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.
Climate Change and Variability. Climate is defined as long-term averages and variations in weather measured over a period of several decades. The Earthâs climate system includes the land surface, atmosphere, oceans, and ice. Many aspects of the global climate are changing rapidly, and the primary drivers of that change are human in origin. Evidence for changes in the climate system abounds, from the top of the atmosphere to the depths of the oceans.