The gradual transition would give further funding to insurers to support their high-risk population, hopefully, mitigating the obvious discrimination of not allowing those high-risk persons equal, free market participation in the individual market.

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The study estimated that the risk of death for a 70-year-old pedestrian struck at any given speed is roughly equal to the risk of death for a 30-year-old struck by the same vehicle traveling 10 m.p.h. faster.

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Basel I focused mainly on credit risk, international banks which were required to hold capital equal to 8% of the risk-weighted assets.

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Twenty percent of the levy is reflected in normal returns (essentially, equal to the return from low-risk bonds) and 60 percent in any additional returns received by shareholders.

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The Forbes Best Buy rankings aim somewhere down the middle: We give equal weight to a measure of risk-adjusted return and to that element of the hurdle that is publicly reported, the expense ratio.

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For all the focus in the past few years on what went wrong in the financial crisis and what needs to be fixed, equal or more time should be devoted to creating worthy investment and risk-taking opportunities.

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