When you consider the company you currently work for, or a former employer, what are your thoughts around protecting that employer from risk as it pertains to workers' compensation and general liability matters? Some employers are at risk because they chose to take a calculated risk with certain cut-rate insurance coverages, some companies do not know they are at risk. Still others believe they are "too big to fail;" in other words, they do not think the penalty is enough to worry about. What actions would you take? Would you look to educate your company leadership, or would you simply do nothing if you noticed that the company was at risk in these areas? Why, or why not?