Answer 1- Direct losses the bank experienced
The bank’s IT such as information about client record and business data, the bank‘s furniture, computers, and other equipments. The bank can sue the building owner for leasing unsafe premises because the owner declared too expensive to repair the building and building is very tall tower.
2- Indirect cost : the bank could not use the building, the bank inabilty to hold needed conferences and meetings there is a business loss and income loss,key employee loss, loss of costumer, the bank has expenses to recover office and business. The shuttle service cost for the bank.

3- In a maximum probable loss event arising from a tornado, identify the additional losses that you would expect.
After the tornado damaged, the bank’s employees and officers had no access to it over the week. There might have been life loss in this case but there are no life losses. The building has glass windows. There is a huge possible for loss of business and daily life. Dallas, Texas located in the south and mostly time south states have Tornados and hurricane therefore people should be trained. In addition, they should be trained to stay away from glass windows. There might have been employee lost. Employee benefits and other cost related with employees and the bank. I believe training can reduce the cost. Such training for an earthquake San Francisco, earthquake training is given in the high school and elementary schools. Disability or temporary damaged would be happened in the building.
4. How could the bank’s risk manager use each of the following risk management tools in this case? a. Risk assumption: The bank mightn’t have been established a risk management department. They would not have considered huge potential losses for the bank that makes the bank has more losses. They would not want to consider any huge losses come from a