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AMERICAN SOCIETY FOR HEALTHCARE RISK MANAGEMENT (ASHRM), an organizational component of the American Hospital Association, is the international associate for more than 3,100 leading professionals involved in risk management in all types and sizes of health care organizations. ROBERTA CARROLL, RN, MBA, CPCU, is senior vice president, Aon Risk Services, in San Francisco, and is a frequent speaker for her expertise in the health care risk management areas of risk financing, claims administration, loss control, captive management, and strategic planning and reengineering. A past president of ASHRM, she has served on its board of directors for six years and is a member of the Risk and Insurance Management Society.