1-explain how ERM differs from the traditional risk management. 2- Risk monitoring should be aligned with the strategic goals and objectives and incorporate appropriate reference to the Risk limits, Risk tolerance and overall risk appetite and preference defined by management. Key risk indicators (KRls) are commonly used in risk monitoring. Describe KRIs 3- The Delphi technique is a method that attempts to move a group of experts towards a consensus opinion. In practice how is this accomplished 4- describe the roles of board of directors in the risk governance 5- describe when it would be helpful to distinguish between upside and downside risk and when it would not 6- EXPLAIN briefly the steps in the ERM cycle process. 7- state and explain any five techniques of risk identification