I 20. Cyber threats involve a wide array of evolving threats. So cyber risk management involves A. Early detection, decisive containment and recovery B. Ubiquitous hygiene and cultural embrace C. Integration into overall business risk management D. Appropriate controls E. All of the above F. A and C 21. Regarding climate-related risks and the regulatory capital framework for banks: A. Capital can be used for the consequences, not the causes of climate change B. Climate-related financial risks are partially captured by current frameworks, but there are gaps C. Estimating the materiality of these gaps raises fundamental questions D. More research is required on the materiality of any gaps, and options to address them E. A and B F. All of the above