Spotlight: Financial Crisis Cracking Risk Why standard models and measures fail to give investors a true indication of investing’s hazards. In this section: 28 34 38 Déjà Vu All Over Again A Failure to Gauge Risk Five Areas to Find Opportunities Paul D. Kaplan Arijit Dutta Morningstar Analysts MorningstarAdvisor.com 27http://www.MorningstarAdvisor.com