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 is the long-term statistics of weather but it is not weather itself. However, changes in climatic conditions have a real impact on the weather we experience. For decades, data analyses and climate modeling indicated that increasing levels of carbon dioxide would change weather patterns in the Midwest.