I've also heard foresight well spoken of. Sailing a vessel in heavier seas than it was designed for increases the risk of foundering, for example.
In the case of MS Estonia, this means subjecting the vessel several times a week to seas she was not designed for and in which she was not certified to operate. We learned long ago in hindsight that this will accelerate the fatigue of structures. Hence foresight should have acknowledged the diminished margin of safety the operators had decided to accept.