 Hey, so to the more observant of you you will see that I look slightly different today Yes, I am in a suit But what I want to talk about today is risk management. How do you manage risk? What's risk management all about? Well in a nutshell a risk happens something that you don't like or an event Okay, it could be a positive risk, but mainly we talk about negative risks and it's What you do after that? So I have a glass. There's a wrist. I might break it How do I respond? What are my options? You can break the options down to something a bit like this You can avoid the risk by only showing paper cups instead of glass ones You could transfer the risk. It was her fault By issuing every glass with a protective cushion you can effectively mitigate against the risk Even if it drops the cushion will absorb all the impact or you could simply accept the risk Yeah, I broke the glass. I'll break five more. What are you going to do about it? And that's how you manage your risks stay secure my friends