1. A method comprising determining a risk level R New , where R New =R Current +Σrf New −Σrf Old where R Current is a current risk level, and where Σrf New is a sum of scores assigned to one or more new risk factors, and where Σrf Old is a sum of scores assigned to one or more old risk factors of R Current that no longer apply, where the risk level R New comprises ri New −ri Old where ri New is a new risk increment based on a combination of the new risk factors, and where ri Old is an old risk increment based on a combination of the old risk factors, and where the method is performed by a computer.