by Regitze Ladekarl, FRM | Mar 9, 2026 | Risk Report
My crinkly brain has been stuck on this song Please, Release Me (1949) made popular by Engelbert Humperdinck in 1967 (look up Izzard’s skit about workshopping that artist name). It gets weirder because the earworm was brought to me by an owl, specifically Blue Owl...
by Regitze Ladekarl, FRM | Feb 10, 2026 | Risk Report
It is rare that we talk about digital assets in The Risk Report, and that is a bit myopic because there is an overwhelming likelihood that digital assets, and especially the technology to store and transfer them, will encapsulate and be our global financial...
by Regitze Ladekarl, FRM | Feb 2, 2026 | Risk Report
I am always in awe of the vast specificity of the English language, so imagine my delight to find out that there is a word for the fear of bubbles: trypophobia. While the word most commonly refers to the fear of actual bubbles, such as soap, gum, or boba, I will take...
by Regitze Ladekarl, FRM | Jan 19, 2026 | Risk Report
US credit card rates should be capped at 10% for one year. Lenders have until January 20th, 2026, to comply. There is not very much more information about this, but the reasoning seems to be that fixing credit card rates at less than half of the current level will...
by Regitze Ladekarl, FRM | Jan 12, 2026 | Risk Report
This week marks a year since the devastating fires in Los Angeles. A year is a long time for those in Altadena and Pacific Palisades who were displaced and still do not have a home to return to. Between physical clean-up, financial resolution, and the accompanying...
by Regitze Ladekarl, FRM | Dec 22, 2025 | Risk Report
By definition, only the less smart criminals get caught. If you really think about it, that opens the possibility of many perfect crimes out there that we will never see in a limited series. On the other hand, if the indictment stands to proof, there is a good chance...
by Regitze Ladekarl, FRM | Dec 15, 2025 | Risk Report
Parents of young adults might be familiar with this dilemma: there are certain ways you don’t want your kids to get in trouble, so you can either outright ban the behavior with a very high likelihood the young’uns are going to do it anyway but (try to) keep it from...
by Regitze Ladekarl, FRM | Dec 8, 2025 | Risk Report
Can a financial institution call itself a bank without having a banking license, that is, be a Bank In Name Only (BINO)? Recently, the central bank of Brazil announced that using the word bank in the name requires permission and the fulfillment of particular capital...
by Regitze Ladekarl, FRM | Nov 17, 2025 | Risk Report
About a month ago, the Nobel Prize in Economics was awarded to Joel Mokyr, an economic historian, and Philippe Aghion and Peter Howitt, both economists, for their insights on how sustainable growth happens through creative destruction. Their work is centered on how,...
by Regitze Ladekarl, FRM | Oct 13, 2025 | Risk Report
You win gold and you lose silver, isn’t that what they say? Right now, though, it seems that gold has been cast as the sweet-natured second-choice life partner in a romantic comedy starring AI actress Tilly Norwood. Yes, gold is seeing a huge surge in popularity....
