Central Bank of Uruguay President Guillermo Tolosa discussed how stronger institutions, greater capacity to absorb economic shocks and improved policy frameworks have increased Uruguay’s economic resilience. He argued that the diminishing domestic impact of increasingly frequent and intense international shocks warrants a reassessment of risk perceptions inherited from earlier periods. Tolosa linked these perceptions to savings and investment preferences, noting that fear-driven financial decisions can affect financial development, access to credit and economic growth. He called for expectations to be grounded more firmly in evidence as Uruguay addresses future challenges.