Civil commotion draft clauses were finalised for publication, including protest, strike and riot exclusions. Event cancellation wording updates were reviewed, particularly the interruption example. The CrowdStrike cyber clause was published, and the US version of the mental health questionnaire was near completion, incorporating state data privacy requirements. Communicable disease and covid exclusion advice was pending legal feedback. The panel discussed the recent power outage in Spain and Portugal, with speculation about cyber causes. Plans for a social event to boost engagement were agreed.