State and federal income tax authorities are also looking for income deemed taxable. The recent outbreak of church fires resulted in new regulations designed to protect the availability of fire insurance but the unintended consequence will probably be higher rates for all churches. The risk manager should try to anticipate and combat this rising tide of regulation. General work stress, fair hiring and firing practices, carpel tunnel syndrome, mandates for disabled employees, threats of sexual abuse, molestation and harassment are all new areas of concern. Even the Coast Guard is cracking down.
Conservation is only ever a rearguard action, fought from a position of loss.
It is ultimately unwinnable, and not least because there are no recorded victories over population increase, nor over the grander strategies of genetic behavior such as the laws of demand, political expediency, sheer truancy and a refusal to relinquish a standard of living once it has been attained. The Warren Report Issue Number 165 of the Warren Report crossed my desk in September. It was the last one. For over thirteen years I have read the monthly musings, reflections and admonitions of California's David Warren with amusement and delight. His probing of the imperfect world of risk management and insurance always reminded me that we can do better.