To borrow a phrase from the Wizard of Oz, we in the safety industry are “not in Kansas anymore.” Those old familiar spreadsheets, processes, and equipment that got us to where we are today, are not going to get us where we’re going.

Debt is a general concept that we all seem to understand from a financial perspective. Likely most have incurred or are currently incurring some form of financial debt -- for example, a car payment, mortgage, or a student loan.