By Richard Tyson 

From the moment we drew our first breath, we were at risk. And every moment thereafter we have lived in an inherently risky world. Risks are ever-present, and managing risks is something that we all must do. 

When, as a child, your mother admonished you to look both ways before crossing the street, you were engaged in risk management. And virtually every day, you engage in eliminating, mitigating and transferring risks or responding to the opportunities such risks may create.

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