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Business does not operate in a vaccum risks are mitigated and plans wether economic or environmental such as Co2 emissions are factored into the 'cost of doing business.' According to a 2005 report from the Association of British Insurers, limiting carbon emissions could avoid 80% of the projected additional annual cost of tropical cyclones by the 2080s.[ A June 2004 report by the Association of British Insurers declared "Climate change is not a remote issue for future generations to deal with. It is, in various forms, here already, impacting on insurers' businesses now."