Speaking of Risk is a personal blog site.  This blog contains my own personal opinions and comments and does not reflect the opinions of any organisation .  The blog is accurate and true to the best of my knowledge, but may contain omissions, errors or mistakes. The information I present on Speaking of Risk is for information and discussion purposes only and shouldn’t be seen as any kind of advice.  Readers rely on any information on the blog do so at their own risk.  I am a professional Certified Practising Risk Manager, however Speaking of Risk posts are for information purposes only and shouldn’t be seen as professional advice.  Any readers should consult their own relevant professionals before taking any action.  I reserve the right to change how I manage or run the Speaking of Risk blog, and I may change the focus or content on the Speaking of Risk blog at any time.