Chapter 3: ERM at Mars, Incorporated: ERM for Strategy and Operations
· What represents the key success factors of the program?
· What improvements would you make?
· Does this represent an effective risk management program? If not, what is missing?
Chapter 5: ERM in Practice at the University of California Health System
· Explain how improvement is measured with KPIs and give one example related to Human Capital and how this KPI might help you improve your organization.
· What do you think is the difference between traditional risk management and enterprise risk management?
1) No need to have discussions in the APA format.
2) No word limit. 
3) Please DO NOT write a novel, and keep it rational for having good discussions.


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