Which of the following risk management issue was not presented in the Texas Bank Tornado Case? Increased costs due to inefficiencies. Pre-loss evacuation training. Continuing expenses including the shuttle service and allowance for commuting expense. Loss of use of the building Lost of income due to cessation of operations. The risk manager is concerned primarily with the management of speculative risks pure risks subjective risks hazards pure risks that cannot be insured Captives are overseen by corporate boards and, to keep costs low, are often based in places where there is favorable tax treatment and less onerous regulation * like Bermuda and the Cayman Islands True False