Issue 9 and Volume 72.

QUESTIONS AND ANSWERS “He that questioneth much shall learn much”—BACON NOTE—Readers of FIRE AND WATER ENGINEERING are invited to send in questions, which will be answered in the order in which they are received. Names are omitted from questions unless otherwise specified. Definition of Moral and Physical Hazards To the Editor: Please publish in your next edition of FIRE AND WATER ENGINEERING definitions of the following: What is a moral hazard? What is a physical hazard? as pertaining to fire fighting and fire insurance. Thanking you, 1 remain. Very truly yours, G. N. Oakland, Cal., July 31, 1922. Answer: A moral hazard may he defined as that which is caused by or is the result of individual carelessness, viciousness or lack of moral balance. In the two latter cases of course incendiarism or arson is distinctly a moral hazard, as also are the acts of the pyromaniac. The motives for…

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