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ROR Labs — Return on Risk
ROR Labs
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  • 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

  • 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

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