"An ounce of prevention is worth a pound of cure," a maxim that has stood Terra and its owner/insureds in good stead, given that, as a group, they have what we believe is the best claims-against record of any similar firms operating in North America. Prevention does not happen by accident! It comes about through training based on knowledge and experience. Several of the law firms that Terra relies on have developed risk management monographs that they have been kind enough to let us publish here. Topics include: