Could I get just a little assistance on these please. I have generalized answers but I'm missing something so any help would be greatly appreciated! Thank you!!

-Explain the concept of Enterprise Risk Management.How does it differ with the holistic risk management approach?Why did the Harvard Business Review consider it a "game changer" as it applied to strategic planning?

-In past few years, a number of high-profile retail businesses (e.g., Target, Home Depot) have been subject to personal information hacking.Explain the application of e-commerce risk on these companies and how they can manage the risk.What level of recourse does the patron have against the company (if any)?

-Explain the following financial risks: interest rate risk, market risk, credit risk, and currency risk.How would a global insurance company, for example John Hancock, possibly manage each one of these risks; provide current assumptions and figures in your answer.