Last year, as the Mississippi swamped the heartland (again) and Hurricane Ike ravaged Central Ohio, insurance companies ramped up investment in climate modeling and the Senate debated comprehensive climate legislation.  The insurance industry and the Congress have both been increasingly worried about climate change: in fact, the Senate has held 40 days of hearings with more than 300 witnesses during the past two Congresses. Change is upon us, and has been for some time. ...

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