What Were They Protesting At The Travelers Championship?

Are you planning a trip to Vietnam and curious about current events that might impact your travel experience? SIXT.VN is here to keep you informed and ensure your journey is smooth and enjoyable. Let’s delve into understanding the motivations behind the protests at the Travelers Championship and how these issues tie into broader environmental and social concerns relevant to your travels. Discover insights into sustainable travel practices and cultural sensitivity, helping you make informed decisions for a responsible and enriching visit.

1. Why Were Climate Activists Protesting at the Travelers Championship?

Climate activists protested at the Travelers Championship to pressure Travelers Insurance to stop underwriting fossil fuels. These protests aimed to highlight Travelers Insurance’s significant role in insuring the oil and gas industry, urging the company to adopt policies that limit support for fossil fuel projects. The activists, including members of the Connecticut Citizen Action Group, Sierra Club Connecticut, and the Insure Our Future Coalition, marched alongside the TPC River Highlands golf course, chanting “Travelers underwrites climate change ” Their message underscored the urgent need for insurers to divest from fossil fuels and invest in sustainable alternatives to combat climate change.

Travelers Insurance, identified as one of the top three insurers of the oil and gas industry, has faced increasing scrutiny for its lack of formal policies to limit support for oil and gas projects. Activists argue that Travelers’ continued investment in fossil fuels contributes to climate change, impacting communities and ecosystems worldwide.

The protests at the Travelers Championship reflect a growing global movement calling on financial institutions to take responsibility for their environmental impact. According to a report by the United Nations Environment Programme Finance Initiative, insurers have a crucial role to play in mitigating climate change by shifting their investments away from fossil fuels and towards renewable energy projects. This shift can help reduce carbon emissions and promote a more sustainable future.

The activists also aimed to raise awareness among the public and Travelers’ investors. Last month, Travelers faced an unprecedented challenge from investors with two climate resolutions on the ballot, one of which passed at the company’s annual general meeting (AGM) on May 25. This indicates a growing concern among shareholders about the company’s environmental policies.

Bernadette Demientieff, Executive Director of the Gwich’in Steering Committee, emphasized the impact of Travelers’ actions on Indigenous communities in the Arctic. She stated that Travelers continues to dismiss the voice of the Gwich’in people by ignoring their concerns about the decline of their homelands due to climate change fueled by fossil fuels. Her words underscore the human cost of climate change and the importance of listening to the voices of those most affected.

The protest serves as a reminder of the interconnectedness of environmental, social, and economic issues. By targeting a high-profile event like the Travelers Championship, activists aimed to amplify their message and hold Travelers Insurance accountable for its role in perpetuating the climate crisis.

2. What is the Insure Our Future Coalition and Their Goals?

The Insure Our Future coalition is a campaign comprising environmental, consumer protection, and grassroots organizations holding the U.S. insurance industry accountable for its role in the climate crisis. Their primary goal is to promote a rapid shift of the insurance industry away from supporting and financing fossil fuels and accelerate the transition to a clean energy economy. The coalition operates as part of the global Insure Our Future campaign, advocating for policies that restrict insurance for new oil and gas projects.

The Insure Our Future coalition focuses on several key objectives:

• Ending Insurance for Fossil Fuel Projects: The coalition pressures insurance companies to stop providing coverage for new coal, oil, and gas projects. This includes projects such as pipelines, coal mines, and oil drilling in sensitive areas like the Arctic National Wildlife Refuge.

• Divesting from Fossil Fuels: The coalition calls on insurers to divest their investments from fossil fuel companies. This means selling off stocks and bonds in companies that extract, process, or transport fossil fuels.

• Investing in Clean Energy: The coalition encourages insurers to invest in renewable energy projects and other sustainable solutions. This includes projects such as solar farms, wind farms, and energy efficiency programs.

• Advocating for Strong Climate Policies: The coalition supports policies that promote a rapid transition to a clean energy economy. This includes policies such as carbon pricing, renewable energy standards, and energy efficiency mandates.

According to a report by the Insure Our Future campaign, ten major insurers have policies restricting insurance for new oil and gas projects, and thirteen insurers have adopted restrictions on insuring oil and gas drilling in the Arctic National Wildlife Refuge. These policies demonstrate a growing recognition within the insurance industry of the need to address climate change.

The coalition uses a variety of tactics to achieve its goals, including:

• Public Protests: Organizing protests and demonstrations at insurance industry events and corporate offices.

• Shareholder Advocacy: Engaging with insurance companies as shareholders to push for stronger climate policies.

• Research and Reporting: Publishing reports and research that expose the insurance industry’s role in the climate crisis.

• Policy Advocacy: Lobbying policymakers to adopt strong climate policies.

The Insure Our Future coalition plays a crucial role in raising awareness about the insurance industry’s impact on climate change and advocating for policies that promote a more sustainable future. Their work helps to hold insurance companies accountable for their environmental impact and encourages them to take meaningful action to address the climate crisis.

3. How Does Travelers Insurance’s Investment in Fossil Fuels Impact the Environment?

Travelers Insurance’s investment in fossil fuels significantly impacts the environment by contributing to climate change and its associated effects. As one of the top insurers of the oil and gas industry, Travelers supports projects that extract, process, and transport fossil fuels, leading to increased greenhouse gas emissions. These emissions trap heat in the atmosphere, causing global warming, rising sea levels, and more frequent and intense extreme weather events.

The specific environmental impacts of Travelers Insurance’s investment in fossil fuels include:

• Increased Greenhouse Gas Emissions: Burning fossil fuels releases carbon dioxide (CO2), methane (CH4), and other greenhouse gases into the atmosphere. CO2 is the primary driver of climate change, while methane is a potent greenhouse gas with a shorter lifespan but a much higher warming potential. According to the Intergovernmental Panel on Climate Change (IPCC), limiting global warming to 1.5 degrees Celsius requires rapid and deep reductions in greenhouse gas emissions across all sectors.

• Air and Water Pollution: Fossil fuel extraction and processing can lead to air and water pollution. Coal mining, for example, can release harmful pollutants into the air and water, while oil spills can contaminate ecosystems and harm wildlife. According to the U.S. Environmental Protection Agency (EPA), air pollution from fossil fuels can cause respiratory problems, heart disease, and other health issues.

• Habitat Destruction: Fossil fuel projects can destroy habitats and disrupt ecosystems. Pipelines, for example, can fragment forests and disrupt wildlife migration patterns, while oil drilling can damage sensitive ecosystems like wetlands and coral reefs. According to the World Wildlife Fund (WWF), habitat destruction is a major driver of biodiversity loss.

• Climate Change Impacts: Climate change caused by fossil fuel emissions can lead to a variety of environmental impacts, including rising sea levels, more frequent and intense extreme weather events, and changes in precipitation patterns. These impacts can threaten coastal communities, disrupt agriculture, and lead to water shortages. According to the National Oceanic and Atmospheric Administration (NOAA), the frequency and intensity of extreme weather events have increased in recent decades due to climate change.

Travelers Insurance’s investment in fossil fuels not only contributes to environmental damage but also poses financial risks. Climate change can lead to increased insurance claims due to extreme weather events, which can impact the company’s profitability. Additionally, as the world transitions to a clean energy economy, fossil fuel assets may become stranded, leading to financial losses for investors.

By continuing to invest in fossil fuels, Travelers Insurance is not only harming the environment but also putting its own financial future at risk. Shifting investments away from fossil fuels and towards renewable energy projects would be a more sustainable and responsible approach.

4. What Actions Can Travelers Insurance Take to Address Climate Change?

Travelers Insurance can take several concrete actions to address climate change and reduce its environmental impact. These actions include:

• Setting a Timeline for Ending Underwriting and Investments in Fossil Fuels: Travelers can commit to phasing out its insurance coverage and investments in fossil fuel projects over a specific timeframe. This would send a clear signal to the market that the company is serious about addressing climate change.

• Developing Policies that Restrict Insurance for New Fossil Fuel Projects: Travelers can adopt policies that prohibit insurance for new coal mines, oil and gas drilling projects, and other fossil fuel infrastructure. This would help to prevent the expansion of the fossil fuel industry and reduce greenhouse gas emissions.

• Divesting from Fossil Fuel Companies: Travelers can sell off its stocks and bonds in fossil fuel companies. This would reduce the company’s exposure to the financial risks associated with fossil fuels and send a message that it is no longer supporting the industry.

• Investing in Renewable Energy: Travelers can invest in renewable energy projects such as solar farms, wind farms, and energy efficiency programs. This would help to accelerate the transition to a clean energy economy and reduce greenhouse gas emissions.

• Engaging with Policymakers: Travelers can use its influence to advocate for policies that promote a rapid transition to a clean energy economy. This includes policies such as carbon pricing, renewable energy standards, and energy efficiency mandates.

• Supporting Climate Research: Travelers can support research on climate change and its impacts. This would help to improve our understanding of the problem and develop solutions.

• Reducing Its Own Carbon Footprint: Travelers can take steps to reduce its own carbon footprint by improving energy efficiency in its offices, reducing business travel, and purchasing renewable energy.

According to a report by Ceres, a non-profit organization that works with investors and companies to address sustainability challenges, insurance companies have a unique opportunity to lead the way on climate action. By using their influence as investors and insurers, they can help to drive the transition to a clean energy economy.

By taking these actions, Travelers Insurance can demonstrate its commitment to addressing climate change and protecting the environment. This would not only benefit the planet but also enhance the company’s reputation and long-term financial performance.

5. How Do U.S. Insurers Compare to Global Peers in Addressing Climate Change?

U.S. property and casualty insurers are lagging far behind their global peers when it comes to reducing emissions and curbing underwriting for fossil fuels, undermining global efforts by the insurance industry to tackle the climate crisis. While many European and Australian insurers have adopted policies to restrict insurance for coal and other fossil fuel projects, U.S. insurers have been slow to take action. This is due to a number of factors, including political pressure, a lack of regulatory requirements, and a focus on short-term profits.

According to a report by the Insure Our Future campaign, ten major insurers have policies restricting insurance for new oil and gas projects, and thirteen insurers have adopted restrictions on insuring oil and gas drilling in the Arctic National Wildlife Refuge. However, the vast majority of these insurers are based in Europe or Australia. U.S. insurers such as Travelers, AIG, and Liberty Mutual have faced increasing pressure from activists and investors to adopt similar policies, but they have so far resisted.

The lack of action by U.S. insurers is particularly concerning because the U.S. insurance industry makes up the largest share of oil and gas underwriting in the world and enables the expansion of fossil fuel infrastructure that the climate cannot afford. This means that U.S. insurers have a significant impact on global greenhouse gas emissions.

There are several reasons why U.S. insurers have been slow to take action on climate change:

• Political Pressure: U.S. insurers face political pressure from fossil fuel companies and their allies, who argue that restricting insurance for fossil fuel projects would harm the economy.

• Lack of Regulatory Requirements: Unlike Europe and Australia, the U.S. does not have strong regulatory requirements for insurers to address climate change.

• Focus on Short-Term Profits: U.S. insurers are often focused on short-term profits, which can make it difficult to justify investments in climate action.

Despite these challenges, there are signs that U.S. insurers are beginning to take climate change more seriously. Some insurers have started to invest in renewable energy projects, and others have begun to engage with policymakers on climate issues. However, much more needs to be done to bring U.S. insurers in line with their global peers.

6. How Can Individuals Support the Movement for Insurers to Divest from Fossil Fuels?

Individuals can play a significant role in supporting the movement for insurers to divest from fossil fuels through various actions. These actions collectively amplify the pressure on insurance companies to adopt more sustainable practices. Here are some effective ways to contribute:

• Raising Awareness:

  • Share Information: Use social media, community events, and personal networks to educate others about the role of insurers in the climate crisis and the importance of divestment.
  • Write Letters to the Editor: Submit letters to local and national newspapers expressing concerns about insurers’ fossil fuel investments and urging them to divest.

• Engaging with Insurers:

  • Contact Insurers Directly: Write letters, send emails, or call insurance companies to voice concerns about their fossil fuel investments and request information about their climate policies.
  • Attend Shareholder Meetings: If you are a shareholder, attend annual meetings and vote in favor of climate-related resolutions.

• Supporting Advocacy Groups:

  • Join Environmental Organizations: Become a member of organizations like the Insure Our Future coalition, Sierra Club, or local environmental groups that advocate for fossil fuel divestment.
  • Donate to Support Campaigns: Contribute financially to these organizations to support their research, advocacy, and public awareness efforts.

• Making Personal Choices:

  • Choose Sustainable Insurers: If possible, switch to insurance companies that have committed to divesting from fossil fuels and investing in renewable energy.
  • Reduce Your Carbon Footprint: By reducing your personal carbon footprint, you contribute to the overall effort to combat climate change.

• Participating in Protests and Demonstrations:

  • Join Rallies and Marches: Participate in demonstrations and protests that target insurance companies and other financial institutions that support the fossil fuel industry.
  • Organize Local Events: Organize local events to raise awareness about the issue and encourage others to take action.

By taking these actions, individuals can help to create a groundswell of support for fossil fuel divestment and put pressure on insurers to adopt more sustainable practices. This collective effort can help to accelerate the transition to a clean energy economy and protect the planet for future generations.

7. What are the Potential Economic Benefits of Insurers Investing in Renewable Energy?

Insurers investing in renewable energy can yield substantial economic benefits, contributing to both their financial performance and the broader economy. These benefits include:

• Diversification of Investment Portfolios:

  • Reduced Risk: Renewable energy investments can diversify insurers’ portfolios, reducing their exposure to the volatility of the fossil fuel market.
  • Stable Returns: Renewable energy projects often provide stable, long-term returns, which can help insurers meet their financial obligations.

• Growth of the Renewable Energy Sector:

  • Job Creation: Investments in renewable energy can create new jobs in manufacturing, installation, and maintenance, stimulating economic growth. According to the International Renewable Energy Agency (IRENA), the renewable energy sector employed 11.5 million people worldwide in 2020.
  • Technological Innovation: Increased investment in renewable energy can drive technological innovation, leading to more efficient and cost-effective renewable energy solutions.

• Reduced Climate-Related Risks:

  • Lower Insurance Claims: By supporting the transition to a clean energy economy, insurers can help to reduce the frequency and severity of climate-related disasters, leading to lower insurance claims.
  • Protection of Assets: Investing in renewable energy can help to protect insurers’ assets from the physical impacts of climate change, such as sea-level rise and extreme weather events.

• Enhanced Reputation and Brand Value:

  • Attracting Customers: Consumers are increasingly concerned about climate change and are more likely to support companies that are taking action to address the issue.
  • Attracting Investors: Investors are also increasingly focused on environmental, social, and governance (ESG) factors, and are more likely to invest in companies that have strong ESG performance.

• Compliance with Regulations:

  • Meeting Regulatory Requirements: As governments around the world implement policies to reduce greenhouse gas emissions, insurers that invest in renewable energy will be better positioned to comply with these regulations.
  • Accessing Government Incentives: Many governments offer incentives, such as tax credits and subsidies, to encourage investment in renewable energy.

According to a report by the United Nations Environment Programme Finance Initiative, insurers have a crucial role to play in mobilizing capital for the transition to a low-carbon economy. By investing in renewable energy, insurers can help to create a more sustainable and prosperous future.

8. How Does Climate Change Impact the Insurance Industry?

Climate change significantly impacts the insurance industry, posing both challenges and opportunities. The increasing frequency and severity of extreme weather events, such as hurricanes, floods, wildfires, and droughts, lead to higher insurance claims and financial losses. Additionally, climate change can affect the value of assets that insurers hold, such as real estate and infrastructure.

Here are some specific ways that climate change impacts the insurance industry:

• Increased Claims Payouts:

  • Extreme Weather Events: Climate change is increasing the frequency and intensity of extreme weather events, leading to higher claims payouts for property damage, business interruption, and other losses.
  • Rising Sea Levels: Rising sea levels can lead to increased flooding and coastal erosion, damaging properties and infrastructure and increasing insurance claims.

• Higher Reinsurance Costs:

  • Reinsurance: Insurers often purchase reinsurance to protect themselves from large losses. As climate change increases the risk of extreme weather events, reinsurance costs are rising, making it more expensive for insurers to manage their risks.

• Asset Valuation Risks:

  • Stranded Assets: As the world transitions to a low-carbon economy, fossil fuel assets may become stranded, losing their value. Insurers that hold these assets in their investment portfolios may face financial losses.
  • Physical Risks: Climate change can damage or destroy physical assets, such as real estate and infrastructure, reducing their value. Insurers that hold these assets in their investment portfolios may face financial losses.

• Regulatory and Legal Risks:

  • Climate-Related Regulations: Governments around the world are implementing policies to reduce greenhouse gas emissions, which can impact the insurance industry. Insurers may face new regulatory requirements, such as mandatory climate risk disclosures.
  • Climate-Related Lawsuits: Insurers may face lawsuits from policyholders and other stakeholders who claim that they have failed to adequately address climate risks.

• Reputational Risks:

  • Public Perception: Consumers are increasingly concerned about climate change and are more likely to support companies that are taking action to address the issue. Insurers that are seen as contributing to climate change may face reputational damage.

According to a report by the Geneva Association, a leading international insurance think tank, climate change poses a systemic risk to the insurance industry. Insurers need to take action to manage these risks and adapt to a changing climate. This includes:

• Developing Climate Risk Models: Insurers need to develop sophisticated models to assess the risks posed by climate change.
• Integrating Climate Risks into Underwriting and Investment Decisions: Insurers need to integrate climate risks into their underwriting and investment decisions.
• Engaging with Policymakers: Insurers need to engage with policymakers to advocate for policies that promote climate resilience.

By taking these actions, insurers can protect themselves from the impacts of climate change and contribute to a more sustainable future.

9. What is the Role of Indigenous Leaders in the Fight Against Fossil Fuel Investments?

Indigenous leaders play a crucial role in the fight against fossil fuel investments, bringing unique perspectives, traditional knowledge, and a deep connection to the land and environment. Their voices are essential in advocating for the protection of Indigenous rights, cultural heritage, and the preservation of ecosystems threatened by fossil fuel extraction and infrastructure.

Here are some key aspects of the role of Indigenous leaders:

• Protecting Indigenous Rights and Cultural Heritage:

  • Defending Treaty Rights: Indigenous leaders often advocate for the enforcement of treaty rights that protect their land, resources, and way of life from the impacts of fossil fuel development.
  • Preserving Cultural Heritage: They work to protect sacred sites, cultural landscapes, and traditional practices that are threatened by fossil fuel projects.

• Advocating for Environmental Protection:

  • Traditional Ecological Knowledge: Indigenous leaders possess traditional ecological knowledge (TEK) that provides valuable insights into the sustainable management of natural resources and the impacts of climate change.
  • Protecting Biodiversity: They advocate for the protection of biodiversity and ecosystems that are essential for the well-being of their communities and the planet.

• Raising Awareness and Mobilizing Support:

  • Sharing Stories and Experiences: Indigenous leaders share their stories and experiences to raise awareness about the impacts of fossil fuel development on their communities and the environment.
  • Building Alliances: They build alliances with environmental organizations, human rights groups, and other stakeholders to amplify their voices and mobilize support for their cause.

• Promoting Sustainable Alternatives:

  • Renewable Energy Projects: Indigenous leaders often promote renewable energy projects as sustainable alternatives to fossil fuels, creating economic opportunities for their communities while protecting the environment.
  • Sustainable Resource Management: They advocate for sustainable resource management practices that respect the integrity of ecosystems and ensure the long-term well-being of their communities.

• Legal and Political Advocacy:

  • Filing Lawsuits: Indigenous leaders often file lawsuits to challenge fossil fuel projects that violate their rights or threaten their environment.
  • Lobbying Policymakers: They lobby policymakers to adopt policies that protect Indigenous rights, promote environmental protection, and support the transition to a clean energy economy.

Bernadette Demientieff, Executive Director of the Gwich’in Steering Committee, exemplifies the role of Indigenous leaders in the fight against fossil fuel investments. Her advocacy for the protection of the Arctic National Wildlife Refuge and her call for Travelers Insurance to address the decline of Indigenous homelands due to climate change highlight the importance of listening to the voices of Indigenous peoples in addressing the climate crisis.

By amplifying the voices of Indigenous leaders and supporting their efforts, we can help to ensure that fossil fuel investments do not come at the expense of Indigenous rights, cultural heritage, and the environment.

10. What Can Tourists Do to Support Sustainable and Ethical Travel in Destinations Affected by Climate Change?

Tourists can significantly contribute to sustainable and ethical travel in destinations affected by climate change by making informed choices that minimize their environmental impact and support local communities. By adopting responsible travel practices, tourists can help preserve the natural and cultural heritage of these destinations while promoting economic opportunities for local residents.

Here are some specific actions that tourists can take:

• Choose Eco-Friendly Accommodations:

  • Sustainable Hotels: Select hotels and guesthouses that have implemented eco-friendly practices, such as energy and water conservation, waste reduction, and the use of sustainable materials.
  • Local Ownership: Support locally owned accommodations that contribute to the local economy and provide authentic cultural experiences.

• Minimize Your Carbon Footprint:

  • Offset Carbon Emissions: Purchase carbon offsets to compensate for the greenhouse gas emissions generated by your flights and other travel activities.
  • Use Public Transportation: Utilize public transportation, such as buses, trains, and trams, to get around destinations.
  • Walk or Bike: Explore destinations on foot or by bicycle to reduce your carbon footprint and experience the local culture more intimately.

• Support Local Businesses:

  • Eat at Local Restaurants: Dine at local restaurants that serve traditional cuisine made with locally sourced ingredients.
  • Shop at Local Markets: Purchase souvenirs and handicrafts from local markets and artisans, supporting local economies and preserving traditional skills.

• Respect Local Culture and Environment:

  • Learn About Local Customs: Familiarize yourself with local customs and etiquette to avoid causing offense and show respect for the local culture.
  • Protect Natural Resources: Avoid activities that damage natural resources, such as littering, trampling vegetation, or disturbing wildlife.
  • Conserve Water and Energy: Practice water and energy conservation in your accommodations and during your activities.

• Choose Responsible Tour Operators:

  • Sustainable Tours: Select tour operators that offer sustainable and responsible tours that minimize environmental impact and benefit local communities.
  • Community-Based Tourism: Support community-based tourism initiatives that empower local communities to manage their own tourism resources and benefit from tourism revenues.

• Educate Yourself and Others:

  • Learn About Climate Change Impacts: Educate yourself about the impacts of climate change on the destinations you visit and the challenges faced by local communities.
  • Share Your Experiences: Share your experiences with others to raise awareness about sustainable and ethical travel and inspire them to adopt responsible travel practices.

By making conscious choices and adopting responsible travel practices, tourists can help to protect destinations affected by climate change and support the well-being of local communities. This can lead to more meaningful and enriching travel experiences while contributing to a more sustainable and equitable world.

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FAQ Section

Q1: What exactly were the climate activists protesting at the Travelers Championship?
The climate activists were protesting to pressure Travelers Insurance to stop underwriting and investing in fossil fuels, advocating for a shift towards renewable energy sources.

Q2: What is the Insure Our Future coalition aiming to achieve?
The Insure Our Future coalition aims to hold the U.S. insurance industry accountable for its role in the climate crisis and push for a rapid transition away from fossil fuels.

Q3: How does Travelers Insurance’s investment in fossil fuels affect the environment?
Travelers Insurance’s investment in fossil fuels contributes to increased greenhouse gas emissions, air and water pollution, and habitat destruction, exacerbating climate change.

Q4: What actions can Travelers Insurance take to mitigate climate change?
Travelers Insurance can set a timeline for ending fossil fuel investments, develop policies restricting insurance for new projects, and invest in renewable energy, among other measures.

Q5: How do U.S. insurers compare to global peers in addressing climate change issues?
U.S. insurers are lagging behind their global counterparts in reducing emissions and curbing underwriting for fossil fuels, undermining global climate efforts.

Q6: What can individuals do to support the movement for insurers to divest from fossil fuels?
Individuals can raise awareness, engage with insurers, support advocacy groups, make sustainable personal choices, and participate in protests to support the movement.

Q7: What are the potential economic benefits if insurers start investing in renewable energy?
Insurers investing in renewable energy can benefit from diversified investment portfolios, the growth of the renewable energy sector, reduced climate-related risks, and enhanced reputation.

Q8: How does climate change directly impact the insurance industry?
Climate change leads to increased claims payouts, higher reinsurance costs, asset valuation risks, and regulatory and reputational risks for the insurance industry.

Q9: What is the importance of Indigenous leaders in advocating against fossil fuel investments?
Indigenous leaders protect Indigenous rights, advocate for environmental protection, raise awareness, promote sustainable alternatives, and engage in legal and political advocacy against fossil fuel investments.

Q10: What steps can tourists take to support sustainable and ethical travel in destinations affected by climate change?
Tourists can choose eco-friendly accommodations, minimize their carbon footprint, support local businesses, respect local culture and the environment, and choose responsible tour operators.