Flew into Los Angeles, LAX, last night.

[procon]

1. I'm surprised that insurance actuaries haven't already pulled the plug

on buildings in high risk areas that are going to be hit the hardest by future events as a direct result of global climate change. The day is coming when the first insurance company announces they will no longer insure any coastal structures in Florida, or houses build in flood plains, or mobile homes in tornado zones.

They can keep raising the premium rates, but eventually there will come a reckoning point when the growing threat of financial damages are too great to be profitable. The data is already baked into the numbers, and actuaries can see how the mathematics and the statistics will affect insurance costs, and thereby the profits of their corporate investors.