https://shttps://s21.q4cdn.com/861911615/files/doc_financials/2018/2018-Annual-Report-and-Proxy-Statement.pdf https://s21.q4cdn.com/861911615/files/doc_financials/2018/2018-Annual-Report-and-Proxy-Statement.pdf Governance Risk Management Risk is inherent with every business, and we face a number of risks, including strategic, financial, business and operational, legal and compliance, and reputational.