Read the following article summary. In light of this summary, answer the questions that follows:

South Africa: Impact of the unrest on businesses and the employment relationship The recent unrest and looting in South Africa have had a severe impact on businesses and employers in the country. Such businesses have had to address urgent issues including concerns regarding insurance cover, invoking force majeure clauses, ensuring employee health and safely, assisting affected or stranded employees and implementing disciplinary action for employees caught taking part in the looting. Adapted from: South Africa, Impact of the unrest on businesses and the employment relationship, Johan Botes Accessed from: https://www.globalcompliancenews.com/2021/08/02/south-africa-impact-of-theunrest-on-businesses-and-the-employment-relationship-19072021/

Q.3.1 Many businesses suffered consequential losses due to the unrest. Explain what consequential loss (business interruption) programme deals with and predict any five possible sources of consequential losses. Provide practical examples. (12)

Q.3.2 Explain what retention funding is and the reason why a risk manager might implement retention funding.