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 t= he current changing landscape of risk management. Be sure to identify causal factors for change, risk management tools, and desired outcomes. Use at l= east two scholarly sources, in addition to the textbook, including a minimum of one from the Ashford University Library.