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Enterprise risk management (ERM) is a holistic, top-down approach that assesses how risks affect an organization and devises plans on how to approach different risks.

To budget money: 1. Figure out your after-tax income 2. Choose a budgeting system 3. Track your progress 4. Automate your savings 5. Practice budget management ...

Eutrophication is a leading cause of impairment of many freshwater and coastal marine ecosystems in the world. Why should we worry about eutrophication and how is this problem managed?