This document discusses simple tools for understanding risks and moving from innumeracy to insight. It explains that confusing numerical representations like single event probabilities, conditional probabilities, and relative risks can lead to misunderstanding and inappropriate actions. Using natural frequencies and clearly specifying the reference class can help diminish confusion. Conditional probabilities are more difficult for people to understand than natural frequencies, which refer to the same class of observation. The document also discusses how framing risks as absolute reductions rather than relative risks can avoid misunderstanding. Clarifying the reference class, using transparent representations like natural frequencies, and being aware of negative versus positive framing are some ways to help people better understand statistical risks.