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" It is important to recall that risk = hazard x exposure . We're likely to see even better designs in the future , leading to even greater productivity gains . Second Report and Order on March 11 , 1997 , and were dismissed at that time are eligible to refile such applications as described above . The situation at Rochester is very complicated in that the Lehigh Valley Railroad occupied part of the site , and because it was necessary to maintain navigation in the old canal up to the beginning of the present year and also because of the elevation of the top of the wharf in comparison with the elevation of the adjacent streets of the city . She points out that it is barely possible to get by ... Originally , this seems to refer to property that was necessary to maintain a person in an independent condition and to protect this critical property from creditors .