Twenty years ago, risk management meant buying insurance against fire, theft, and liability losses. Today, though, due to globalization, volatile markets, and a higher propensity to sue, a multitude of risks can adversely affect organizations in all industries. Microsoft addressed these risks by creating a virtual consulting practice, called Microsoft Risk Co., to help manage the risks faced by its sales, operations, and product groups. In a 1997 article, Scott Lange, head of Microsoft Risk, identifies 12 major sources of risk. What do you think would be the major sources of risk to Microsoft?