Description: As the clocks go back, we publish days before the Autumn Budget and of course Halloween. When we next publish the magazine, we will see how accurate the current scare stories become. Will Rachel Reeves repeat history with another Government pension cash grab. Time will tell. The cover story this month is from Neil Gunn and Daniel Bannister from WTW looks at the growing challenge for global supply chains due to extreme drought and risk management in this area. As per usual our cohort of regular contributors offer their insights to topical themes including Louise Johnson from LexisNexis Risk examining how email intelligence can help exorcise ghost brokers. Kirsty Whitmore concludes her three-part Student Takeover series by interviewing Jade Lagrue, an Associate Consultant at LCP, and the Chair of the London Market students Group (LMSG). We look forward to welcoming you back next month.