It appears that Congress will do nothing about healthcare andit may be time to take a look at the system and apply somepractical risk management (RM) principles.

In RM, the first step is identifying exposures. For health, thatis everybody. What else is exposed? Our health dollars. We spendmore than any other nation on healthcare, but are only 13th inhealthiness. We have a high infant mortality rate, and the primarycauses of death are drugs, auto accidents, diabetes-relatedproblems, Alzheimer's and cancer.

The next RM step is to identify the hazards leading to loss.There are many: poverty, drunk driving, homelessness, easy accessto narcotics, lack of exercise, guns and plain stupidity.

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