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This afternoon in my presentation , I plan on giving you a very quick overview of the rating process at Standard & Poor 's , a recap , if you will , of the health of the life insurance industry from our perspective for both North America and Europe , and then really delve more into the tools that we use to assess the risk at the life insurance entities that we rate , and then speak , if we have time , of course , to some of the challenges ahead for the life insurance industry . ZAMBIA ( flood ) The Post of Zambia / All Africa Global Media via COMTEX reported that the current outbreak of cholera in Lusaka is reportedly due to poor sanitary conditions that have been worsened by flooding from the recent heavy downpours . That will be something we will be looking for , and certainly looking at companies ' active asset / liability management has been key as we've analyzed life insurance entities , and we do n't suspect that is going to change prospectively . UGANDA ( flood ) New Vision / All Africa Global Media via COMTEX reported that one individual was killed by a landslide , and more than 50 homes were destroyed , leaving more than 300 individuals homeless , when floods hit several parts of Kasese district . But to realize global implementations for such systems the industry must demonstrate coexistence with established data-transmission systems , including radio systems . BOTSWANA ( drought ) Mmegil / The Reported / All African Global Media via COMTEX reported that wildlife in the Makgadikgadi Pans National Park is dying . Target customers became the top national and global firms , and these paid a premium for specialists . IUCN 's Ecosystem Management Programme has initiated the organisation of a Global Biodiversity Forum on arid lands from 22-24 August in Havana , Cuba , in conjunction with the sixth Conference of the Parties to the UNCCD .