Business Risk Management

noun the state of being responsible for something, especially by law

adjective pertaining to legal responsibility or obligation

• The company must disclose all potential liability in its financial statements.
• If you break that vase, you'll be liable for it.
• Don't be a liability at the party and drink responsibly.
• His lack of punctuality is a liability in this fast-paced industry.

noun excessive confidence or boldness; audacity

• Her temerity in challenging the status quo was met with mixed reactions from her colleagues.
• I can't believe his temerity to ask for a raise after only working here for a month.
• That guy has some serious temerity to think he can outsmart the boss.
• The temerity of the storm to challenge the sturdy oak tree was evident in the way it shook its branches violently.

adjective an adjective describes or modifies a noun or pronoun, in this case 'top heavy' describes something that has more weight or importance on the top compared to the bottom

adverb an adverb modifies a verb, an adjective, or another adverb, in this case 'top heavy' describes how something is distributed in terms of weight or importance

• The company's financial structure is considered top heavy with a disproportionate amount of funds allocated to upper management.
• The team is a bit top heavy with more experienced players dominating the lineup.
• The new car looks cool but it's a little top heavy on the price.
• Her argument was top heavy with emotional appeals rather than logical reasoning.

noun a legal provision to protect someone from liability or penalty

• The company sought a safe harbour for its assets during the economic downturn.
• I always feel like a safe harbour when I'm with my best friend.
• I found a safe harbour in my favorite coffee shop to escape the rain.
• His calm presence acted as a safe harbour in the midst of chaos.