The concept of the value of biodiversity and ecosystem services hence needs to be explored and problematised, and an assessment of such values should relate the values to the relevant context as well as identifying persons and organisations that assigned the value. See Figure 12 for examples of different kinds of assessments of values. In relation to this, the insurance value (or resilience value), multifunctionality and contingency value of ecosystems are of interest. The “insurance value" refers to the ability of ecosystems and biodiversity to provide ecosystem services in times of change.