1.   It will overestimate the risk when convexity is positive and underestimate risk and price adjustment when convexity is negative.

2.   American women vastly underestimate the risks they face from heart disease and stroke, according to a new survey.

3.   But Linder said that consumers often underestimate such risks.

4.   But some epidemiologists have perceived a relaxed attitude toward the disease, and have warned that this could lead authorities to underestimate the risks of human infection.

5.   Cliggott thinks that many of his counterparts are underestimating the risk of a recession.

6.   He claims the risk is underestimated because infections can show up weeks or months later.

7.   LeBow added that he thought that his wealthier rivals were underestimating the risks of litigating every case instead of seeking global settlements.

8.   Meanwhile, environmentalists contend that the state last week underestimated the risk to residents and discounted reports of health problems.

9.   Oftentimes, African-American women underestimate their risk for heart disease, which is why the American Heart Association has begun the free workshops this month.

10.   One of the worst things an entrepreneur can do is to underestimate the risks and delay telling investment partners about everything that could go wrong or has gone wrong.