indicate if the factor increases or decreases risk, the type of risk (inherent and control) and provide your rational for why the factor increases risk. (U2 mark for the case fact giving rise to the risk, V2 mark for correctly indicating if the factor increases or decreases RMM, V2 mark for correctly stating the type of risk and 12 mark for the explanation as to why the factor increases the RMM). (8 marks)