As a consultant for the United Nations, the purpose of this report is to address the issues raised by some of the member states of the United Nations during my last presentation. The subjects I will address are civil war, poor health of entire populations, lack of educational opportunities, and cultural taboos. One common thread that runs across all underdeveloped countries is their extreme vulnerability to shocks, including climate change, natural disasters, economic and social disturbances. These shocks severely affect these countries ability to achieve sustainable development and interject a financial impact in their homelands.