The Royal Bank of Canada annual report identifies emerging risks likely to be financially material. Which of these risks relate to social issues that are included in ESG reporting?

A. Information technology and cyber risks; social risks; Canadian housing and household indebtedness; privacy, data, and third-party related risks; and culture and conduct risks.
B. Information technology and cyber risks; social risks; digital disruption and innovation; Canadian housing and household indebtedness; geopolitical uncertainty; regulatory changes; and culture and conduct risks.
C. Business and economic conditions; environmental and social risk; geopolitical uncertainty; and regulatory changes.
D. Information technology and cyber risks; social risks; Canadian housing and household indebtedness; geopolitical uncertainty; and privacy, data, and third-party related risks.