We think that this year new business will probably be up 25 percent but I think the risk to that is on the upside, not the downside.

I don't see any risk. There is too much at stake, the image of the country is at stake, and really I'm fully confident that everything will be delivered according to the bid book. We of course have learned the lessons of Athens and even without our help, London has learned the lessons of Athens and has been very quick to start, and that's a very good sign which gives a very positive impression.

Risk initiatives require active cooperation among the business line heads who will ultimately benefit from risk done right, the IT department that implements it, and the key executives who identify the institution's risk appetites and policies. Best practice risk management cannot be implemented without the involvement of all three.

The riskier the terrain,the higher the returns.

Certification has now become a risk and threatens our business plan.

You will lose money; you will have problems. The reputation risk can literally put you out of business. Twenty percent to 45% of customers will leave you if you report a security breach.