He has risk and he has edge, which some companies look for. Those that will look at him will be companies looking for publicity value, because he generates that.

In any program run to risk management standards the risk manager will know the compensation all up and down the line. It is certainly best practice for an insured to be aware of the compensation arrangements and the amounts for all professionals and professional services involved in the process.

There is a risk that as investors wake up and smell the coffee, the market will suffer gradual selling pressures.

Unfortunately earthquake safety in the Midwest is event driven -- most people will not begin to care about the risk until an earthquake happens. Town leaders need to think long-term -- 25 or 50 years out -- about incremental improvements in safety measures that can be sustained. This is a different kind of planning, but it is necessary to be ready for the eventual catastrophic quake that will strike.

The risk now is Nigeria - and losing the commitment in other countries. But we're confident now that Nigeria will get the job done.

You want banks to take some risk, but intelligent risk.