Financial services companies include banks, investment companies and insurance companies. Sustainability opportunities for clients in this sector fall within operational and product categories. Operational opportunities include facility management, sales and marketing, travel and energy procurement. Product opportunities include the creation of new funds, involvement in carbon offset trading, targeted products to the growing clean tech industry, and modified property and BOD insurance offerings based on emerging sustainability risks. Sustainability drivers impacting financial services clients the most include new revenue opportunities; higher energy costs; brand sensitivity; and greater employee and recruitment interests.