Changing coastal conditions have increased the likelihood of flooding in many parts of the world.  Warming waters have increased the severity of storms. The internet poses challenges to cybersecurity, while social media can destroy a company’s reputation overnight. These are only some of the many challenges facing businesses today and planning for them is the first line of defense. This ADP Resiliency Plan is a good reference tool. Being an international company responsible for paying one in every six people in the US and serving over 700,000 clients with millions of employees in 113 countries, they must be prepared for disaster because their clients not only depend on it, but they demand it.