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Despite evidence of increased flood risk, less than 7% of homes and only half of high-risk properties carry flood insurance. Photo: P. Harman By failing to prepare, you are preparing to fail.  – Benjamin Franklin Superstorm Sandy was the largest Atlantic...

Part III of the Protecting Your Business Series By Mike DuBose and Blake DuBose All individuals and organizations (non-profits, government agencies, and for-profit businesses alike) are subject to threats and liabilities; however, some have higher...

When does the pursuit of safety lead us into danger? Greg Ip of the Wall Street Journal and author of Foolproof talks with EconTalk host Russ Roberts about the ideas in his book--the way we publicly and privately try to cope with risk and danger and...

Hood, California, is a farming town of 200 souls, crammed up against a levee that protects it from the Sacramento River. The eastern approach from I-5 and the Sacramento suburb of Elk Grove is bucolic. Cows graze. An abandoned railroad track sits atop...

Properties Item 3. Legal Proceedings Item 4. Mine Safety Disclosures Item 5. Market for Registrant's Common Equity, Related Shareholder Matters and Issuer Purchases of Equity Securities Item 6. Selected Financial Data Item 7. Management's Discussion...