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 is when the average long-term weather patterns of a region are altered for an extended period of time, typically decades or longer. Examples include shifts in wind patterns, the average temperature or the amount of precipitation. These changes can affect one region, many regions or the whole planet. Climate changes are caused by changes in the total amount of energy that is kept within the Earth's atmosphere. This change in energy is then spread out around the globe mainly by ocean currents as well as wind and weather patterns to affect the climates of different regions.