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ROR Labs — Return on Risk
ROR Labs
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  • ROR Labs cover: 5 feet does the work. Embers arriving miles ahead of the fire are the leading cause of home ignition. The zone from the wall to five feet out is the one that earns its keep.
    Earthquake and Wildfire | Environmental and Climate Risk

    Houses Do Not Usually Burn From the Flames. They Burn From What Lands in the Gutter.

    BySeung Hyoun Kim August 29, 2026October 4, 2026

    Embers are the leading cause of home ignition in wildfire, and they arrive miles ahead of the fire. An ember-resistant buffer halves a home ignition risk, and clearing perimeter vegetation nearly doubles survival odds. Why the first five feet matter more than the next ninety-five, and which measures have evidence behind them.

    Read More Houses Do Not Usually Burn From the Flames. They Burn From What Lands in the Gutter.Continue

  • ROR Labs cover: 2010 and still online. The FBI warned in May 2025 that routers this old are being taken over at scale and rented out as criminal infrastructure.
    Accounts and Devices | Crime and Security Risk

    Nobody Updates the Router. The FBI Says Criminals Are Living in the Old Ones.

    BySeung Hyoun Kim August 29, 2026October 4, 2026

    The FBI warned in May 2025 that end-of-life home routers are being taken over for criminal proxy networks, using malware that needs no password. What attackers actually want is your residential IP address. The eight settings that matter, why the guest network is the highest-value free change, and the backup rule that is the only answer to ransomware.

    Read More Nobody Updates the Router. The FBI Says Criminals Are Living in the Old Ones.Continue

  • ROR Labs cover: 20 mph they cannot detect. Royal Holloway researchers tested it directly in 2011. Above that speed an approaching car does not register as approaching to a child.
    Accident and Physical Hazard | Road and Vehicles

    A Child Physically Cannot See a Car Coming at 30 mph. Start There.

    BySeung Hyoun Kim August 29, 2026October 4, 2026

    Children cannot reliably detect a vehicle approaching above 20 mph – a developmental limit, not carelessness. What that means for the school run, the 44% injury reduction Safe Routes to School produced in New York, and why nearly two thirds of school-bus-related child deaths happen outside the bus.

    Read More A Child Physically Cannot See a Car Coming at 30 mph. Start There.Continue

  • ROR Labs cover: 4 points identify you. Four approximate time-and-place readings single out 95% of people in a mobility dataset. That is why your location is worth selling.
    Crime and Security Risk | Privacy and Data

    Four Points Identify You. That Is Why Your Location Is Worth Selling.

    BySeung Hyoun Kim August 29, 2026October 4, 2026

    Four known places-and-times identify 95% of people in an anonymised mobility dataset, and coarsening the data barely helps. How real-time bidding broadcasts your location to bidders who keep it even when they lose, what the FTC found inside Mobilewalla and X-Mode, and which defences actually work – including the deletion platform California switched on this month.

    Read More Four Points Identify You. That Is Why Your Location Is Worth Selling.Continue

  • ROR Labs cover: 84% rise after dark. Fatal night-time pedestrian crashes rose that much between 2010 and 2023. Daytime walking did not get much more dangerous.
    Accident and Physical Hazard | Road and Vehicles

    Three Quarters of Pedestrian Deaths Happen After Dark. Your Reflective Vest Is in the Wrong Place.

    BySeung Hyoun Kim August 29, 2026October 4, 2026

    More than three quarters of US pedestrian deaths happen after dark, and fatal night crashes rose 84% in thirteen years. What the IIHS found about tall, flat vehicle fronts, why night-time autobrake still struggles, and the vision research showing the same reflective material works two to five times better on your ankles than on your chest.

    Read More Three Quarters of Pedestrian Deaths Happen After Dark. Your Reflective Vest Is in the Wrong Place.Continue

  • ROR Labs cover: 3 decibels halves the time. Eight hours at 85 decibels, four at 88, two at 91. The hair cells that do the hearing are formed before birth and never replaced.
    Accident and Physical Hazard | Work and Machinery

    Every 3 Decibels Halves the Time. That Is the Whole Rule, and Almost Nobody Knows It.

    BySeung Hyoun Kim August 29, 2026October 4, 2026

    Hair cells do not grow back, and the safe exposure time halves with every three decibels. At 100 dBA – earbuds near maximum – the daily allowance is fifteen minutes; venues average 104 to 112 dB. The exposure table, the evidence on temporary threshold shift, and the protection actually worth buying.

    Read More Every 3 Decibels Halves the Time. That Is the Whole Rule, and Almost Nobody Knows It.Continue

  • ROR Labs cover: 76% a freeze misses. Most identity theft is misuse of an account you already have. A credit freeze blocks the other kind, the one that opens new accounts.
    Crime and Security Risk | Fraud and Scams

    A Credit Freeze Blocks the Rarer Kind of Identity Theft. Here Is What Blocks the Rest.

    BySeung Hyoun Kim August 29, 2026October 4, 2026

    Seventy-six per cent of identity theft involves an account you already have, and a credit freeze does not touch that category. What a freeze actually blocks, how fast the bureaus must act by law, the difference between a freeze, a lock and a fraud alert, and what covers the other three quarters.

    Read More A Credit Freeze Blocks the Rarer Kind of Identity Theft. Here Is What Blocks the Rest.Continue

  • ROR Labs cover: 37 hurt, none by the quake. A magnitude 5.9 shook Tokyo in August 2026 and no building came down. People fell, or hit furniture and doors in the dark.
    Earthquake and Wildfire | Environmental and Climate Risk

    In a Modern Building, the Earthquake Is Not What Hurts You. The Room Is.

    BySeung Hyoun Kim August 29, 2026October 4, 2026

    A magnitude 5.9 near Tokyo in August 2026 injured 37 people and knocked down no buildings — almost all of them hurt by furniture, doors and falls. In Northridge, deaths came from collapse but hospitalisations came from falling objects. Here is what the injury data says about securing a room, why the “Triangle of Life” is wrong, and the eight fixes that matter — four of which are free.

    Read More In a Modern Building, the Earthquake Is Not What Hurts You. The Room Is.Continue

  • ROR Labs cover: 29% outside the zone. Nearly a third of US flood insurance claims came from properties outside designated high-risk areas. Most home insurance excludes flood entirely.
    Financial Risk | Insurance

    Your Home Insurance Almost Certainly Does Not Cover Flooding

    BySeung Hyoun Kim August 29, 2026October 4, 2026

    Most homeowners policies exclude flood entirely — and 29% of US flood claims came from outside the designated high-risk zones, where nobody is told they need it. The gaps that show up at claim time, and the two-hour job that fixes most of them.

    Read More Your Home Insurance Almost Certainly Does Not Cover FloodingContinue

  • ROR Labs cover: 20-25% nobody knew. Between a fifth and a quarter of school epinephrine doses go to a child with no known allergy. Delay is the thing that kills.
    Food and Allergy | Health Risk

    A Quarter of School Epinephrine Goes to Children Nobody Knew Were Allergic

    BySeung Hyoun Kim August 29, 2026October 4, 2026

    Between 20 and 25% of epinephrine administrations in schools are to children with no known allergy — a first reaction, with no care plan. And the delay that turns a frightening afternoon into a fatal one is usually an antihistamine reached for first.

    Read More A Quarter of School Epinephrine Goes to Children Nobody Knew Were AllergicContinue

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