Stephen O. Andersen Stephen O. Andersen Stephen Oliver Andersen (born 17 January 1948) is the American Director of Research at the Institute for Governance and Sustainable Development (IGSD) and is also Senior Expert Member of the Montreal Protocol Technology and Economic Assessment Panel (TEAP) and former TEAP Co-Chair (1989 - 2012). He is considered one of the founders and leading figures in the success of the Montreal Protocol on Substances that Deplete the Stratospheric Ozone Layer. Andersen was born in Logan, Utah, United States, the child of a professor of horticulture and a botanist. He studied business administration for two years at Utah
Montreal flood of 1987 Montreal Metro, buses and suburban train service were stopped. The basement of an elderly care hospital in the Saint-Henri neighbourhood was flooded and 240 patients were left without electricity, food, and health services for a while. Most home insurance claims were declined unless the insured was specifically covered by a clause concerning flood. However, the car owners were covered. The Quebec government promised monetary help but only 20 to 40% of the expected C$40 million was ever distributed. Court cases against the municipal authorities, including a class action, were rejected as the flood was considered in legal terms an "Act