What does ROR stand for?

What is needed is a next-generation solution that combines: * a global approach to risk pioneered by enterprise risk management * the technology and resources to formulate "predictive data," and then turn that data into advanced tools for benchmarking and measurement of returns * the unbundling of services so that these solutions would be feasible for all organizations * using analysis and benchmarking to demonstrate how superior risk management specifically improves the bottom line A New Course The strategic approach of managing for a return on risk combines these elements into a system that enables companies to leverage risk for competitive advantage and manage a portfolio of risks in an interconnected environment.

The implementation of CALM Shoulder Screen is part of Aon's Return on Risk initiative with UM Physicians.

It includes evaluating products, defining processes and policies, and deploying people in a program that meets specific performance requirements defined as service-level agreements (SLAs) with a superior return on risk (ROR).

Comprehensive expertise includes medical professional, managed care, captives, claims and risk control, benefits design and management, compensation consulting, HR, financial risk management, Return on Risk strategies, and change management.

Comprehensive expertise includes medical professional, managed care, captives, claims and risk control, benefits design and management, compensation consulting, HR, financial risk management, Return on Risk strategies, and change management.

77 OTHER DATA Full-time equivalent headcount 174,844 175,917 Banking centers 4,870 5,148 ATMS 14,333 14,598 BUSINESS SEGMENT RESULTS -- Three months ended September 30, 1998 (in millions) Operating Net Average loans Return on risk adjusted Total Revenue Income/(Loss) and leases, net tangible equity Consumer Banking $4,763 $1,143 $173,645 35% Commercial Banking 710 243 49,244 32 Global Corporate and Investment Banking 833 (793) 108,581 (26) Wealth Management and Principal Investing Group 503 72 15,898 16