I think "poach factor" is a more important idiom/risk, naming particular boogeymen isn't all that relevant. It's far more common, and far costlier. As someone w

I think "poach factor" is a more important idiom/risk, naming particular boogeymen isn't all that relevant. It's far more common, and far costlier. As someone who has literally experienced the bus (well car) factor, after the blow of the initial loss, there is some sense of we have to find a way to manage that takes over.