Crossword Genius

A curate is naughty — we appreciate the risks (9)

Ross

I believe the answer is:

actuaries

'we appreciate the risks' is the definition.
(actuaries calculate risks)

'a curate is naughty' is the wordplay.
'naughty' indicates an anagram.
'curate'+'is'='curateis'
'curateis' with letters rearranged gives 'ctuaries'.
'a'+'ctuaries'='ACTUARIES'

(Other definitions for actuaries that I've seen before include "Experts in calculations for insurance companies" , "They know about risks" , "They calculate insurance premiums" , "They calculate insurance risks" , "Financial experts" .)

I've seen this clue in The Times.
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