Okay, so the writers go a bit broad in their perspective on who needs to do what, but it gives you something to think about.... The Next Big One Where America is most vulnerable and how the nation can better manage the risks ahead. http://www.businessweek.com/magazine/content/05_38/b3951001.htm -- Larry Medina Danville, CA RIM Professional since 1972 List archives at http://lists.ufl.edu/archives/recmgmt-l.html Contact [log in to unmask] for assistance