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Companies manage many risks, and it’s easy for boards to get bogged down discussing financial and compliance risks. But that can mean they’re not paying enough attention to risks that are truly critical, including cybersecurity that is continually evolving or threatening. Directors need to make sure they have an effective risk management (ERM) program and are focusing on the right key risks—the ones that could spell success or failure for the company.

Today, more business and IT executives are implementing dynamic threat intelligence and information sharing to shift cybersecurity and privacy capabilities from reactive to proactive. They understand that they can build business advantages and customer trust by detecting, responding to and mitigating cyberthreats in real time.

In 2009 the Bitcoin blockchain emerged as a form of a smart contract and has since evolved. From both a technological and legal perspective, smart contracts will continue to evolve and disrupt in digital asset sales and capital markets, supply chain management, smart government records and smart cities, real estate land registries, and self-sovereign identity systems.

In light of the high conflict nature of many divorces, and the cost and time associated with divorce litigation, many couples attempt to pre-plan for the possibility of a later divorce by executing a pre-marital agreement. The past, present, and future of pre-nups and post-nups highlight a process that attempts to minimize a couple's stress during the planning and negotiating phase prior to a marriage while affording both parties future protection, security and predictability in terms of the outcome.

Home invasion. Carjacking. Stalking threats. Road rage. And now, cyberbullying. These unthinkable crimes can happen every day and almost anywhere in the world. In the unfortunate event that these crimes can happen to you or a family member, there can be peace of mind from having a family protection coverage to help deal with the long and painful aftermath. View the video below to learn more about family protection coverage.

Cyber threat is as old as the internet itself. While some attacks are politically motivated, the majority are carried out for financial gain. The potential profit to be made with someone’s personal information, particularly if the individual is of high net worth, is great—in fact, it’s a more lucrative industry than the illegal drug trade and the criminal has a lower risk of getting caught.

Statistics show that teenagers are more likely than any other age group to be in an automobile accident. In several tragic incidents, the use of a cell phone was involved.

The disruptive political events and social unrest of 2016 may pose significant operational and strategic risk for businesses. With events at the ballot box and on the streets exposing flaws in the systems of liberalism and globalization, business leaders must think differently about priorities and risk management practices.