DOUGLAS W. HUBBARD is the inventor of the Applied Information Economics (AIE) method and the founder of Hubbard Decision Research. He is an internationally recognized expert in the area of decision analysis. RICHARD SEIERSEN is the Chief Risk Officer of Resilience, a cyberinsurance firm. He is the former Chief Information Security Officer at LendingClub, Twilio, and GE Healthcare and Co-founder of the cloud native security company Soluble – sold to Lacework in 2021.