Based on information and excerpts from Silver Lake Publishing's bestselling tech reference "Merritt Risk Management Manual," this consumer book gives readers tools for making better choices in the daily lives. It explains concepts like correlation vs. causality, incidence rates, randomness, offsetting in simple and elegant terms. It makes tools like Poisson distribution analysis, regression analysis and multivariable calculations easy to understand and apply to ordinary situations. Can be used a practical consumer guide...or as an introduction to more complex risk management theory.