Welcome to the 2021 report from Willis Towers Watsonin partnership with Clyde & Co LLP. For the first time,this report is a truly international affair, with contributionsfrom colleagues across our offices including the UK, theUS, Australia, the Netherlands and Spain. The geographicspread of the respondents to our survey can be seenon page 5 in Figure 2, while their industry distribution isshown in Figure 1. We took the opportunity this year toask new questions, some of which are inspired specificallyby the COVID-19 pandemic and some of which are simplyreflections of changing social mores and you will see in thisreport that considerable effort has been taken to show thecomparison between the perceptions of the risks in thedifferent regions (see, for example figures 4 and 5 on pages7-8.