Riskis another name for uncertainty. In finance we believe that, holding other factors constant, economic value is negatively related to risk. Another way of saying this is that we assume investors are risk averse—meaning they dislike risk and try to avoid it” (Hickman, 2013). Risk management is an important part of any business and the techniques used are just as important as well. The “expectations for risk management has increased as the market changes and more risks are upon us. “Enterprise risk management is the discontinuity in the traditional risk manager's career S-curve. The result is an upward shift in value” (Bugalla&Kallman, 2012).Kallman discusses how risk management is important and the techniques that should be used in order to do so.