The Insurance Industry, soon to be the first pillar of Capitalism to succumb to Abrupt Climate Change

“Climate change could punch a hole through the financial system by making 30-year home mortgages — the lifeblood of the American housing market — effectively unobtainable in entire regions across parts of the U.S.”
“Climate change could end mortgages as we know them”

“Natural disasters are being recorded more frequently than ever before. “Since 1970, the number of disasters worldwide has more than quadrupled to around 400 a year,” and “there are six times more hydrological events now than in 1980,” The 10 Most Costly Natural Disasters of the Century
“There is a logistical hurdle: when a catastrophe bond experiences a so-called loss event, the capital in the investment is suspended until the full cost of a disaster is pinned down. The phenomenon of “loss creep”, where initial estimates of a loss balloon months or even years after the event, has also spooked some investors. The cost of Typhoon Jebi in Japan last year rose from initial expectations of $6bn to $15bn.”
“Over two years, natural catastrophes caused a record $225bn of insured losses”.
Why climate change is the new 9/11 for insurance companies

“For the insurance industry, global warming has advanced from a future ecological challenge to a present financial shock. Together, total losses to the economy from natural catastrophes and “man-made disasters” reached $165 billion in 2018; that followed a 2017 that, at $350 billion, cost more than twice as much. As a result, according to the Swiss Re Institute, the company’s research arm, 2017 and 2018 were for insurers the most-expensive two-year period of such catastrophes on record, requiring them to fork over $219 billion globally in checks.”
Climate Change Is Hitting the Insurance Industry Hard

“Regulators are starting to worry about climate change.”
“Jenkins points out that the Bank of England’s Prudential Regulation Authority is leading the way on stress-testing insurers against the risk that the world misses its carbon reduction targets.”

“In such a scenario, insurers, especially in the U.S. where price increases are restricted by regulators, may find it increasingly unattractive to offer coverage,” he writes. “Greater lay-off of risk to reinsurers is one option. But more restrictive policies or wholesale withdrawal of cover are also possible. At some juncture underwriters will need to remove their blinkers and acknowledge that a world awash with worsening climate change risks is not necessarily just bad for the planet. It could be bad for the insurance industry too. A bit like 9/11.” Climate Change Tops List of World’s ‘Extreme Risks’

“Venice is on its knees,” said Brugnaro. “The damage will run into hundreds of millions of euros.” Flood, fire and plague: climate change blamed for disasters
“Last year, insurance payouts caused by climate-related events totaled $2.4 trillion worldwide.” Can Insurance Companies Weather The Storm? What Climate Change Means For The Industry

Clearly the cost of disasters is on the same Hockey Stick trajectory as our climate crisis yet “Business as Usual” carries on as if nothing has changed. All ponzi schemes eventually implode and this one will be no different except in scale. There is no previous analogue to remotely compare with the coming collapse.

I'm an anti-imperialist, environmental activist and blue ocean sailor, who is passionate about the earth and all it's inhabitants without favour. Brace for imminent impact as we bare witness to the non-linear unraveling of the biosphere and habitability disappearing for most if not all complex life on the only habitable planet we know of. To quote President Niinistö in North Russia: ‘If We Lose the Arctic, We Lose the World’. Folks we have lost the Arctic.

Posted in Abrupt Climate Change, Collapse, Insurance
156 comments on “The Insurance Industry, soon to be the first pillar of Capitalism to succumb to Abrupt Climate Change
    • And when one builds extremely heavy concrete & rebar buildings on crumbly porous LIMESTONE… Like the World Trade Centers, they may never find all the bodies still in that pile of rubble because they were disintegrated as they were smashed flat. What, still over a hundred last I read?

      The article link below is from my home beach alt leftie local news and this Florida condo essay you posted fits dead-on right in the middle of it. Same slacking corrupt city government ignoring the problems until it’s too late. As a kid I watched this pier get built right in the first Sunset Cliffs point break, an incredibly big left surf spot, and yes I commented twice talking with Geoff on what I saw while surfing it in the ’80s. I just sent your link to the comments page for others to read because it is so spot-on to what they are dealing with down there..

      https://obrag.org/2021/05/the-city-fiddled-while-the-ocean-beach-pier-crumbled-a-classic-story-of-neglect/

      sealintheSelkirks

      Liked by 1 person

  1. Absolutely no surprise except why did it take so long? I was cancelled as soon as my fiscal year ended after the Camp Fire that took out Paradise California which is two states and 800 miles south!

    So you saying “I told you so” is completely appropriate by the way!

    Hell, I’ve been in the same boat for…what, this is the third fire season of zero insurance for my house and sew shop? And I was in Evac II last Tuesday filling totes and boxes into the old 4Runner with a 15 minute limit to be ready to leave with the 3rd damned fire (2nd deliberately set) in ten days directly upwind to the south down the ridge as twin-engine ‘scoop’ fire bombers blew over my house at tree-top level after they hopped up over the 100 foot conifers on the south end of the property dropping their right wingtips at the ground to make the sharp turn east up the creek canyon behind me and back to Loon Lake for another refill. These planes were freaking close! Old school barnstorming flyers no doubt. I was clearly seeing the pilots’ faces in the cockpits as they tilted their planes for the turn right in front of my 2nd story window.

    This winery guy’s comment of changing the game for him is wildly understated. There are literally millions of people like me (living low income with no other resources) in the same boat. Two very poor worker families in the 3rd fire burned out; single wide trailer homes in the path went poof with maybe 5 minutes warning. So far I don’t think anybody died but I don’t know for sure. There’s been DNR crews down there all week.

    Yesterday was 19 days in a row of 100’F/38C or higher temperatures. I have no idea what it will be today but yesterday was 106’F and the day before was 107’F.

    First 90’F/32C was May 17th. It hasn’t dropped below that since…looking at the calendar…June 18th. And the hottest part of the summer is yet to come? REALLY? WTF next is not a question I want answered because, well, you know!
    ___

    By the way, my email is broken as the program will not load and hasn’t since Thursday 8July night. I have no idea why and neither does my web guy who had no problem getting into it. I borrowed my retired biologist’s computer yesterday and had no problem with it there, either, so it’s some program thing on this old computer or a dial-up server problem. They don’t like fixing any of their own problems without me forking over cash for them to ‘look’ instead of just fixing their own programming problems. I’d swear that it’s a money-skimming scam based on the last time there was a problem and how I was treated….oh wait isn’t that Capitalism at its finest?

    So I’m missing some of your latest postings because I can’t read my email to see what you’ve thrown up recently!

    Serious fire haze from either or both of the Canadian blazes from the north and Wenachee from out west. Lurid red/orange sunsets and one knows there is small particulate matter blowing in the wind…but there are no N95 masks for sale that are available for the peons this fire season. Going to be an uptick in deaths and disease due to that not just the new mutated Covid Delta and Gamma variants…

    It’s all a matter of luck at this point, isn’t it?

    sealintheSelkirks

    Liked by 1 person

  2. Kevin Hester says:

    The clock is ticking on the entire industry

    Like

  3. Ahahahahahaha. What a sick joke it all is, eh Kevin? We are such a funny species!

    It’s never been about ‘insuring people against disaster’ like it’s some public service or something. Why does anyone think the owners of those mega-companies care?

    And when will those corporations completely abandon the state, and the entire Deep South for that matter? When it is no longer profitable of course!

    And abandon the West Coast fire zones. And abandon the Midwest flood & drought zones. And abandon the East Coast hurricane and sea level rise, and the Gulf Coast. Just how long before insurance go completely out of business because there won’t be a single area of the country that is ‘safe’ from climate collapse? Sure seems to be going full speed ahead, doesn’t it?
    ____

    I love the term ‘skittish’ used in this article. How…droll! Hell, I’m feeling a bit skittish today because the temperatures have been under 100F/38C for two whole days! 94’F yesterday and 96’F the day before. Wow, is this the start of winter already?

    Of course before that I’ve got twenty-one days (21!) in a row above that number on my calendar! Three entire weeks and it’s not even the hot months yet. Oops.

    Then there is the fact that I’m only going outside about 3pm to check the thermometer and it usually gets hotter between 3 & 5pm. I don’t care, once is enough per afternoon as I just can’t handle being outside in this. I did clean out and fill the old broke-down little hot tub with well water and have been using it to cool core temperatures during the day. It functions quite good being well-insulated to keep heat in. Anything that works, eh?

    But hey, at least I’m not having to pay monthly homeowner/fire insurance that I could barely afford anyway as it kept going up every single year like property tax. I’ve found out that I have been joined by more of my neighbors since they cannot afford the ‘new rates’ that have been imposed by the fly-by-night little insurance companies that popped up to grab when the big boys cancelled all of us.

    What an exciting time to be alive, eh Kevin? Guess it’s time I get out there and “rake the forest’ like Trump said last year. With a nice clean raked forest I won’t have to worry about wildfires, eh?

    sealintheSelkirks

    Liked by 1 person

  4. Kevin Hester says:

    “Natural disasters tend to be more costly for insurers in richer countries where businesses and citizens are more likely to be insured.”
    That’s an interesting angle.
    The only people affected by the unfolding collapse of the insurance industry are effectively the wealthy, poor people could never afford it.

    https://www.theguardian.com/business/2021/jul/21/2021s-extreme-weather-leads-to-insurers-biggest-payout-in-10-years?fbclid=IwAR2IV9LUlhCHg1iMVohIAwPDjfT3OZUVzqG_4e3iwDyIEOyRavaWzc561OU

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  5. Yeah, well, that goes for me, too! I will never be able to afford what a few of the risk taker little insurance firms are charging around here (not a single major company of course!) so when they fail it really won’t matter much to me. No mortgage owned by a bank which has unknown repercussions to those that do!

    I also don’t have any kind of health ‘insurance’ for that matter as the industry lobbyist-written ObamaCare was just another joke’s-on-us insurance monopoly scam signed into law to enrich the wealthy. But Obama was a perfect substitute for Wbush! Just another neoliberal corporate right winger…and I never could afford that, either!

    But I will be affected because what happens when these companies crash as hard as that Florida condo a couple of weeks ago and nobody can get gov-required car insurance? With zero public transportation around here it is drive or starve…and cops just love to give out tickets! After all, their main job is to pull in revenue for the county or state not fighting ‘crime’ or they’d be all over the wealthy one would think…
    ____

    Watched another fire erupt on Wednesday about 6-10 miles s/sw of me. Sky went even more hazy (we’ve been in hazardous air quality for a while) and when I walked out to the road a hundred meters south from my gate where the trees were butchered off and the ridge drops off down towards the valley below there was a huge column of smoke looking like a volcano erupting behind the Huckleberry Range ridgeline. It was so big that my neighbor and I thought it was at most 6 miles away. It went from 200 acres Thursday morning to 400 acres by noon.

    I don’t know how big it is today but the main plume is visible out my south-facing window going west to east because I can literally see the stream of darker smoke in the blanket of fire haze already present. Wind shifted again. It’s been breezy from NW and from SW. Back and forth. Wind is fire’s 2nd best friend.

    The moon last night was a beautiful shade of gruesomely red ocher. You can imagine the sunsets. I don’t go outside without an N95 mask on as my eyes have been gritty full-of-sand for days and days. I certainly don’t want pm 2.5 in my lungs!

    After nearly 18 months of covid and last year’s fire smoke I’m down to 19 N95 dust mask types left and two N95 respirator valve style. I had a couple of huge boxes from a storage unit auction of a construction firm a few years ago that I unloaded for the 2nd hand store and got first pick on some items like that… Sure has come in handy since there are no real (ie: high quality) N95 masks available in this country. Except for medical staff. And politicians. And cops. And prison guards. And Federal cops like ICE, FBI, DEA, ATF etc etc.

    Screw the rest of us, eh?

    One can find cheap black market knock-off copies from China or those nearly useless KN95 ones that don’t fit your face! I’ve got a couple of those but maybe it’s my face they don’t fit? I’ve sewn up a few fabric masks with a slot in them that I can slip a cut piece from still-sealed large HEPA air filters that I have but I don’t know just how protective from covid or 2.5 particulate they will be. Better than nothing I guess, yes? Best to have some kind of plan!
    ____

    I guess it’s really burning huge in Oregon, two fires just combined into a monster. Cali is burning of course. And my state is burning. Canada is burning. Isn’t this exciting?

    sealintheSelkirks

    Liked by 1 person

  6. Kevin Hester says:

    Flood-hit German homes face higher premiums as climate risks grow;

    https://news.trust.org/item/20210723171212-doc4v/

    Like

  7. Interesting thought that came up in my head while reading this article; will other Germans (or anybody anywhere for that matter) be willing to pay a little more so that those people who can’t afford it will be covered by some kind of insurance?

    I don’t think so. There is a distinct lack of empathy for the ‘other’ in our species. Others of course being anyone and everyone that is not part of…your specific subset group. Or immediate family members. As this gets worse I expect to see far more of a narrowing down of just who even long-time neighbors will be willing to help. Much less people you don’t know at all. A huge disconnect there…

    Until of course your house burns down/washes away or whatever causes one to end up sitting on a pile of rubble with nothing and even your food and water stash is history. Then what does one do? As the neoliberal authoritarian governments run by wealthy sociopaths continue to be less and less likely to give a rat’s ass as we know that the campaign bribe money they grovel for means they’ll truly only be willing to ‘help’ those that funded their campaigns…

    In a world of hurt we are and that is obviously everywhere on the planet.

    Looking around the world as best I can on my limited dial-up internet at just how MUCH is going on is…daunting at best. I can’t keep straight in my head just how many on-going disasters are happening this year because they are piling up so fast everywhere, daily, and I can’t process them fast enough. All over the planet there are events that show that even the most ‘alarmist’ predictions were actually rather conservative. What will be the catastrophe(s) that push these corporations past their breaking point I wonder? After all it’s not really about ‘helping’ others it’s about wealth creation while seeming to help others. Everybody has a nasty ugly story about dealing with insurance companies…and they WILL pull out when there is no more money to be made. Just like they did a couple years ago around here.

    The insurance corporation’s house of cards built on Florida limestone while the ocean rises feels like probably sooner rather than later, doesn’t it? I’m…not exactly curious as to what will happen when mortgaged homes suddenly cannot be insured that the banks require but I’m sure it will be interesting if not tortured logic…
    ____

    Triple digits here starting tomorrow again supposedly. Back to over 38C again after a couple of days of ‘cooler’ weather which didn’t really feel all that cool. But 33C isn’t exactly chill, ya know? My old broken-down hot tub is full of well water but it is still so well insulated and on the northside of the house that it has kept the water far below what I can handle climbing into. I haven’t been able to sit in it below my waist because my body shocks too much! Core temps are brutal at this point but it’s definitely helping to just sit with my legs in it during the afternoon…

    sealintheSelkirks

    Liked by 1 person

  8. Kevin Hester says:

    Climate Denial Crock of the Week
    with Peter Sinclair

    As People Move to Climate Risk Zones – Will Insurance Companies Pull Plug?

    https://climatecrocks.com/2021/08/04/as-people-move-to-climate-risk-zones-will-insurance-companies-pull-plug/

    Like

  9. Kevin Hester says:

    “Global warming increased U.S. crop insurance losses by $27 billion in 27 years, Stanford study finds
    Higher temperatures attributed to climate change caused payouts from the nation’s biggest farm support program to increase by $27 billion between 1991 and 2017, according to new estimates from Stanford researchers. Costs are likely to rise even further with the growing intensity and frequency of heat waves and other severe weather events.”

    https://news.stanford.edu/2021/08/04/climate-change-crop-insurance/?fbclid=IwAR0Zv1i-3N-r1XJmq1ilr4yGL_9k9dwfvvo2JPcd81OnfWDx7Qc2VoXgAKw

    Like

  10. Kevin Hester says:

    “This is the sixth year in a row that the US has experienced 10 or more separate billion-dollar disasters,” NOAA climatologist Adam Smith told CNN Weather. Ten disasters has become the more recent standard of what to expect in a year, he added.
    “To more than double (the number of events) at 22 and then have six more than the previous record is pretty extreme,” Smith said.

    https://edition.cnn.com/2021/01/08/weather/billion-dollar-us-disasters-2020-noaa-climate/index.html?fbclid=IwAR1apHBUi9fq552ZbIhqvqE128LXeXX7-vLk0aKy5WjkmytCuWoyzS86pc8

    Like

  11. This fits right in:

    FEMA Knows a Lot About Climate-Driven Flooding. But It’s Not Pushing Homeowners Hard Enough to Buy Insurance

    A new Government Accountability Office report shows homeowners and the federal government are vulnerable to a deluge of losses from “rain bombs” and tropical storms.

    https://insideclimatenews.org/news/04082021/fema-flood-insurance-general-accounting-office-report-climate-change/

    The Federal Emergency Management Agency (FEMA) has been collecting a lot of information about flood risks across America, including the increased risk of flooding linked to climate change. But the agency has not effectively used that new knowledge to persuade more Americans to buy flood insurance, according to a new report from the Government Accountability Office.
    ____

    What this article doesn’t talk about is HOW all of these people are supposed to afford flood insurance. There is a huge percentage of the US population that is literally living paycheck to paycheck (if they have a job and the unemployment numbers are a total lie. And far too many of them are falling further behind every damned month. They don’t go on ‘vacations’ or have stock market portfolios! Barely able to cover the bank mortgage and the ever-increasing monthly bills. There was a study done fairly recently (before COVID) that showed a majority didn’t have $500 put aside for an emergency! With the jacking up insurance premiums…yeah, leaves a lot of people sitting on their thumbs.

    _________

    And the Dixie Fire down in Cali just blow-torched the town of Greenville which is east and north of the town of Paradise. That’s the term witnesses used, blow-torched.

    Some of the pics I’ve seen the last couple of days…I look around where I live and just deep sigh because I just don’t see my place surviving any kind of burn-off that I’m seeing happen elsewhere. The town of Nespelem on the Colville Rez to the west of me just torched. The Colville Rez just filed a lawsuit against the US gov three days ago over the 2015 fires for failure to maintain necessary standards which is listed by treaty…and they may need to add this year obviously because nothing really changed much from then…and the Rez is burning from 60 lightning strikes at once two weeks ago.

    https://www.commondreams.org/news/2021/08/05/blowtorch-historic-dixie-fire-catastrophically-destroys-greenville-california

    You’ll catch the serious irony of their Congressman Doug LaMalfa contrite comments in the article I’m sure since he has always been in the pocket of Big Oil.
    ____

    Then this one popped up today. Dixie fire continues and gets bigger! Read the sign still visible in front of the burned-down church pic. I actually started chuckling… How prophetic can one get, eh? But after all that’s what Hebrew offshoots are all about!

    Incineration is such a descriptive word.

    https://www.commondreams.org/news/2021/08/07/we-lost-everything-greenville-residents-reel-californias-dixie-fire-grows-historic
    ____

    I know a woman, a friend of my friend Utah Karin who was part of the non-mormon underground at the university in the late 80s and we all partied some together. Her family was evicted by the Camp Fire that burnt through the town of Paradise that was the prime cause of my fire insurance being cancelled. The run-around they have gotten from their insurance company has been a nightmare. And is still ongoing as they are still arguing with those asswipes! How does one account for losses when all the damn receipts and documentation is destroyed? And that’s what those bureaucrats want, paperwork!

    I don’t know anyone who lived in Greenville but I’m sure the insurance industry is just quivering at this point with another NorCal town burnt to the ground. Quite sure that there is going to be another rash of cancellations coming from the corporate offices that held policies in that town. Rate hikes to cover losses are becoming unmanageable I would imagine at this level of one disaster after another. Especially as the Dixie fire is looking like it’s going to burn a few more towns down before it is through.

    Then we could talk about Greece, or Turkey, or Russia fires…do any of those areas have fire insurance that will be going bankrupt like the US industry sometime soon? I would imagine so.
    _________

    What I’m really waiting for is the expected rash of monster hurricanes to start battering the Caribbean and the southeast US coastlines. Hasn’t had a totally destructive (like Mexico Beach in Florida) yet, but NOAA just came out three days ago with an updated scenario that isn’t looking any better than last year.

    https://www.noaa.gov/news-release/atlantic-hurricane-season-shows-no-signs-of-slowing

    The world is, in old surfer terms, looking very freaking gnarly everywhere, dude! I wonder how Australia is going to far in their looming summer? Worse than last year? Probably. More refugees to your islands…

    sealintheSelkirks

    Liked by 1 person

  12. Kevin Hester says:

    “Extreme precipitation in mid-July resulted in the costliest flooding events on record for German and Chinese insurers, which face potential losses of $6.5 billion and $1.7 billion, respectively, according to Aon’s monthly catastrophe report.”
    https://www.insurancejournal.com/news/international/2021/08/12/626750.htm?fbclid=IwAR3FFE90EE7dSocPWXf25DvrVIFJsZyE_G7N9lCn5oJS_duWedwd43NPMw4

    Like

  13. And Haiti had another monster 7.something quake this morning that smashed the crap out of that side of the island. Bigger than 2010… No idea how much it affected the Dominican Republic,

    I’m sure the industry giants are congratulating themselves on the foresight of insuring nothing on that poverty-stricken denuded speck in the Caribbean…

    sealintheSelkirks

    Liked by 1 person

  14. Kevin Hester says:

    “Finally, in March, came a fourth blow: Mr. Sattui’s insurers said they would no longer cover the winery that had burned down. Neither would any other company. In the patois of insurance, the winery will go bare into this year’s burning season, which experts predict to be especially fierce.”

    Special thanks to Joey Casey for this latest addition to the debate.

    Like

    • Warmest year worldwide so the first part of your sentence is no surprise.

      Most expensive for New Zealand insurance did you mean? With the hurricane season ongoing up here I’m expecting the US corporate world to freak the hell out in the next two months because the Atlantic storms are going to just keep coming. It’s going to get MUCH more expensive and they’re going to lose their asses.

      And probably more fires I would assume because it sure ain’t raining in the West yet, so add that to the growing list of payouts.

      But you have much snow expected to fall on the South Island peaks, much rain everywhere else, and big waves for the NZ surfers. Unless it’s too stormy because the winds that link was talking about will either blow it completely out or, if from the right direction on certain beaches, will be so strong offshore that nobody will be able to paddle into waves (or jet ski which has certainly become all the rage the last few years for big surf). Welcome to Spring down under, eh?

      sealintheSelkirks

      Like

  15. Kevin Hester says:

    Grab that “Flood Insurance” while you can.

    Like

  16. Kevin Hester says:

    “The state’s wildfire season has been bad enough that California Insurance Commissioner Ricardo Lara issued notices to insurers alerting them to cease non-renewals and cancellations of insurance coverage for communities with wildfire emergencies”
    Slip sliding away.

    https://www.insurancejournal.com/news/west/2021/09/14/631712.htm?utm_source=dlvr.it&utm_medium=twitter

    Like

    • Fire insurance is like a zombie in the US West, dead but still out chomping on people for those last big bites of sustenance. As is hurricane insurance across the southeast part of the country. The owners know what’s coming, they aren’t stupid just capitalist and greedy used-asswipes, and they will literally have to get out of the business pretty soon or risk total bankruptcy. But then the CEOs are still at the mercy of their shareholders who always expect more checks in the mail.

      Banks are going to have to change their requirements on buying homes I’m thinking or nobody will be able to own a home. Even the merciless vampire-like investment firms that have been buying up millions of single-family homes since Wbush’s 2007 Wall St. banker housing crash (that didn’t hurt the bankers one tiny bit) are going to be more than a little upset if their insurance payouts skyrocket. Notice how this Commissioner did not say the industry is required to not raise the policy costs. Was that a forgetful oversight? Doubt it.

      I’ve got neighbors that did find homeowner/fire insurance when we all got hit with cancellations a few years ago. Not the big firms, thought. Company names I’ve never heard of. I couldn’t so I’m facing total destitution if/when this property burns. Part of my Bug-Out Bag is a big tent…which I could pitch here once the ground cooled off enough to come back. What I would do for water, food, heat in winter or cooling in summer I have no idea.

      Like your Alaska sailor guy comments, where do you want to be when it all goes tits up? A ‘road refugee’ until you don’t have the money for gas and the cops sell the vehicle you live in at auction because you are a vagrant? Pushing a shopping cart talking to yourself in some urban slum zone? Nah…

      sealintheSelkirks

      Liked by 1 person

  17. Kevin Hester says:

    Companies that insure homes—a highly regulated $100 billion market—are wrestling with the growing risks of climate change, with its extreme weather, wildfires, and hurricanes. Surging costs threaten to reduce competition as smaller companies begin to exit high-risk areas, even as demand remains high. Indeed, homeowners insurance is required in order to obtain a residential mortgage in the United States, and premiums constitute a substantial proportion of homeownership expenses, comparable in some states to the cost of mortgage interest.

    “INSURANCE COMPANIES END UP RAISING PRICES IN NEW MEXICO AND MASSACHUSETTS MORE OFTEN THAN IN CALIFORNIA.”

    https://hbswk.hbs.edu/item/who-pays-for-wildfire-and-hurricane-damage-everyone?fbclid=IwAR34kyE7anuGsqd6oz9zsUfRx9Jz6X-sKuUaHQyy1GDNSegCB7zhB92pAVc

    Like

    • Intelligent analysis video but the never-ending use of ‘climate change’ is like having a piece of metal between your teeth. This is collapse, folks, a total crashing of the stable climate that allowed us to build civilization over the 10,000 years of the Holocene Era. We are so fucked…

      The Miami homeowner guys talking about lifting their entire house because they don’t want to sell it and move to Kansas? Somehow I don’t think that is going to make much difference being as all of South Florida is pretty much sea level anyway. So they lift their house and shit floods, no power no sewer no water…they won’t be living their anyway! At least they admitted that no matter where one goes there is some ‘natural disaster’ waiting to chew you up. That actually is true but hearing him talk about how ‘dry’ it is in Kansas and he wouldn’t want to live there because of that was kind of weird…Not that I would ever live in Kansas, either!

      Foreshadows the end of insurance seems to be an underlying premise of this vid. Not exactly saying ti but as all these disaster mount and become ever-more frequent, what other ending can there be? The wealthy who run the companies don’t want larger and larger payouts putting them in the poor house. So what will they do?

      Put their money into fossil fuels extraction, what else?

      sealintheSelkirks

      Liked by 1 person

    • Oh wait, isn’t FEMA now a lovely Department of Homeland Security sub-department instead of in control of its own funding and using its hiring expertise to get the best in the business? Oh yes it is!

      Given past policies, current politics, and looking back at their previous experience and behavior in earlier scenarios, does anybody expect this to do anything even close to what they are promising? No? You mean you don’t trust the bureaucrats in an essentially Fascist mostly ‘state secret’-keeping organization with zero oversight by the public to say anything that isn’t a lie at some level?

      Like my own experience, those ‘smaller, lower value homes’ won’t be paying for McMansion replacements because their rates are going to be lowered…does ANYBODY believe this shit?

      Those lower value homes are mostly poor people who can’t afford to live anywhere else or they’d freaking MOVE!

      But disaster-prone zones like the Big Ag along the rivers or heavily polluted zones like Cancer Alley at the bottom of the Mississippi with all those sea-level oil & chemical factories need workers! So to keep them in the paws of the corporations FEMA

      Cancellation of flood insurance on a grand scale is coming I’m sure. Sooner or later and I’d bet on the former to be more accurate. How many more hurricanes slamming in, or flooded lowlands in the center of the US grain belt, will it take for this to happen is something I can’t answer but not having fire insurance the last few years leaves one feeling rather vulnerable. I sure can’t pay the new rates with the unknown little companies are charging after Big Insure got out of here and I’m sure all those other lower income folks in flood zones won’t be able to, either…

      And the FEMA flood insurance plan has been losing money for how long? Since FEMA is also slowly being strangled due to budget cuts and slow de-funding as opposed to the US military getting more than it asks for every year regardless of which asswipe political party is in power (2 sides of the same coin), I’m a bit doubtful about any good outcome. The disasters are only going to get worse and we goddam well know it.

      And the politicians from Texas and Louisiana have already made their displeasure known…can’t have that, eh?

      What a sad commentary doomed to become worse. I sure can be sarcastic at times, can’t I? Irony comes into play a lot, too, I guess, because you can’t see my face as I talk with writing words you might not be able to tell…

      I just had a male stink beetle fly into my neck and spray his nasty smell all over me. At least I know I don’t have Delta yet like so many are going down with around here…

      sealintheSelkirks

      Liked by 1 person

  18. Kevin Hester says:

    “Following Hurricane Harvey in Houston in 2017, mortgage industry leaders warned of a potential climate foreclosure crisis as the storm flooded close to 100,000 Houston-area homes. In Harvey’s federally declared disaster areas, 80% of the homes had no flood insurance because they weren’t normally prone to flooding. Serious mortgage delinquencies on damaged homes jumped more than 200%, according to CoreLogic.”
    https://www.cnbc.com/2021/09/23/mortgage-market-is-unprepared-for-climate-risk-says-industry-report.html?utm_content=Main&utm_medium=Social&utm_source=Facebook&fbclid=IwAR2Mlgvd7L3Y-MlD2u_cXU-Ias0OZvLPnVkRRglL8rCcDFWkCbdZhkf3JOU#Echobox=1632410104

    Like

  19. Kevin Hester says:

    Flood Insurance, just one example of the ongoing collapse of the Insurance Market

    Like

    • Nope, couldn’t read it. I guess I’ve seen the…4 free articles a month they allow. But I’m certainly not surprised to read the headline. I am surprised it took this long.

      So only the wealthy will live by the sea because everybody else not only can’t afford the ever-increasing real estate prices but the property insurance would bankrupt them. Of course there is the fact that the ocean is rising and the storms are increasing in number and strength and South Florida is just a big limestone slab fulls of holes and chambers that sea water loves to travel through. Can’t build a wall when the ground you build it to save leaks like a sieve.

      I wonder how long this change will go on before it becomes too obvious that these places are not insurable, eh?

      sealintheSelkirks

      Liked by 1 person

  20. Kevin Hester says:

    “The report says that climate change will test the limits of insurance and that the ever-growing risks from a warming planet will stress lenders, investors, and the government.”
    https://www.motherjones.com/environment/2021/09/wall-street-mortgage-bankers-report-climate-change-housing-finance/?fbclid=IwAR3ny_d5ddcMz6rtSSAt5ydfLmGpVvO1M9wwGZfiPkHQPoyfA7ZbxIQGGZ0

    Like

    • sealintheSelkirks says:

      You missed this one from the 17th. Haven’t read much Mother Jones in a while, used to be a subscriber to their print copy for years, then they went Hillary Clinton and the Big D corporate neoliberal democrats will save us and I got disgusted and didn’t renew.

      But this one definitely describes me: low income (mostly fixed) old guy who was cancelled and couldn’t afford the unregulated chancy insurers, either. So I was forced to go ‘bare’ as they call it in this article.

      https://www.motherjones.com/politics/2021/09/western-states-california-wildfires-drought-dry-dangerous-future-fire-insurance-cancellation-crisis/
      ____

      Weather:

      It’s been raining since yesterday afternoon, heavy at times and t-storm masses brought in some lighting but all I was hearing was the thunder, didn’t see flashes anywhere. Smell good outside with it wet. Chances for more through next week but the weather weenies are SO off on their prediction past 24 hours most of the time that I tend to discount them. Probably the longest and most rain I’ve seen since February or dang close. I had puddles in the road to the gate but the ground is so hard-baked from the desert heat it took a while to absorb the water.
      ____

      Covid Delta is screaming through the population in this county. With 40,000 population, more infected in two weeks than ever, nearly 1,000 in the month of August. Another 600 in the first two weeks of September. Thursday the last two weeks get reported on so the record may be broken again. Idaho is flooding over the border to Spokane’s big regional hospitals which are now overflowing since Idaho’s Kootenai hospitals went on ‘crisis care’ which is battlefield triage. One county here, Okanogan, has also gone to ‘crisis care’ as all three of theirs have been swamped.

      100% of the people on ventilators in the reigonal Providence Hospital system were unvaxxed. The local hospitals are saying have a heart attack it’ll be hours before you are seen. Local ambulance company says it can’t respond to car accidents or emergency calls in ‘a timely manner’ due to transporting so many sick down to Spokane daily. They don’t have the ambulances or the personnel. I live in a 32% vaccinated rate county and Monday I went to the post office to pick up my mail (41% vaxxed) and the pizza & brew pub restaurant I walked past (in a mask) was full of 20-45 yr olds with a sprinkling of old farts like me eating and drinking and shmoozing. Even the employee ladies weren’t in masks. Going to be a lot less Trump voters if this keeps up. Oh yeah, death rates are climbing here, too.

      As you can imagine, I’m home with my gate closed.

      sealintheSelkirks

      Like

    • Hey, disaster capitalism at work. All these people that aren’t going to be able to afford this wildly going up cost raise will abandon their mortgages. So the vulture investment groups will do exactly what they did in 2008 Wall St. bank mortgage crash, buy ’em up! The wealthy get richer because the former owners are still going to need housing and they can raise rents…and what could be better than that?

      Watched the 30Sept vid, too. How much more water is in the atmosphere now? Something like 7%? It has to fall somewhere and living in lowlands isn’t a good idea.

      Well, with what’s coming nowhere is…

      sealintheSelkirks

      Liked by 1 person

      • Kevin Hester says:

        Using 1750 as a base line we are well past 1,5C, that means at least 10% more water vapour in the atmosphere.

        Each 1 Degree C We Warm the Planet adds an additional 7% Increase in Moisture into the Atmosphere.

        Like

      • 10% already? No freaking wonder the flooding is getting so much worse. But we didn’t get any of that the last six months around here!

        I certainly don’t read about any mitigation efforts using that 1750 baseline. Not a single one. I guess it is too disturbing and trashes what the officials are trying to put over on people, eh?

        Hurricane season is still going with much activity in the Atlantic so I’m expecting more flooding to upend people’s lives in the coming weeks. The hurricane folks have already put together a new list of names for when the run out. Does that mean they expect to again this year? Likely! But no Greek names this time because it confused people.

        People in this country are always very confused it seems. And they like it that way, keeps them from having to actually think. Critical thinking is such a bother!

        The WaPo hit a paywall. Like Bezos needs more money? He could afford to run that paper free! But the gist of it is that only the wealthy will be able to live on shorelines, yes? Why am I not surprised.

        sealintheSelkirks

        Liked by 1 person

  21. Kevin Hester says:

    The price of living near the shore is already high. It’s about to go through the roof.
    As FEMA prepares to remove subsidies from its flood insurance, a new assessment says 8 million homeowners in landlocked states are at risk of serious flooding because of climate change

    https://www.washingtonpost.com/climate-environment/2021/10/01/price-living-near-shore-is-already-high-its-about-go-through-roof/?fbclid=IwAR367yJjRzNMC51XPGd-josuhcztFhzRXn-eItaw8g07YrVVplZ0GoU5mTA

    Like

    • Dr. Kroth thinks the US is very very fragile, ready to collapse like a house of cards. No, that can’t happen because USA is #1! USA has the most powerful military in the world, ever, look at all the nuclear weapons and bio-weapon labs churning out ever-more deadly diseases to use on our enemies! USA is the richest country on the planet because Wall Street rules and corporations only have our best interests at heart. USA has Trump who was chosen by god to lead us to never-never land where every asshole has the right to shoot whomever they don’t like…oh wait that’s what the cops do…

      There are so many factors he goes through that he can’t just choose one as who the hell knows what the trigger will be? This Pandemic is ongoing and not by any means over, the finances are just screwed for the majority of us in this country including the absolute dumbasses who seem to be unable to process complex thought well enough to realize that voting for people who consider them cockroaches to be stepped on but tell them that it’s all the librrl/commie/socialists fault their country is a shithole 3rd world nation that can’t afford anything but more wealth to the upper economic bracket and the military…

      Yeah, this isn’t going to work out well in the short or long-term, eh Kevin? Wouldn’t want to be living in that country…oh wait I AM living in that country.

      Pretty good link. I’m passing it on.

      sealintheSelkirks

      Liked by 1 person

  22. Kevin Hester says:

    “Insurance companies must ensure that their boards are equipped to address the escalating climate crisis.”

    Elana Sulakshana, senior energy finance campaigner at Rainforest Action Network

    https://www.desmog.com/2021/10/07/climate-conflicted-insurance-directors/

    Like

  23. Kevin Hester says:

    Billion-dollar disasters to date

    “From January through the end of September, the U.S. has experienced 18 weather and climate disasters each incurring losses that exceeded $1 billion.”

    https://www.noaa.gov/news/us-hit-with-18-billion-dollar-disasters-so-far-year?fbclid=IwAR1-JxTAPaiqFToi_5vcIytlVCvJJ8pHAfAyAnDdsGVf1xFEum6KbDO0lXk

    Like

  24. Kevin Hester says:

    This is the edited highlights from Swiss Re. Behind the scenes the directors will be selling their shares in an industry that will be one of the first pillars of capitalism to collapse from runaway warming.

    https://www.theenergymix.com/2020/10/15/insurer-warns-of-ecosystem-collapse-in-one-fifth-of-countries-imperiling-42-trillion-in-global-gdp/?fbclid=IwAR29_CmfptdPJi0zh2UclB9qqjQso05uZ0RsOfuVwXXWcn1B2IyxXrnIpec

    Like

    • Well hell then I best be selling all of my insurance corporations shares here real quick, too. Oh wait, I don’t have any shares.

      So isn’t Munich Re still the world’s biggest insurer? Used to be I remember, and reading years back that they were already talking about bad shit coming…

      Bad shit coming. Oh wait, depending on where you are it’s already arrived. As you slowly slide into summer down there I’m doing the opposite up here so it is becoming Burn Time for the Southern Hemisphere pretty quick.

      The expected huge wildly out of control fires that are just waiting to start any time now may hasten this stock selling don’t you think? Being as 1/5th of countries are listed as being a bad bet to insure so…yep, time to cancel their policies and of course put all that money into…fossil fuels. There’s the ticket! There isn’t a country and its military on the planet than can continue to function without them.

      sealintheSelkirks

      Liked by 1 person

    • If it isn’t a flood or a massive deluge event, it’s a blistering heat wave. Hmmm. Don’t think the industry can handle much more of this.

      This is all ramping up faster don’t you think? Now the Northern Hemisphere is heading to winter and you down south are heading to another burning Oz and whatever else is in store for your summer.

      I’m SO not looking forward to the coming summer up here that starts in March like it did this year…but first you all get to deal with the ‘sunny’ time of year just as I just did. 116’F/47C in June meant I spent the entire summer pretty much indoors. I’ve never done that before. And next summer it will likely be 50C most likely. The forest is dying here, and the birds that always hang out on the suet feeders in the apple tree have NOT come back. The suet is mostly uneaten for the last couple of months. I’m used to putting new blocks in every 5 days…I’ve added new ones once in the last month. The birds are gone, dude!

      The supposed Category 5 atmospheric river blowing through? Up here not so much. The major rain predicted starting last Sunday through this week has NOT happened up here. There’s been rain, but it has been more on the not raining side of the equation and certainly nothing anywhere close to expected amounts. My old friend Utah Karin said in an email they’ve had 45″ of snowfall on the peaks above Salt Lake City but here my local snowboarding hill is completely bare.

      But at least I haven’t had any floods, yes?

      sealintheSelkirks

      Liked by 1 person

  25. Kevin Hester says:

    Via; Catherine Murupaenga-Ikenn
    “Undertaking appropriate adaptation measures to reduce the adverse impacts of climate change to property and people will be fundamental to ensure the affordability and availability of insurance in areas exposed to frequent losses from extreme weather events. This is critical as the availability of insurance in turn underpins most economic activities and investments […] There are the cascading effects of a primary events, such as flooding, that can flow through to business and supply line disruption […]the ambiguity and uncertainty of the challenge […] goes well beyond traditional planning horizons.” – Insurance Council of NZ.😬

    https://www.parliament.nz/resource/en-NZ/52SCEN_EVI_87861_EN9968/65401cbd5506847a35e5ca6aff43831a5bfe5dcc?fbclid=IwAR3Pyv9SwTS6exVbaV3Xse4Jhv-GMPfe3A2ZjZuycWLXJ7OVFsgJffTgByw

    Like

    • This comment caught my eye:

      “… the country faces significant adaptation challenges. The inevitable adverse impacts of climate change demand a long-term systematic, stable pathway to reduce them via adaptation.”

      Ya think? Nobody really wants to admit just how bad it could get, do they? How does one adapt to what is already happening across the world much less adjust band-aids for the insurance industry continued profits? Everybody is going to be on their own, all of us.

      When the oceans rise finally catches up to historical CO2 levels every damned harbor in the world is going to be underwater. And the wildfires will burn the land, or bomb cyclones will drown it. Not a lot to look forward to I’m thinking. No wonder so many young folks are saying no to children. Or at least the ones who paid attention in high school science classes…

      Boy am I gloomy today. Hasn’t been the best of weeks so far…

      I had an insurance article I pasted ‘and saved as’ but this damn Windows 10…stuff seems to keep disappearing on me.But it was another of those ‘oh my hell we have to do something!’ kind of articles…as long as they can keep the industry rolling but cut out the fat. People like me that live in the mountains, or the coasts, or by a volcano, or a fault, or in a flood zone or by rivers/creeks/streams/or trickles (which nowadays seem to be able to transform into monster floods), or downwind of nuclear/coal plants or in fracking zones or near chemical factories or…ummm, yeah. When one takes into account all those places that have some chance of any kind of danger, there really isn’t much land left to live on!

      I don’t know where the cut & paste are being saved to as some show up in Office docs but not all. I’ve lost article links that I wanted to post here. There are two photo files, too, but I can only access the full one when attaching a photo to an email. The Photos file that’s on the Start tab doesn’t have them all. I just don’t get it. I really miss the old XP operating system. But then again, there is so much else going on that this truly is such a tiny aggravation! Some days I just have to stop and turn on music and read some fiction, smoke a couple fat bowls and drink hot tea all day (it’s been cold and downright chilly at night)…

      Ain’t this fun?

      sealintheSelkirks

      Liked by 1 person

    • So far she has certainly not shown a single building that could handle any major catastrophic storm. Have you ever been in a building that were designed and built to withstand all the natural disasters that have always been with us. Much less the new improved versions we have invented by industrialization that are increasingly showing up all over the planet.

      I posted on another thread today a link to a different weather report about what is expected to hit tomorrow in the same areas as last Friday.

      Maybe another factory full of people told to stay at work not hide will get blown apart? Another few towns? How about a major city takes a major hit by a swarm of F 3 to 5s? Will that make any damned difference in employers threats to lose your job if you don’t duck into a tornado shelter. Somehow I don’t think that candle factory that Humphrey is ranting about keeping their workers in had any shelter built underground on the factory’s property. I haven’t heard or read a single report that it did.

      “The insurance companies are going to be hip to this” she says. Yeah, well, that’s why Mutual of Enumclaw cancelled my two decade homeowner policy. Why State Farm cancelled my neighbor’s 50 year policy…

      Nick is describing apathy of humans, and Sandy says Magical thinking. And having a Federal policy that requires employers to have disaster shelters, Nick? How is that going to work? Not a chance of that happening. It would take away from the war industry profits.

      It’s only going to get worse.

      Like I am in this fire zone, I’m sure a lot of the destroyed home were not insured for this, This is NOT an area with good jobs. Some may be able to buy a low income-type home, but like everywhere the majority are renters who have nothing after this kind of shit happens.

      A possible world record for the length of a single tornado path. I had a finger tornado touch down on the ridgeline to the west a few years ago on a guy’s property at a bit higher elevation than I’m at. Zig-zagged track shaped like a jagged lightning bolt laying on its side for about 250 yards. It torn down every tree it touched, sucked every bush out by its roots. So they do happen here in these mountains, too.

      Can you imagine the number of claims hitting the numerous companies this week?

      Lots of disposable people around working shit jobs at low pay…

      Mann is all over different websites giving his expert opinion. But remember we can keep CO2 to 1.5C and emissions…yeah…right…

      sealintheSelkirks

      Liked by 1 person

  26. Kevin Hester says:

    “Devastation from tornadoes that slammed parts of the United States this month will push the insurance industry’s 2021 bill for weather-related claims well above the predicted $105 billion, industry experts said, and premiums should rise on worries that climate change will drive more severe weather.”

    https://www.reuters.com/markets/commodities/deadly-us-tornadoes-cost-insurers-about-3-bln-kcc-2021-12-14/

    Like

    • The end of insurance coverage is staring us in the face in this country. I don’t think anybody is noticing. Or it just can’t be imagined.

      Premiums are going to hit a point where people will NOT be able to afford them. The economics this country boasts of is broken beyond repair, has been for a very long time since after all there has been at least 11 or 12 ‘crashes’ that I’ve read of in history books. The wealthy continue to amass more taking from everybody else, and like the 2007-08 Wall St. bank-created ‘housing crash’ that saw so many thrown out of their homes while Wall St vultures bought everything up at fire sale prices, this is only the latest installment. I’m sure there are ‘business investors’ looking to take part in more Disaster Capitalism.

      Now Covid has done enormous damage, too, which is about to get oh-so-much-worse as Omicron sweeps the country in the next three weeks.

      And how much of the enormous amount of the December tornado rampage is actually covered by insurance policies? What are all the ‘clauses’ going to do to shift the financial burden off the industry? As much as possible I’m sure.

      How big are the payouts going to be? As little as possible I’m also sure! With more and worse coming this certainly has become an unsustainable investment portfolio.

      And since the jobs people had in those towns that blew away are gone, your house is gone, your low-income crap job is gone, you have no savings to fall back on, your family is as broke as you are, and then the insurance company says you need to pay your ‘deductible’ you do what, beat your head against a wall?

      Remember Hurricane Katrina in 2005? One can still find damaged and destroyed buildings in Louisiana etc that were never rebuilt. Crumbling overgrown ruins now. And people are still living in those toxic trailers Repub Wbush’s FEMA stuffed so many of the refugees in. It’s not like the government recalled them or anything; they just got scattered across the land and forgotten. And Hurricane Maria that hit Puerto Rico, another Republican president threw rolls of paper towels at the houseless crowd of refugees he was standing in front of that was caught by news video. How appropriate!

      I really liked this:

      “January 2022 pricing renewals and beyond as they absorb losses from another unusual weather event and react to concerns about the negative impact from climate change, Fitch said.”

      Ahahahaha, that’s pretty funny about the industry ‘absorbing losses.’ As for the unusual part, guess they’d best get used to them negative impacts, eh Kevin? This is only ramping up to worse.

      Why am I envisioning masses of people sitting on the ground going nowhere? Because they have no where to go and the gov programs will collapse and…oh my.

      sealintheSelkirks

      Liked by 1 person

  27. Kevin Hester says:

    “That’s because it is more feasible to estimate financial losses from insurance claims and these are usually available in richer countries, where people can afford to insure their homes and businesses.”

    “According to insurance company Aon, 2021 is likely to be the fourth time in five years that global natural catastrophes have cost more than $100bn.”
    Fancy that, who would have thought?

    https://www.bbc.com/news/science-environment-59761839

    Like

    • Oh yes, I’ve no doubt of that, Kev! Like if/when I get burned out I will be sitting in my old 4Runner somewhere (if I’m lucky) wondering what the fuck to do now. Like so many others already around the planet.
      __

      The weather has shifted to RAIN sometime last night. This is nuts for this area the first week of January! I have a two foot snowload on my roof and melting snow and rain are pouring off the roof edge out my upstairs office window as I look out. I’m REALLY glad I fired up the snowblower on Tuesday though another 8″ fell by Wednesday morning. I need to get up there and dig off at least the office section which is the weakest load-bearing area.

      It’s Friday here and ALL the snow in the conifers had hit the ground by 9am this morning.

      10 days ago= -24C, today about 6’C. Wild swings and completely beyond normal.

      sealintheSelkirks

      Like

  28. Kevin Hester says:

    The average time between climate change-induced billion-dollar disasters in the U.S. has dropped from 82 days in the 1980s to just 18 days on average in recent years (2016-2020)–4.56 times more frequent over a period of 40 years.
    https://medialibrary.climatecentral.org/resources/us-temps-billion-dollar-disasters?fbclid=IwAR00tg7m_NXIOXz-160TlU0DGHqmx-DnvCFwKYiHo9nK3zuzffFssWuV6L8

    Like

  29. Kevin Hester says:

    As new statistics published Monday by the U.S. National Oceanic and Atmospheric Administration revealed the United States has sustained more than $2 trillion in damages wrought by over 300 weather and climate disasters since 1980, a leading economist specializing in equitable climate solutions reiterated the need for urgent action—starting with passing Democrats’ flagship Build Back Better Act—to mitigate the planetary emergency”

    https://www.commondreams.org/news/2022/01/10/noaa-report-shows-310-climate-linked-disasters-cost-us-over-2-trillion-1980?fbclid=IwAR3bZaPXesjRKa6T2ScKq0RyptZ1BWAuXsm-xf73CJHvTudwmkbPBTcMVmI

    Like

  30. […] and Long Island, where insurers stop writing policies. My FB friend Kevin Hester has stated the end of insurance is the end of capitalism: “For the insurance industry, global warming has advanced from a future ecological challenge to a […]

    Liked by 1 person

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Kevin Hester

Kevin Hester is currently living on Rakino Island, a small island in the Hauraki Gulf near Auckland, New Zealand, monitoring the unravelling of the biosphere and volunteering at the Rakino Island Nursery is currently developing a proposal to create a marine reserve near by. The Island has no grid tied electricity or reticulated water.  I catch my own water from the roof and generate my electricity from the ample solar radiation on the island.

My Submission to the Ministry of the Environment
Kevin Hester, Dropping Anchor in an Exponential World
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