If the disorder persists into the school age years a child is exposed to unacceptable risk of experiencing the disabling effects of chronic and intractable stuttering throughout life.

The looks of the disorder are different across age and gender.

Hesitation increases in relation to risk in equal proportion to age

By traveling safely [you can] diminish the risk of exposure to such dangers as kidnapping, sabotage, extortion, assault, harassment, illegal trafficking, corporate espionage and acts of terrorism.

We use a key formula: Threat x Vulnerability = Risk,

These non-traditional loans transfer risk to the borrower.