Description: The upside of the downturn is that these powerful, influential, connected and important, yet incompetent people can be removed from their positions. To quote a great insight of Ayn Rand: “There is no substitute for competence.”

Description: These essays encourage actuaries to share how they incorporate financial risks of environmental sustainability into their work for employers or clients.

Description: Argues that by shifting the risk from the insureds - financial institutions - to the insurer - the federal government, we affect the behavior of the insureds. Once the consequences of the risk are absorbed by someone else, the insureds can assume more risk. This must be changed.