When purchased from FlatWorld (the publisher), this Color Print Textbook includes Online Access, Quizzes, Flashcards and Homework (if professor uses Homework system). Online textbook is accessible. Risk Management for Individuals and Enterprises introduces one of the most critical topics of study for 21st century students. This book covers how individuals, businesses, countries, and the global marketplace as a whole are at risk from natural and human-generated disasters and what can be done to minimize such risk.