Historically, risk management has generally been limited to pure loss exposure, including property risks, liability risks, and personnel risks. Recently, many companies have begun to take a more holistic management approach to pure and speculative risk. In a three- to four-page paper (excluding title and reference pages) formatted according to APA style guidelines, discuss the current changing landscape of risk management. Be sure to identify causal factors for change, risk management tools, and desired outcomes. Use at least two scholarly sources, in addition to the textbook, including a minimum of one from the Ashford University Library.