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Published: June 2025
ISBN: 978-1-4533-4199-5

Risk Management for Individuals and Enterprises

Version 3.0

By Etti Baranoff, Patrick Lee Brockett, Yehuda Kahane, and Dalit Baranoff

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Basic Access: $37.95

Access until: May 25, 2027 (one year)

FlatWorld eReader: Mobile-friendly, searchable online textbook
- Included online Homework system — at no additional cost. Complete assignments and tests on any device if assigned by your instructor.
- Integrated quizzes and flashcards connected to each online textbook to help you study.
Downloadable, copy-protected PDF for reading offline on multiple devices—file is yours to keep. Downloaded files are protected by digital rights management and must be accessed using Adobe Digital Editions.
SmartHelper: AI-powered study tool within our eReader and Homework System provides in-context references. Responses are curated only within your textbook.
Audiobook: Listen to the audio version of your textbook.
- Generated for multiple languages
- To request additional languages, please have your professor reach out to customer support.
Podcasts: Bring your textbook to life through engaging, two-person conversations that explore key concepts, examples, and case studies.

Standard Access: $57.95

Access until: May 25, 2027 (one year)

High-quality, full color, printed textbook shipped to your door.
FlatWorld eReader: Mobile-friendly, searchable online textbook
- Included online Homework system — at no additional cost. Complete assignments and tests on any device if assigned by your instructor.
- Integrated quizzes and flashcards connected to each online textbook to help you study.
SmartHelper: AI-powered study tool within our eReader and Homework System provides in-context references. Responses are curated only within your textbook.

Print + Basic Access: $64.95

Access until: May 25, 2027 (one year)

High-quality, full color, printed textbook shipped to your door.
FlatWorld eReader: Mobile-friendly, searchable online textbook
- Included online Homework system — at no additional cost. Complete assignments and tests on any device if assigned by your instructor.
- Integrated quizzes and flashcards connected to each online textbook to help you study.
Downloadable, copy-protected PDF for reading offline on multiple devices—file is yours to keep. Downloaded files are protected by digital rights management and must be accessed using Adobe Digital Editions.
SmartHelper: AI-powered study tool within our eReader and Homework System provides in-context references. Responses are curated only within your textbook.
Audiobook: Listen to the audio version of your textbook.
- Generated for multiple languages
- To request additional languages, please have your professor reach out to customer support.
Podcasts: Bring your textbook to life through engaging, two-person conversations that explore key concepts, examples, and case studies.

Print + Standard Access: $84.95

Access until: May 25, 2027 (one year)

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