This program allows lenders to build a risk preparedness model to respond to future disasters. In addition, the graphical representation allows managers to quickly assess and communicate the risk to their business in the event of a disaster.

Pioneering efforts are challenging. Risk is high. But the future payoff is tremendous. As you have seen, we have not had total success. But we have captured the imagination of the students and the general public. And we have already learned a lot from this activity. This will help us and others grow from this experience.

The solid rise puts some significant upside risk on our 0.8 percent GDP forecast.

You did remove that risk.

Realistically, if it eliminates a degree of risk about the future, that's good news.

Rates are based on computer modeling that predicts future risk, not about recouping past losses.