You have decided to open up an animal-themed bar/restaurant in the Iowa City Metro. Assume you are risk-averse.

My peril can either be civil commotion, or a power surge

4: For one of the perils you listed, give an example of each the following types of hazards and label them as increasing severity, frequency, or both.

a. Location

b. Construction

c. Use

d. Moral

5: For the peril picked, list a specific example for potential cost of risk (C.O.R.) for each of the following categories.

a. Direct Loss

b. Loss of "Goodwill"

c. Loss Mitigation

d. Loss Financing

e. Lost Opportunity