Economists have conceived of subjective risk in terms of utility functions, liquidity preference, and capitalization of income streams. The risk averter, for example, can be described in terms of a utility curve that is convex from above when measuring his attitudes toward wealth or income. He may be described in terms of his penchant for cash and in terms of the interest return he requires for not holding cash. Finally, his risk may be described in terms of the rate at which he capitalizes a given income stream expected from an investment. Risk takers will end to exhibit opposite characteristics from risk averters. Some success has been achieved in identifying risk preference in economic terms; however., economists generally have not considered types of risk other than financial risk in their analysis.