Or, more important, do you even know your risk exposure? After reading Michael Lewis' book, The Big Short, it's clear to me that relying on others to evaluate your risk as the bond rating companies did is a bad idea, especially if you're being asked to risk assess their offerings. It's as if you were to go to the bank, ask for a loan telling them they have nothing to worry about because you're going to tell them how credit worthy you are and the unthinkable, that is you not being able to pay it back, could never happen. Yet, this is the position many companies find themselves in when they try to assess their exposure to changing market conditions. They generally have a Plan A, the budget, which is effectively their best guess at some point back in time. So what happens when things change? Is there a Plan B and, more important, how well will Plan B work? Is anyone even asking the question, what is the worst that can happen and what do intend to do then (Plan C)?