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 Overview. Since the last ice age, around 11,000 years ago, the Earth s climate has remained relatively stable, with global temperatures averaging at about 14 C. However, in the last century climate has started to change rapidly as the Earth's temperature has increased by approximately 0.7Â°C.