We must continue to improve the way we model potential risk and spread our exposures.

2005 was the worst year on record for natural disasters, costing the insurance industry far more than the impact of the 9/11 attacks on New York.

We acknowledge the risk that incentives may move higher. This risk is particularly acute considering the potential for a softening of auto sales, and considering all the capacity coming on line between 2000 and 2003.

The potential here is significant. The NCAA is at some risk.

It addresses a theoretical risk a potential risk, not a demonstrated link.

A woman who is willing to be herself and pursue her own potential runs not so much the risk of loneliness as the challenge of exposure to more interesting men -- and people in general.