According to the text collage programs promote skills and great careers to start fresh
The commercial revolution which was the predecessor for the industrial revolution (which is widely known), had a major impact on daily life in general, but especially trading. The commercial revolution involved the creation of established and stable trading routes all around the world which traded in various materials (spice, silk, metals, etc.) all of this drastically affected daily life as well.
The concept of risk behaviour refers to a lifestyle/actions that placed people at a certain negative risk in order to get a certain positive reward.
For example, some people ill try to mount climbing on an extreme terrain in order to get an adrenaline rush. Another example would be someone who opened up a new business by risking the loss of his/her entire fortune.