When you're in charge of a small child, even the most idyllic setting can turn into a danger zone.

In the first years, there is the risk of being hit by a car, falling into a pool or pond, or being bitten by a dog (most commonly, the family's own). The potential perils change with the child's age: alcohol, drugs, violence and untreated mental health issues can endanger the wellbeing of teens and young adults. Road traffic injuries remain a major risk, too. And then there are the invisible dangers, such as air pollution, which are often especially hard to detect and address.

Eventually, we all need to be able to appraise risk ourselves, so that we can navigate the world safely without the guidance of our parents or guardian. Without those skills, we are far more likely to make rash decisions that can result in poor health, financial distress – and even a criminal record.