Risk Management

Hi i have a homework need to finish it as soon as possible I need to be done after 3 hours from now. the requirements in the file. 

Discuss why perils like earthquake damage or unemployment are not insured easily by private insures. 4-3 sentences

Looking beyond risk diverstification, discuss some of the additional benfits that risk-bearing financial instituions offer their customesrs. 4-3 sentences

Investigate and report several “hot topics” that currently concern risk managers. Start your search at this site: (http://www.iii.org/insurance-topics). 5 sentences