Steve is concerned that Mile High does not adhere to safety regulations, which puts workers in jeopardy. Just last week, a beam that he was moving into position with his crane fell to the ground, narrowly missing two workers. An investigation revealed that the beam had been incorrectly loaded. In response to orders from management to cut the cost of wages, the foreman had assigned the task of loading the beam to an inexperienced apprentice without the supervision of a more experienced worker. By cutting safety precautions, Steve's employer has increased Steve's exposure to all of the following EXCEPT: O a) speculative risk b) pure risk c) physical hazards d) moral and morale hazards