:

    • Consultancy firms launching newer and better cargo modelling tools.
    • Containers are being fitted with RFIDs to help identify locations.
    • Learning lessons from property businesses in Florida where risks come into the market with huge amounts of exposure information.

    Big Data and smart analytics will help make marine data more accessible, thereby enabling better assessment of cargo risk accumulations and create greater scope for modelling. They can also be used to build a knowledge profile of an area or specific property, including proximity to Nat CAT risks.

    References

    http://www3.asiainsurancereview.com/News/View-NewsLetter-Article/id/35863/Type/eDaily/China-Insured-losses-from-Tianjin-Port-blasts-now-estimated-at-US-4-bln

    https://www.linkedin.com/pulse/tianjin-explosion-3-marine-insurance-related-markus-spielmann?articleId=8136159571149071310#comments-8136159571149071310&trk=sushi_topic_posts_guest

    Why should I care about InsurTech?

    http://www.genre.com/knowledge/blog/lessons-from-the-tianjin-explosion-en.html?utm_content=39994145&utm_medium=social&utm_source=linkedin

    http://www3.asiainsurancereview.com/Magazine/ReadMagazineArticle?aid=37947

    https://www.lloydslist.com/ll/sector/insurance/article522140.ece

    Container ship by anaulin is licensed under CC BY-SA 2.0

    Presenting at an InsurTech Day Event

    Startupbootcamp InsurTech: 50 Days to Demo Day

    Startupbootcamp InsurTech: 50 Days to Demo Day 1024 576 Sandeep Chandur
    Presenting at an InsurTech Day Event

    Presenting at an InsurTech Day Event

    Around the end of last year, we at Adapt Ready were excited to be selected as one among Top 10 startups for Startupbootcamp InsurTech 2017, a global insurance accelerator working alongside a large portfolio of leading insurance players to foster disruptive and collaborative insurance innovation from early stage startups.

    We are half-way through the accelerator, and I wanted to take this time to reflect on how far along we have come in just the last few weeks. It has been educational, exhilarating, exhausting, and yes, even fun – despite 80-hour work weeks.

    Educational, because we at Adapt Ready are “new” to the insurance industry in general. Or were, before the start of the program anyway. Not anymore. Thanks to laser-focused training aimed at upstarts, the program prepared us well in our journey to become an InsurTech company – and at the perfect time, too. According to a report from KPMG, 2017 will see InsurTech make its mark.

    The program even has an Actuary-in-Residence to understand processes and workflows within the industry, bounce off ideas, and get a deeper look into an established industry. Did you know that property insurance can be traced back to the Great Fire of London, back in 1666?

    Exhilarating, when you sit next to people who are eventual users of your product – and they take the time to guide you and help you refine the product based on their needs. This close interaction with our users has helped Adapt Ready immensely in understanding the customer journey and design/build features that users want. And because we are able to iterate designs quickly with our lean approach, we are able to get feedback faster and improve.

    It’s one thing to come up with an innovative idea and build a product around it, but there is so much needed around it to make it a viable, successful business – especially in the insurance industry: knowing how to navigate the inherent complexities, understanding the pitfalls and roadblocks, intertwined relationships, all of which are critical to develop partnerships, a product that users will love, and an effective sales/marketing strategy.

    The support provided by Startupbootcamp mentors and partners – both in the insurance industry and the periphery – is unparalleled: not only do they give their time but also the resources to help us succeed, and almost on a daily basis.

    Exhausting, where over 80-hour work-weeks is the norm. With workshops covering everything from legal and design thinking to PR and branding, and a special emphasis on pitching and crafting the startup story. All of this while we are actively engaging 4 large insurers and in discussion with 6 more — while also fundraising to close our seed round. And if we run into any challenges, the Startupbootcamp team is always so resourceful, whether it is making the right connections or giving us the extra push we need in meeting a deadline, or practice and feedback for pitching our product demo to an investor.

     

    Fun, thanks to the other startups in the cohort and the Startupbootcamp team. We may not have succeeded in “Escaping the Room“, but you can be rest assured we are back in the office bright and early the next morning.

    March 8 is International Women’s Day. We pride in being a woman-founded and woman-led startup (and incidentally, the only female CEO in the 2017 InsurTech cohort), and strive to making gender equality a reality.

    Interconnected Risks Threaten Coffee Industry

    Interconnected Risks Threaten Coffee Industry 624 351 Davis Cherry

    Internal conflict is causing business disruption throughout the coffee industry. In South Sudan, which has recently experienced an uptick in violence, Nestle has suspended coffee imports. And, where supply chains have not been interrupted, security threats greatly increase the cost of doing business—coffee from war-torn Yemen costs $173 a pound.

    Compounding threats to the coffee supply chain are shifting weather and climate patterns. Up to 50 percent of current coffee growing regions could become unsuitable for this crop this century. Company’s from Starbucks to Peet’s Coffee are already alarmed about this prospect and trying to actively manage this risk.

    And, climatic and weather conditions are not just directly impacting coffee growing conditions, but, contributing to conflict in places like South Sudan, where water scarcity has exacerbated existing societal tensions. In a viscous cycle, conflict, insecurity and bad governance, lead to mismanagement of environmental resources.

    In this age of ever-emerging risks and heightened global competition, companies must better understand a variety of risks that can have discreet impacts on their business as well as how interconnected threats can compound risk. Leading companies will also be able to proactively anticipate risks instead of responding to them as they happen. Adapt Ready allows organizations across industries to gain this holistic, proactive, view of risk like never before. Get in contact to learn more.

    New York City Brings Global Awareness to Climate Threats While Facing Its Own Critical Challenges

    New York City Brings Global Awareness to Climate Threats While Facing Its Own Critical Challenges 660 371 Davis Cherry

    New York City just hosted Climate Week NYC 2016 to coincide with the United Nations General Assembly September 19 – 25. City governments, business leaders, NGOs and government representatives convened to discuss issues from sustainable land use in agriculture to strategies to reduce urban vulnerability. As records continue to be set for global temperatures and extreme events, organizers and participants directed significant attention to the need to better understand risks arising from global change and take action to save lives and protect assets.

    While annually shining a light on this global crisis, New York City faces its own daunting perils. Sea level rise poses an almost existential threat to the city—a few weeks before Climate Week, New York Magazine released “This is New York in the not-so-distant future,” one of the most thorough pieces on the challenges threatening the city this century. As today’s hundred-year floods may become five times more likely in the next few decades, significant destruction of coastal properties, infrastructure and business activity will become an every-decade or once-in-a-generation occurrence. And, the re insurer Swiss Re has already predicted that its “anticipated annual losses in New York will more than double by 2050, to $4.4 billion, and the cost of black-swan events that happen on average around once every 70 years will more than quadruple, to $90 billion.”

    This has significant implications for real-estate, business investment and the future economic growth of the city.

    For all cities, not just New York, careful cost-benefit-analyses must now be made factoring in climate risks, particularly for long-term investments. Will a 50-year lifespan project be investment-worthy if it will be rendered unusable from flooding in 40 years or should developers ignore climate risks if it can make a return in a shorter term, say 10-20 years? Or, should a project or building design be altered and enhanced to withstand change? For individuals and businesses, they must decide if buying a property along the coast or flood-prone area will be responsible and safe decisions.

    Beyond the very long-term, understanding how risks are changing, even if small, in the next few years can help decision-makers better prepare for disruption and catastrophes with the resources and assets already in place.

    Adapt Ready’s analytics give better perspective to these tough decisions by providing risk information over multiple time frames, useful for short- and long-term decision making for a variety of stakeholders. While New York’s fate is of major significance to the world, other cities and communities face similar or worse risks. In the spirit of Climate Week, it is important to shine a spotlight on many other cities’ risks—with our global coverage, Adapt Ready technology can enhance decision-makers’ ability to manage risk at any location.

    Rio, Di Caprio and The Data Disconnect

    Rio, Di Caprio and The Data Disconnect 150 150 Ruben Villarroel

    As the 2016 Olympics drew to a close this past weekend (Aug 21, 2016), we want to give a “hats off” to the organizers of the Rio 2016 Olympics opening ceremony as they took the opportunity to highlight growing climate risks around the world. Brazil is a country that has long been in the spotlight for climate-related issues; but on this occasion they were able to rise above Brazil’s historic difficulties with deforestation and, more recently, water quality issues and deliver a segment (including a 5-min video) that has been called “historic” and “a wake-up-call.”

    The segment highlighted the perils of sea level rise on vulnerable nations and cities, showed Ed Hawkins’ compelling visual spiral showing the rapid rise in global temperatures, announced that more than 11,000 trees will be planted in Rio, representing each Olympic athlete and finished off with a poem praising a flower that “has breached the asphalt, the ennui, the nausea and the hate”.

    The above is important for many reasons, not the least that it has the power to stimulate conversations and greater risk awareness. The dangers of ever more frequently-occurring natural catastrophes are increasing and very present in our society. And major events and personalities can help reach a wider audience with this message—it seems to be working.

    Comments by celebrities resonate louder with audiences than hard facts exposed by scientists. A paper published this month (August 2016) found that after Leonardo DiCaprio’s acceptance speech, tweets including the terms “global warming” or “climate change” increased by 636%. The same paper points out that the “Di Caprio Effect” eclipsed Earth Day and The Paris Climate Conference by factors of 5.3 and 3.2, respectively. Google searches for terms related to climate change or global warming also spiked by about 235% days after the speech.

    20160229-diCaprio-oscar-speech 2

    But the Hollywood actor is not stopping there, the Nat Geo Channel has acquired the worldwide rights to his untitled climate change documentary that presents an account, which will include interviews with Barack Obama, Bill Clinton, UN Secretary-General Ban Ki-moon and Pope Francis, of how society can prevent the demise of endangered species, ecosystems and native communities across the globe.

    While most people, organizations and governments recognize the enormous challenges ahead, the fact remains that understanding how each of us, our communities or employees will be affected by increasing climate risks is very difficult. Even when leaders and celebrities are able to inspire and stir audiences to action for moments in time, the fact remains that understanding how to take action based on scientific reports, data or projections remains very difficult—most people and institutions can’t relate these risks to their own lives and missions.

    That’s why Adapt Ready is devoted to making sense of the enormous amounts of big “climate” data out there so, when the next celebrity or major event highlights our global risks, we’ll all be better prepared to take action and not just worry.

    At Adapt Ready we have been raising awareness as well as developing analytics to help governments and enterprises manage their risk exposure. We understand sea level increase might have a higher focus because many people live in major coastal cities (Amsterdam, New York, London), but it is also important to understand that climate change and natural disasters have implications for national security, agricultural productivity, global water stress, diseases, population migration, and on.

    Get in touch and let us increase your business resiliency.

    Cybersecurity and Climate: Two Emerging Risks Needing Equal Attention

    Cybersecurity and Climate: Two Emerging Risks Needing Equal Attention 770 512 Davis Cherry

    In May 2016, Cybersecurity Ventures released its Cybersecurity 500 list, a “global compilation of leading companies who provide cybersecurity solutions and services.” Already at approximately $400M per year, cybersecurity is calculated to cost for the global economy could reach $3 trillion by 2020. Meanwhile, extreme weather and climate events may already be costing the global economy $1.2 trillion per year—so who is at the top of the “Climatesecurity 500”?

    Well, we couldn’t find such a large list, or even a list.

    With such comparable magnitudes of costs, one would expect a similar number of firms and innovators in this space. One might argue that big consulting firms like PwC and KPMG are occupying the climate risk space, but, they also have large cybersecurity offerings which don’t seem to crowd out hundreds of other cyber solutions and services.

    Cyber and climate risks share similar features, such as global reach, potential to shut down operations for extended periods of time and ability to impact critical infrastructure, such as electricity grids.

    One explanation could be that cyber attacks can include the extraction of customer data and direct attacks of financial assets that can lead to significant reputational damage and lasting distrust of corporations by their customers. It is also easier to put a face on cyber crime—whether it is a government, individual or hive of hackers—and know what their motives are—primarily to steal financial data, but also acquisition of company and state secrets, espionage, retribution or simply “bragging rights.”

    Climate risks are much more random, faceless and often considered “acts of God.” Companies may also be under a false sense of security thinking that they are already managing climate risks by tracking historical flooding, storm, temperature, fire, etc… data—we have seen, time and time again, that the past is a poor predictor of the future. Further, the presentation of climate data—in long-term projections and at regional spacial scales—can make addressing these risks seem very far removed as a C2ES survey finds that companies are lacking ” ‘actionable science’ that helps them understand locally-specific risks or risk scenarios.”

    Comparison and analysis of the maturation of these two markets warrants greater analysis and there could be a variety of other reasons for this differentiation. But, the stakes are so high, its important to find out how risk information can better disseminate across companies and communities.

    To help move the industry forward, Adapt Ready is focused on helping customers and the world better understand the real risks they face, take action and avoid losses. Hopefully we will soon see a list of company’s helping the world adapt to one of the other biggest security threats of our time.

    More Than a Metric: Multiple Data Points Must be Considered to Understand Climate Risks

    More Than a Metric: Multiple Data Points Must be Considered to Understand Climate Risks 860 460 Davis Cherry

    If each incremental increase in global temperatures matched precisely to an equivalent increase in climate and extreme weather risks, planning for the future would be much easier. However, the earth’s climate system is non-linear, most famously exemplified by MIT meteorologist Edward Lorenz in the “butterfly effect“—this phenomenon inspired Adapt Ready’s logo by the way.

    A recent article in nature, Make climate-change assessments more relevant, explores the dynamic and multi-faceted aspects of translating climate data into information relevant to decision-makers. At the most sophisticated level, quantitative climatic data can be contextualized not only into local geographic and ecosystem conditions, but also with cultural responses to change and communities’ adaptive capacity. The authors call for greater academic research on these interactions.

    The article also describes the non-linearity of sea-level rise and other impacts with global temperature increases—small island states will suffer proportionately more devastating impacts compared to large nations even with the same level of sea-level rise. Also, warming may steadily increase while no strong effects are observed from polar ice melt … until a certain threshold is met, which could unleash rapid and devastating change.

    Measuring these risks are difficult enough if we knew exactly the trajectory of global temperature increase over the coming decades. Unfortunately, we must add another layer of complexity—uncertainty of future global greenhouse gas emissions. Affordability of clean technologies and government policy responses are some of the variables the article notes can influence future emissions, and, in turn, climate and extreme weather impacts.

    a 3

    It may seem like putting significant effort into understanding future risks with so many variables that increase uncertainty is an overly-burdensome task, however, as major investment management firm BlackRock argues:

    It is tempting to think the risks are hypothetical and that, if they were to erupt, could not have been foreseen anyway. This leads to complacency. Global insurers and reinsurers learned their lesson the hard way – the insurance sector was nearly wiped out (with 11 bankruptcies) after Hurricane Andrew in 1992, the costliest natural disaster before another US storm, Hurricane Katrina.

    But with better preparation, the industry was left relatively “unscathed” after a record year of claims in 2011.

    Sticking heads in the sand is not an option for countries, organizations and companies that want to be prepared and profitable in the coming years. And science, technology and policies are moving forward every day that advance our collective understanding of future risks. This is why Adapt Ready provides insights from multiple sources of climate risk data, updated and dynamically incorporated so that customers can assess their risks holistically and make the best decisions possible.

    First Half of 2016 Reveals Industry Climate Risks and Accelerating Global Threats

    First Half of 2016 Reveals Industry Climate Risks and Accelerating Global Threats 900 500 Davis Cherry

    While we increasingly hear about record-setting temperatures or unusual weather patterns and extreme events, evidence of concrete, climate-related, business losses is also mounting.

    This May the energy industry in Canada experienced significant cut backs due to unprecedented wildfires in Alberta. Specifically, the fires led to a reduction of tar sands production by about one-third, or 800,000 barrels per day, according to data released by the U.S. Energy Information Administration.

    Screen Shot 2016-06-27 at 4.14.56 PM

    Tar sands is clearly one of the least environmentally beneficial sources of energy production. However, this highlights a growing risk for the entire energy industry’s infrastructure, pipelines and transmission systems.

    Meanwhile, weather and climate extreme events continue to “shatter records” as The Guardian reports that “May was the 13th month in a row to break temperature records.” This is one of seven 2016 climate records The Guardian has compiled for this year, others include:

    • The Arctic had its warmest winter on record in 2015-16
    • India recorded its hottest day ever
    • Alaska had the warmest spring ever
    • The size of the increase in atmospheric CO2 concentrations is expected to set a record for largest year-on-year increase
    • Australia record its hottest fall ever
    • Massive coral bleaching occurred in the Great Barrier Reef

    Add to this a recent statement by climate scientist Michael Mann that we can expect scorching heat in the U.S. Southwest to become the new normal and the need for both mitigation and adaptation has never been clearer.