Which of the following would not be considered a speculative risk?

A. Every week your client plays $20 on the lotto.
B. Any action that could do harm to your clients well-being such as reckless driving.
C. Your client invests 5% of his salary into the defined benefit plan at his workplace.
D. All of the above situations involve some risk.

Answer: B. Any action that could do harm to your clients well-being such as reckless driving.