Funding Long term care is one of the major XXIst century challenges. The private insurance market development to complete insufficient public benefits. A key product to meet the ageing population's growing needs. Risk Management as a business enabler. Identification of a market opportunity...

Why was risk management not effective in preventing financial institutions from bubbles in the past? 1. Because the emerge of the bubbles were not recognized at all. 2. Because risk managers did not have sufficient authority to stop the nonsense....