which a reasonable observer might be inclined to acknowledge exist but for which names have not been assigned. On the other hand, statistical risk models are subject to being fooled by the data into finding a risk factor that will not persist for any useful amount of time into the future. It is also possible for a statistical risk model to find spurious exposures, which are just coincidences and not indicative of any real risk in the marketplace. This is a delicate problem for the researcher.