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The future. It’s the topic on the mind of most business leaders—what’s going to happen in the future? And importantly, how do you ensure you’re prepared for it? Today, as technological advances impact the scale, scope, and utility of data and information, a new ecosystem of information and trust is taking shape around us. Businesses are responding by using and reporting information that goes beyond financial information.

While cyber liability losses and privacy claims continue to rise, a new exposure has arisen. Hackers have determined that due to the increased sophistication in computer security, it may be easier to manipulate an individual rather than a machine. With enough policies and procedures in place, Social Engineering Fraud (SEF) is preventable. However, what these professional criminals are counting on is being able to manipulate an employee to violate the company’s policies.

Sometimes, unfortunately, a trip to the hospital is unforeseen and unplanned. Often, however, procedures and elective surgery are scheduled in advance. If this is the case for you or a loved one, planning ahead for a hospital stay and taking a few simple steps can ensure greater comfort and a faster recovery. This is important for everyone, but especially for those who are older.

Although the recent high-profile cases of sexual misconduct make for sensational news stories, how this issue directly affects employers often gets lost in the media chatter. Under current law, employers can be held vicariously liable (i.e. legally responsible) for the harassment of their employees by a supervisor, co-worker or even a vendor or client. As the calendar turns to 2018, a renewed focus by employers on sexual harassment training practices seems prudent given all that transpired in 2017.

From Anita Hill’s allegations in the 1990s to the recent flood of allegations in the news headlines, sexual harassment has been a persistent and pervasive problem. It occurs at all levels, across all occupations. While many companies have policies addressing inappropriate and unwelcome sexual behavior in the workplace, those policies may not be enough. Even the most dedicated businesses should be aware of the vulnerabilities unique to their workplace and explore new tactics to assist in keeping sexual harassment and other unlawful conduct at bay.

Cyber risk has moved from the IT department to a full-fledged enterprise risk. Unfortunately, a cyberattack can hit a company at any time. There are, however, practical, actionable steps to ensure that when a cyberattack hits, your company and board will be both ready to address the threat and resilient enough to recover from it. Leveraging a flexible and uncluttered framework of readiness, resilience, resources, reporting and results—what we call “The 5 Rs”—is key.