We are raised to believe that risk-taking is a virtue and that risk avoidance is a form of cowardice or narrow-mindedness.

FORBES: Five Ways You Should Never Invest

With a focus first and foremost on reliability and avoidance of risk, it is generally the antithesis of a culture that thrives on new and revolutionary ideas.

FORBES: The Economist: Innovation Almost Dead. Perhaps Not So In Electricity

Here, two related issues have emerged: the avoidance of risk and the need for liquidity.

ECONOMIST: Nothing to fear but fear itself

Campaigners say such schemes exploit workers by putting them at risk of being chased for unpaid taxes and have described the practice as "abusive tax avoidance".

BBC: 'Abusive tax avoidance' affects temporary workers