Nina works in research and development department of a large…

Nina works in research and development department of a large pharmaceutical lab. Nina’s team is working on finalizing a laboratory clinical trail that has been in progress for the last 7 days. Nina is coming near the end of a 12-hour long shift, and is feeling a bit fatigued. While working on the final stage of the trial, she mixes the wrong chemical compounds together, which unfortunately invalidates the entire experiment. Now her team will be forced to start the entire clinical trial over again, which means it will take at minimum an additional 7 days until the experiment can be completed.   This would be an example of which one of the following types of risk?

Sunrise Community Bank has recently approved a $450,000 mort…

Sunrise Community Bank has recently approved a $450,000 mortgage loan to a first-time homebuyer, Daniel. Daniel is employed at a small accounting firm and has a good credit score / credit history. However, six months later, Daniel unexpectedly loses his job. Due to the lack of income, and not having much cash in his savings account, he has missed the last two month’s mortgage payments.  What type of risk does Daniel pose for Sunrise Community Bank?