Tourists who researched security conditions in Sri Lanka before the Easter Sunday terror attacks would have found that travel advisories ranked the threat of terrorism as low.

The church and hotel bombings on the island shattered that outlook, underscoring how attacks increasingly occur in presumably safe locations, and raising questions about the value of due diligence with so much uncertainty in the world.

But travel and risk mitigation experts insist that, while we can't predict the next crisis, preparing for the worst and taking charge of our own personal security are essential.

"Most of us are not going to end