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From this article Could you help me to identify and pick it from one of the two ERM quadrants that are typically speculative in nature

From this article Could you help me to identify and pick it from one of the two ERM quadrants that are typically speculative in nature - and explain what the risk is, why it is speculative, and why it come from that quadrant

https://www.advisenltd.com/2015/09/23/do-insurance-tower-likely-most-affected-by-volkswagen-scandal/

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