Mindset/ Philosophy: Entrepreneurs are naturally optimistic people. This is good, mostly. Humans are natural procrastinators. This is bad, usually. Humans make all sorts of poor assumptions about the future. This is bad, always. Thankfully, we can manage each of these issues. By building a cultural appreciation for risk, your company can dramatically increase probability of success, manage inherent bias, and save time and money. Risk is not the exclusive field of the actuaries. Business today – all business, big and small – requires proactive, intelligent, forward-looking risk management.