"IN THEORY, THEORY AND

PRACTICE ARE THE SAME.

IN PRACTICE THEY ARE NOT. Al

bert

Eins

tein

CAN WE KNOW THE RISKS WE

FACE NOW OR IN THE FUTURE?

NO WE CANNOT: BUT YES, WE

MUST ACT AS IF WE DO. M

ary

Doug

las

A CRISIS IS A TERRIBLE

THING TO WASTE Pa

ul R

omer

A REPUTATION IS A TERRIBLE

THING TO LOSE. St

even

Loep

fe