The only thing we know for sure about the pending new normal is that it will be different from the old normal.  Business transformation and innovation have never been more important factors in the long term success of a business.  In some ways this brings new risks to the strategy, however, expecting to remain the same brings even greater risks.  In this episode, Justin Gress from AXA XL joins us to discuss strategies for transformation and innovation.  Listen and learn from his experience in identifying opportunities, managing the risks and implementing change.