According to folks out there who do risk assessment, riding horses is risky -- about as risky as riding is fun, safe, rewarding, and something we feel deeply passionate about. Rider fear for many of us might be one element that’s part of a greater calculus. We hope it’s down there with the paper clips, you know, tiny bits in the big cluttered drawer that is how we feel about horses. For some folks, though, we know it can be all-consuming.