The global warming risk premium….or not.

When the City of Los Angeles started adding fluoride to its water, we got lots of calls from people concerned that fluoride would cause all kinds of nasty health effects. One of the things I pointed out was that if it did, big cities that that were already fluoridating would be subject to higher insurance premiums on account of those nasty health effects.

The Curmudgeon


I got my Masters degree in Ecology in 1974. Barely 40 years ago, we were on the precipice of “The Ice Age Cometh”…Scientists were warning about a coming Ice Age. The cover of Science News, March 1, 1975, featured the headline THE ICE AGE COMETH? with a lurid drawing of NYC skyscrapers being swept away by glaciers. Somewhere along the line, the winds of climate research funding shifted, and global warming became the next new great fear of the future. But the phrase “global warming’ was just not adequate marketing, and what if those winds were to shift again back to cooling….? Aha, call it climate change and you cover both bases.

So whom to look to for objective evidence of the seriousness of climate change-global warming? I spent the last 25 years of my professional life in financial planning, which included an emphasis on risk management. The

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