In terms of reference,...

“...them.” (line 5) refers to “...advisors...” (line 3).

“which...” (line 24) refers to “discussions...” (line 23).

“Many...” (line 35) refers to “...members...” (line 33).

“They...” (line 40) refers to “...hazards” (line 36).

“...whom...” (line 51) refers to “...ailments,” (line 49).