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Reasons from TCFD/IFRS S2 four-pillar disclosure, NGFS Phase V orderly/disorderly/hot-house scenarios, hazard–exposure–vulnerability and RMS/AIR/CLIMADA cat economics, transition carbon-price and stranded-asset pathways, and PCAF financed emissions while treating exposure geocoding quality, Kotz damage-function retraction, and scenario-not-forecast misuse as first-class failure modes.