CERM Risk Insights and CERM Risk News contains general information only and CERM Academy and Quality Plus Engineering (Q+E) are not, by means of this publication, rendering engineering, health, business, risk, or other professional advice or services. This publication is not a substitute for such professional advice or services, nor should it be used as a basis for any decision or action that may affect your health, personal life, or business. Before making any decision or taking any action that may affect the previous, you should consult a qualified professional advisor. CERM Academy or Q+E shall not be responsible for any loss sustained by any person who relies on this publication.