Description: A belated Happy New Year to all our readers and welcome to our first edition of 2024. Our cover story from Raman Uppal from EDHEC Business School examines demystifying ESG saying that it is imperative for actuarial professionals to dissect the skeptical arguments surrounding ESG investing and understand why they are fundamentally flawed. Stephen Cunningham from Avaya provides an insight into how AI is changing the face of insurance CX as with the rise in consumer expectations, insurers must look to CX-enhancing tech solutions to get ahead. In keeping with the first edition of the year and looking forward Ed Harrison from LCP explores the risk function of the future as he summarises key themes from their conversations with over 50 CROs from across the market. Our other regular authors, as always, provide their own insights into topical issues from front end fraud detection to pensions and divorce. I trust you enjoy our first foray into 2024 and I look forward to welcoming you back next month.