As promised, here's the remaining section of the annual report that I will read through to see whether this company is worth investing in. I will be using Christian Dior's (CDI) 2013 Annual Report as a reference. Sorry I took such a long time to post this, I was busy with lizard hunting in my garden. Business risk factors and insurance policy  I kinda like this section as risks are inevitable and what I am looking for is how the company manages their risk. There are four ways of managing risks which I learned when I was in school. TARA which stands for transfer, accept, reject and avoid is what a company can do but sometimes companies leave it open ended as to what their choice is. Well then it's up to you to go and find out and decide whether this risk is well managed by the company. ......