creating the incentives needed to expand access to credit and insurance markets is an example of government activity that would contribute to reducing the structural inequalities constraining the capacity of people to diversify their livelihoods and adapt to climate change climate change resilience will demand that social economic and ecological systems become capable of reorganizing so as to maintain their essential functions identity and structure while also maintaining their capacity for adaptation learning and transformation this will pave the way towards sustainable development as long as the structural inequalities that drive poverty social exclusion and vulnerability are addressed at the same time it identifies concrete areas where national efforts will need to be supplemented through enhanced international cooperation the chapter builds upon the idea that climate hazards and inequalities are locked in a vicious cycle whereby those hazards affect people experiencing socioeconomic vulnerability disproportionately