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How safe are safe havens? Does regulatory capital qualify? What are the sources of errors and miscalculations in estimating likely risk exposures? How effective are Executive and Board oversight- together with the information and reporting frameworks which power the capacity for risk governance? Are these potential reasons why well run financial institutions run with significant (estimated on what transparent basis) excess capital? >John C. Pattison is a former economics and finance professor and banker. He has a Phd from the London School of Economics and has published over 90 articles and books. In 1998, the Government of France conferred the Honour of Chevalier de la Legion d'Honneur.