According to Navin Bathija, Neo's CEO, the company does review a user's credit report for red flags and but doesn't use the FICO score in its risk calculation.

WSJ: Bad Credit? Start Tweeting

Also clouding the calculation of risk is uncertainty over the number of women who received any implant.

WSJ: Breast-Implant Risk Remains a Fluid Question

But Waldrum and his colleagues carried out a theoretical calculation of the risk of loss of life due to lightning in a similar building frequented by large numbers of people, in a similar setting - assuming the lack of any lightning protection.

BBC: What is the chance of lightning striking St Peter's?

But though they acknowledge the risk of counter-measures, their calculation is that none of Israel's likely foes is technologically advanced enough to beat them in a contest between lance and shield.

ECONOMIST: Rockets overhead

This calculation yields a number called an equity risk premium.

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Bad guys are deterred by force, the threat of force, or by their cold calculation that the costs of evil behavior are not worth the risk.

CENTERFORSECURITYPOLICY: Chemical weapons treaty quicksand

Consistent with this, there is a case for restrictions on the way in which cigarettes are advertised and sold: because cigarettes are addictive and dangerous, children are at risk of being hooked by a bad habit before they are old enough to make a reasoned calculation of the odds.

ECONOMIST: Tobacco��s Brutus

The calculation for patients: Skip the test and take your chances, or cut out the cancer early and risk post-surgery downsides like incontinence, impotence and a lot of discomfort.

FORBES: Magazine Article