Decribe two hazard risks and two operational risks that can be found in the YMCA. For each hazard risks, explain the type of risk it is: natural property risk, human property risk, management liability risk, or human resource risk. To what extent does the OCY address each risk in its risk management program? For each operational risk, explain the type of risk it is: people, process, systems, or external events. To what extent does the OCY address each risk in its risk management program? For each risk, recommend two treatments for managing it. Be sure to explain why your recommended treatment is appropriate for each risk.