For example, Mike contributes $30 per month (after tax) to a disability plan. His employer also contributes $30 per month to the same plan. Mike becomes disabled. Under the terms of the disability insurance contract, Mike receives $3,000 per month for each month he is disabled.
What is climate change? Climate is usually defined as the average weather in a place. It includes patterns of temperature, precipitation (rain or snow), humidity, wind and seasons. Climate patterns play a fundamental role in shaping natural ecosystems, and the human economies and cultures that depend on them.
Changes in Obliquity. There is another important cycle that has the potential to affect the Earth's climate; it is a 41,000-year variation in obliquity, the tilt of the Earth's axis of rotation with respect to the perpendicular to its orbital plane.