Why most Risk Universes are missing half the screws If you’ve ever opened an IKEA flat-pack box, you’ll know there’s a particular moment of quiet faith required. You tip the contents onto the floor, count the screws, locate the Allen key, and trust that the diagrams in front of you will, in time, produce a wardrobe. What makes those instructions work isn’t elegance. It’s clarity. Every component is named. Every step is sequenced. Every screw has a purpose. By the time you’re

The newly released 2024 Sector Risk Profile highlights how much the housing sector’s operating environment has shifted in just one year....