Therefore, risk should be seen as a normal and inseparable part of economic activities and development, as something built into particular development pathways and practices, constructed through day-to-day decisions by those who have a stake in particular patterns of development. It needs to ensure that development is risk informed to improve the safety of people and critical facilities, to protect the natural and built environment, and to build resilient livelihoods and economic activity. Prospective measures to prevent or reduce risk creation can be combined with corrective DRM efforts that reduce the level of existing risk (e.g. through retrofitting of critical infrastructure such as schools or hospitals). Compensatory risk management activities also have a role in strengthening the social and economic resilience of individuals and societies in the face of residual risk (the remaining risk that cannot be effectively eliminated), for example through preparedness, response and recovery activities, contingent credit, insurance and safety net programmes that are designed to help affected populations mitigate disasters or recover from their impacts.