Calzaghe, who will travel to Las Vegas on Saturday, has taken Ricky Hatton's advice to stay away from the Strip's air conditioning units to avoid any risk of illness, preferring to stay at a rented apartment in the city suburbs.

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This has encouraged caution rather than risk-taking, with individuals preferring to avoid mistakes when possible and hide them if necessary.

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He means that arm doesn't risk a lot of capital to fabricate chips, preferring instead to license its microprocessor architecture to 35 semiconductor partners.

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"Faced with the fear of the unknown, investors both domestic and foreign are very cautious and preferring other markets where there is less risk, " said Andrew Sullivan of Kim Eng Securities in Hong Kong.

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Berkley said industry risk models have all but abandoned the once common indicator known as "Absolute Maximum Loss, " preferring to base premiums on the more conservative "Probable Maximum Loss" calculation, which lowers damage estimates by factoring in long odds of catastrophic events.

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