https://www.dianomi.com/click.epl?pn=122923&offer=33292953&savid=318087&can_cookie=1&unique_id=aPf0kYqSQhcyNUgKtcrpbQAAACI&adv=75916&said=71495&cf=456.3057.Hotcopper&smartreferer=https%3A%2F%2Fhotcopper.com.au%2Fthreads%2Frisk-analysis-potential-reasons-for-failure.8780719%2Fpage-5%3Fpost_id%3D80803552