In all these instances, resilience is best understood as a process. It is often mistakenly assumed to be a trait of the individual, an idea more typically referred to as "resiliency".[18] Most research now shows that resilience is the result of individuals being able to interact with their environments and the processes that either promote well-being or protect them against the overwhelming influence of risk factors.[19] These processes can be individual coping strategies, or may be helped along by good families, schools, communities, and social policies that make resilience more likely to occur.[20] In this sense "resilience" occurs when there are cumulative "protective factors". These factors are likely to play a more and more important role the greater the individual’s exposure to cumulative "risk factors". The phrase "risk and resilience" in this area of study is quite common. The focus in research has shifted from "protective factors" toward protective "processes"; trying to understand how different factors are involved in both promoting well-being and protecting against risk. A related concept to psychological resilience is family resilience