43 tul 2 points A store that is open for business, but customers can't access the building because the police have blocked off the street in front of the store, has incurred a direct loss. True False 44 Dil 2 points The pooling of risk leads to an overall reduction of risk in society because: Insurer's accuracy of prediction improves as the severity of exposures increases Insurer's accuracy of prediction improves as the number of exposures increases Insured's anxiety of risk decreases as the number of exposures increases 45 2 points A tort is a criminal conviction that causes someone to suffer loss or harm. True False 46 2 points The main steps in the risk management process are identifying risks, measuring risks, creating a map, finding alternative solutions to managing the risk, and evaluating programs once they are put into place. True False