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ROR Labs — Return on Risk

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ROR Labs — Return on Risk
ROR Labs
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  • ROR Labs cover: 5x more on wood fibre. A cluster randomised trial in Toronto. Arm fractures ran at 1.9 per 100,000 student-months on sand and 9.4 on engineered wood fibre.
    Accident and Physical Hazard | Falls and Impact

    The Safety Surface Under the Climbing Frame Lost to Sand, Five to One, in a Randomised Trial.

    BySeung Hyoun Kim September 1, 2026October 4, 2026

    213,000 children a year, three quarters of them from falls, and mostly broken arms. The one randomised trial of playground surfacing found the certified material came off worse — and one piece of safety equipment has killed children on climbing frames.

    Read More The Safety Surface Under the Climbing Frame Lost to Sand, Five to One, in a Randomised Trial.Continue

  • ROR Labs cover: 93% lost money. Indian regulators tracked retail derivatives accounts for three years. European regulators found 74 to 89 percent in their own files.
    Financial Risk | Investing and Markets

    Options and Futures: Where Retail Money Actually Goes

    BySeung Hyoun Kim August 30, 2026October 4, 2026

    European regulators found 74-89% of retail CFD accounts losing money; India found over 91% of derivatives traders losing. What the regulatory records and trade-level research show about how leverage, expiry and spreads take money from retail traders – including the study arguing the losses are overstated.

    Read More Options and Futures: Where Retail Money Actually GoesContinue

  • ROR Labs cover: 42.6% beat a T-bill. Of 25,967 US stocks since 1926, that is the share that beat one-month Treasury bills. The most common lifetime return was minus 100%.
    Financial Risk | Investing and Markets

    Why Most Stock Investors Lose Money: What the Evidence Actually Shows

    BySeung Hyoun Kim August 30, 2026October 4, 2026

    Only 42.6% of 25,967 US stocks beat Treasury bills over their lifetime, and the most common outcome was a total loss. What the research on individual investors, day traders and active funds shows about how money is actually lost in the stock market.

    Read More Why Most Stock Investors Lose Money: What the Evidence Actually ShowsContinue

  • ROR Labs cover: 4,656 flights per clot. One venous thrombosis per 4,656 long-haul flights in a cohort of 8,755. Compression stockings took symptomless clots from 47 to 3.
    Health Risk | Heart, Blood and Circulation

    One Clot per 4,656 Long-Haul Flights. Stockings Took the Silent Ones from 47 Down to 3.

    BySeung Hyoun Kim August 29, 2026October 4, 2026

    Long flights roughly double clot risk from a small baseline, and the risk peaks two weeks after landing. Compression stockings have high-certainty Cochrane evidence behind them, with one caveat worth reading.

    Read More One Clot per 4,656 Long-Haul Flights. Stockings Took the Silent Ones from 47 Down to 3.Continue

  • ROR Labs cover: 17.1% versus 17.5%. NIOSH followed 9,377 workers across 160 stores. Daily back-belt wearers reported back pain at 17.1%. Those who never wore one, 17.5%.
    Accident and Physical Hazard | Work and Machinery

    9,377 Workers, Two Years, and the Back Belt Made No Difference. Neither Did the Lifting Training.

    BySeung Hyoun Kim August 29, 2026October 4, 2026

    The largest prospective study of back belts found 17.1% back pain among daily wearers and 17.5% among those who never wore one. What the evidence supports instead is changing the task.

    Read More 9,377 Workers, Two Years, and the Back Belt Made No Difference. Neither Did the Lifting Training.Continue

  • ROR Labs cover: 2003 one appendix. The 90-day change rule came from one appendix. The standards body has since removed it, and its author says he was wrong.
    Accounts and Devices | Crime and Security Risk

    Changing Your Password Every 90 Days Made It Easier to Guess. The Standard That Started the Rule Now Says to Stop.

    BySeung Hyoun Kim August 29, 2026October 4, 2026

    The composition and expiry rules came from one 2003 appendix, and its author regrets it. What actually takes over accounts is reuse, infostealers and phishable codes.

    Read More Changing Your Password Every 90 Days Made It Easier to Guess. The Standard That Started the Rule Now Says to Stop.Continue

  • ROR Labs cover: 6 per square metre. Between five and six people to a square metre a crowd becomes a fluid. They do not die because they panic; they panic because they are dying.
    Accident and Physical Hazard | Crowds and Public Space

    Nobody Is Trampled. They Suffocate Standing Up, and It Begins at Six People to a Square Metre.

    BySeung Hyoun Kim August 29, 2026October 4, 2026

    Virtually all crowd deaths are compressive asphyxia, not trampling, and the word stampede points the blame in the wrong direction. The density ladder, the forces involved, what the Itaewon and Karur investigations found, and the one threshold worth acting on: when you are touched on all four sides, leave.

    Read More Nobody Is Trampled. They Suffocate Standing Up, and It Begins at Six People to a Square Metre.Continue

  • ROR Labs cover: 4% is not the risk. The order your returns arrive in is. Same average, different sequence, and only one retiree runs out.
    Financial Risk | Retirement and Withdrawal

    Two Retirees, the Same Returns, Only One Runs Out. The Difference Is the Order.

    BySeung Hyoun Kim August 29, 2026October 4, 2026

    While you are saving, only the average return matters. The moment you start withdrawing, the order matters enormously – and a bad first decade does permanent damage. Where the 4% rule came from, what Morningstar puts the number at now, and why planning to average life expectancy is a coin flip.

    Read More Two Retirees, the Same Returns, Only One Runs Out. The Difference Is the Order.Continue

  • ROR Labs cover: +19 mmHg, wrong cuff. A randomised crossover trial of 195 adults at Johns Hopkins. The standard cuff on an arm that needed a larger one moved the reading that far.
    Health Risk | Heart, Blood and Circulation

    The Wrong Cuff Turns 125 Into 144. Most People Have Never Had This Measured Properly.

    BySeung Hyoun Kim August 29, 2026October 4, 2026

    A randomised trial found that using a regular adult cuff on someone who needs an extra-large one overestimates systolic pressure by about 20 mmHg – enough to turn 125/79 into 144/87 on the same arm. What the WHO numbers say about the 600 million who do not know, what SPRINT actually showed, and how to get a reading worth acting on.

    Read More The Wrong Cuff Turns 125 Into 144. Most People Have Never Had This Measured Properly.Continue

  • ROR Labs cover: 422 burglars asked. 62% said it was spur of the moment. In their ranking of what makes them walk away, hardware does not come first.
    Burglary and Personal Crime | Crime and Security Risk

    They Asked 422 Burglars What Made Them Walk Away. The Locks Did Not Come First.

    BySeung Hyoun Kim August 29, 2026October 4, 2026

    A survey of 422 incarcerated burglars found occupancy, police proximity and a dog outranked alarms and cameras, that only about 12% picked a lock, and that fewer than a third cared about lighting or neighbourhood watch signs. What that means for where the money is worth spending.

    Read More They Asked 422 Burglars What Made Them Walk Away. The Locks Did Not Come First.Continue

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