Risk is a threat that the occurrence or non-occurrence of an event or action will adversely affect an organization’s ability to achieve its business objectives and execute its plans successfully. Such risks may originate from the different business processes of the company. Through its risk management program, which includes regular reviews of such business processes by the management, D&L identifies, assesses, prioritizes and installs effective countermeasures to minimize or eliminate these risks. Risk management is not only championed by the Board but is also seen as a shared responsibility between the management and D&L employees.