Jeff Stier is a senior fellow at the National Center for Public Policy Research and directs its Risk Analysis Division.

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As a result, it applies a very different set of criteria in its analysis of investment risk than it would for a private company, or even a government whose currency has no reserve status.

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Value-at-risk is an analysis of the potential loss in its trading positions during a specified time frame.

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GlaxoSmithKline's own analysis of its diabetes drug Avandia showed that the medicine increased the risk of heart attacks by a third.

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With the latest technology, says Cho, the bank can measure the profitability of every branch employee and customer, mine its customer database and run sophisticated risk-management and credit-analysis programs.

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It says that its own meta-analysis of 41 Celebrex studies containing 44, 000 patients found no excess heart risk.

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Glaxo says that its own analysis, when taken with other data, does not show a clear increased heart attack risk.

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