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Investment and Trading: Dollar starts week on the back foot, risk aversion... http://www.tradingprofits4u.com/

Risk aversion -- "The reluctance of a person to accept a bargain with an uncertain payoff rather than another bargain with a more certain, but possibly lower, expected payoff."

The Culture Change Iceberg Model - By developing specific innovation-focused behaviors – behaviors targeted at addressing the “below the surface” roots of culture – it becomes possible to shift an organizational culture away from risk aversion and toward risk taking, away from insular thinking and toward external exploration, and away from a “not invented here” attitude and toward one of “open innovation”.