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Garbage In, Garbage Out

Last week I wrote about a train derailment on the line I take to work every day. It was the third derailment in only a few months for the MTA. It turns out that two sets of tracks were destroyed as the result of a derailment of 10 cars on a CSX train hauling garbage at night.

The MTA responded promptly and by the next morning had plans in place, using buses and a subway line to get people to work in Manhattan. That was a Friday, and by Monday garbage had been removed from the tracks and one track was replaced so that service could mostly be restored. The second track was back a few days later.

But a recent letter to the editor of our local newspaper gave the incident a new perspective.

The reader pointed out that a CSX garbage train makes a trip four times each day to and from the Bronx, through Albany, to Virginia.

He stated, “The garbage is loaded next door to two gas-fired electric generating plants,” and pointed out that “every advanced country is converting garbage to gas for electric production – we are not.” Instead, we are hauling it to faraway locales to be placed in landfills.

Randy Leonard wrote in a column for The New York Times in September 2012 that strides have been made with a process called plasma arc gasification, developed by the U.S. Air Force. The gasification process was designed as an alternative to the open pit burns of garbage that some Iraq and Afghanistan veterans claim made them sick.

He noted that David Robau, an environmental scientist for the Air Force, “tours the country promoting a system that sounds too good to be true: It devours municipal garbage, recycles metals, blasts toxic contaminants and produces electricity and usable byproducts — all with drastic reductions in emissions.”

New York City and some waste companies are interested in the process, which is favored by some because it can destroy medical waste, asbestos, hydrocarbons and PCBs, he said.

Robau added that not all environmentalists are convinced, believing that complete disposal of waste will discourage recycling and development of renewable products. They also feel that gasification will still create toxic substances such as dioxins.

David Wolman reported in Wired Magazine, February 2012 that a huge garbage operation in Northern Oregon has included a plasma gasification facility. It is run by a startup company called S4 Energy Solutions – the first commercial plant in the U.S. to use the process to convert household garbage into gas products like hydrogen and carbon monoxide. The products can be burned as fuel or sold for other industrial applications.

So far gasification has not taken off, because the value of the product has yet to offset the energy required to power the high temperature furnaces needed to melt the trash. But I have faith (fingers crossed) that eventually solutions to many of the issues at hand will be found.

After all, garbage is cheap fuel.

As open land gets scarce and water tables are threatened, we will realize that capping landfills is not a long-term solution. Fossil fuels will also become too expensive, making that cheap fuel look better and better. In fact, I predict that we will eventually be mining garbage out of our landfills.

It’s only a matter of time.

What Risk Managers Can Learn About Preventing Fraud from Tom Brady, John Elway and CHiPs

There are a lot of events and anecdotes that risk managers can draw lessons from. September 11, Hurricane Katrina,  the financial crisis and the Gulf oil spill are the among the most oft-repeated.

But Pat Huddleston, former enforcement branch chief of the SEC’s enforcement division, has written an excellent article that looks to more unique sources, showing how risk managers can prevent fraud by learning from Super Bowl-winning QB Tom Brady, NFL legend John Elway and an actor best known for his role in the TV show CHiPs.

That may sound strange, but here is one of the insights he unveils, detailing how new research into the human brain can help law enforcement authorities — and risk managers — discover scams before damage is done.

Unlike other industries, the fraud business never slumps, and the SEC has already begun enforcement actions against scams that began after the financial crisis of 2008. Fortunately for smart risk managers, new discoveries in how the human brain works have emerged as the post-Madoff wave of scams has been building. Risk managers can use these discoveries to develop a new approach to due diligence that is grounded in new evidence about how humans think.

In his 2009 book, How We Decide, Jonah Lehrer reveals that — contrary to the age-old wisdom — emotions are essential to effective decision-making. Among Lehrer’s examples is Tom Brady, the quarterback of the New England Patriots. When Brady drops back to pass, he has, at most, four seconds to release the ball; not enough time for all the thinking required. Instead, Brady responds to his emotions, according to Lehrer. When he looks at his first option he gets a negative feeling. The same with the second. When he looks at the third, he gets a flood of positive emotion and releases the ball. Touchdown.

Of course, Tom Brady wasn’t born with a brain that could lead him to MVP awards, Super Bowl rings and a Hall of Fame career. Rather, the emotions his brain sends forth are reliable because they are informed by his training and experience; this includes all of his the film study, each practice since Pop Warner and every pass attempt he has every made. While Brady has a great arm, it’s his brain that makes him so impressive.

Having spent more than 20 years protecting investors, I can tell you that a well-educated and trained human brain is the most effective tool for preventing and detecting investment fraud. The good news is that risk managers can acquire that kind of tool.

And that’s not all. As promised, risk managers can also learn lessons from a fraud carried out CHiPs actor turned con artist Larry Wilcox and another scam scheme that fooled John Elway.

Head over to the website of Risk Management magazine to read the rest.

Proposal Would Increase Earthquake Coverage in CA

Surprisingly, only about 12% of insured households in California currently have earthquake insurance. For such an quake-prone area, 12% is just not enough and, luckily, a new initiative may provide a sharp increase in the number of households with coverage against such catastrophes.

According to a RAND Corporation study, a proposal for the federal government to support state-run catastrophe insurance programs would increase the number of people buying earthquake coverage in California. The plan would also lower both uninsured losses and government assistance following a major quake. The four main tenents of the Catastrophe Obligation Guarantee Act (COGA) are:

  • lower insurance costs
  • more households with earthquake insurance coverage
  • decrease in uninsured losses
  • decrease in demand for federal disaster assistance

The RAND Corporation’s study estimates that lower premiums will produce a 13.2% increase in the purchase of earthquake insurance from the California Earthquake Authority, the privately-funded organization that provides earthquake insurance to the state’s residents.

“While catastrophe obligation guarantees could substantially reduce earthquake insurance costs in California, they would ultimately have a modest effect on decreasing uninsured losses and reducing the amount of disaster assistance spending.” said Tom LaTourrette, lead author of the study and a senior physical scientist with RAND, a nonprofit research organization.

So, though the study predicts an increase in the purchase of earthquake insurance, a substantial portion of earthquake losses are expected to fall below policy deductibles. Thus, an increase in coverage would translate to “less than a 1% increase” in the amount of losses that would be reimbursed. So while COGA is expected to decrease the amount of uninsured losses after a California quake, it is not a total solution. The study suggests that officials consider other avenues for increasing earthquake insurance coverage, such as public education and marketing and new, more attractive earthquake insurance products.

Data Breaches Breaking the Bank for Businesses

Hope you enjoyed that headline alliteration.

But let’s talk cyber crime. In 2010 it’s rare to find someone who has never had their email account hacked (happened to me last month!) or their personal information stolen by cyber thieves. But that’s small time cyber crime compared to what’s happening to businesses around the globe.

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According to a new study by Ponemon Institute, an independent research establishment, organizations are getting hit by at least one successful attack per week. Sound like a lot to you? It is. But what’s even more distressing and hard to believe is that the annualized cost to their bottom lines from the attacks ranged from $1 million to $53 million per year.

Ponemon’s first annual “Cost of Cyber Crime” report studied 45 U.S. organizations hit data breaches. It found that the median cost to companies was $3.8 million per year for an attack. Certainly enough for some bottom line blues.

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“Information theft was still the highest consequence — the type of information [stolen] ranged from a data breach of people’s [information] to intellectual property and source code,” says Larry Ponemon, CEO of the Ponemon Institute. “We found that detection and discovery are the most expensive [elements].”

The report found that web-borne attacks, malicious code and malicious insiders are the most costly types of attacks, and social security numbers are the most commonly compromised form of data. According to Datalossdb.org, there have been 10 reported data breaches in the past 13 days alone. Let’s take a look at the largest reported breaches in history, courtesy of the aforementioned website:

data breach

According to the Ponemon study, the 45 organizations studied did not have the right tools or technologies in place to prevent such costly breaches (bad risk management to say the least). The leading types of attacks were malware (25%), SQL (24%) and stolen/abused credentials (16%).

Numerous tech companies, such as Cisco and Symantec, offer data loss prevention products and services.

Without data breach technology in place, a company is throwing away their hard-earned dollars.

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And millions of dollars at that, according to Ponemon.