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%PERMIT DOMINEERING PEOPLE TAKE ADVANTAGE DISHONEST+030908
       %RISK MANAGEMENT INSURANCE PROGRAM EFFECTIVE+030908
         %BENEFIT EXPOSURE EMBARRASSMENT HARM COSTS+030908
  %DISCOVERY DEVILS DISTRIBUTION INACCURATE NATURAL+030908
      %LAW DISCRIPTIONS RITUAL PRAYERS MAGIC VOODOO+030908
       %HOCUS POCUS APPEARANCE DECEPTION DISHONESTY+030908
   %PRETENSE ARROGANCE CONTROLLER DOMINATION SYSTEM+030908
                  %POWERS THAT BE CONCENTRATE GOODS 030908
                                                          
     If  we  are  not  careful we  are  likely  to  permit
domineering people to take advantage of us --- through the
dishonest  use  of risk management programs which  DO  NOT
truly help us in effective risk management.  Things can go
wrong in a variety of ways; e.g.,:                        
                                                          
     1.  The risk management  program may be  designed  to
benefit  the  leading domineering people, far more than to
help us all.                                              
                                                          
        a.  By   helping   some people   avoid   exposure,
            embarrassment, harm, costs, discovery of their
            dishonesty, etc. --- at high costs to us.     
                                                          
        b.  By being based upon dishonest/inaccurate ways 
            of dealing with patterns of cause and effect  
            within   the   reliable   realm   of   natural
            scientific laws of nature.                    
                                                          
        c.  By being based upon false claims about how    
            effective magic, voodoo, and other primitive  
            rituals are  --- in bringing benefits to those
            who believe in them.                          
                                                          
        d.  By being designed to create manipulative fears
            in us regarding fabricated dangers --- when   
            apart from the efforts of the domineering     
            people there would be no real dangers.        
                                                          
      2.  The risk management program may entail an unfair
distribution  of costs and benefits;  even though  it  may
deal with real risks in  ways which are effective ways for
dealing with those risks:                                 
                                                          
        a.  By   charging  unjust  prices   for   services
            rendered; thereby shifting wealth unjustly    
            from vulnerable people to powerful people.    
                                                          
        b.  By  being dishonest about how services will be
            distributed  among  the  beneficiaries  of  an
            insurance policy.                             
                                                          
        c.  By  not being honest about the relative levels
            of risk which  actually exist among the people
            presumably  covered  by the  program  of  risk
            management.                                   
                                                          
                                                                                                                               
                         (c) 2005 by Paul A. Smith in      
                    (On Being Yourself, Whole and Healthy)  
                                                                                                                               
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