Human Security in Pakistan There is an extraordinary drop in the index of external financial vulnerability to only 0.130 in end-2022. This is a clear indication of the high risk of default. The index has generally been declining since 2010-11, yet no major reforms have been taken to secure the economy from a crisis in the external balance of payments. 6.3 Personal Safety The personal safety index has three components, as follows: I Incidence of Crime II Incidence of Injuries III Incidence of Terrorism and Violence Potentially, the greatest threat to lives and property in Pakistan is acts of terrorism. These acts started after Pakistan joined the USA after 9/11 in the war in Afghanistan. It is estimated that the cumulative lives cost is over 80,000, including military personnel and civilians. The economic losses aggregate to over$225 billion. The peak of acts of terror was in 2010-11. After the attack on children in the Army Public School, as shown in Chart 6.5. there was a consensus on a National Plan against Terrorism in December 2014, which was very effectively implemented by the Military through Zarb­e-Azb . The trend in number of terrorist attacks and lives lost is shown in Chart 6.5. Chart 6.5: Trend in Number of Terrorist Attacks and Lives Lost 40