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.
The global climate is changing, and will continue. to change, in ways that affect the planning. and day to day operations of businesses, government agencies and other organisations1. The manifestations of climate change include. higher temperatures, altered rainfall patterns, and more frequent or intense extreme events.