risk R|I|S|K R|IH|SH|K R|I|SH|K the D|AX chance SH|AE|N|SH CH|A|N|S SH|A|N|SH of O|V AH|B O|B loss L|U|S L|AO|SH L|U|SH or U|R damage JH|AE|M|AX|JH D|A|M|AX|JH JH|A|M|AX|JH