bookmark_borderClimate Change And Credit

by Daniel Brouse

Part of a series of articles on Climate Change And Flood Insurance

Homeowners living in flood plain have learned the hard way that climate change has effected their ability to get a mortgage. As the sea level rises and extreme weather events intensify, homeowners have found their insurance rates increasing or their total inability to obtain insurance coverage. Without insurance it is very, very hard to get a mortgage.

Moody’s credit ratings are now going to have a similar impact on municipalities. “What we want people to realize is: If you’re exposed, we know that. We’re going to ask questions about what you’re doing to mitigate that exposure,” Lenny Jones, a managing director at Moody’s, said in an interview. “That’s taken into your credit ratings.”

Bloomberg news agency reports:

In its report, Moody’s lists six indicators it uses “to assess the exposure and overall susceptibility of U.S. states to the physical effects of climate change.” They include the share of economic activity that comes from coastal areas, hurricane and extreme-weather damage as a share of the economy, and the share of homes in a flood plain.

Based on those overall risks, Texas, Florida, Georgia and Mississippi are among the states most at risk from climate change. Moody’s didn’t identify which cities or municipalities were most exposed.

“If I was a city official, I’d be asking a whole lot of questions about what vulnerabilities their community has, and how each new proposed development adds to that vulnerability,” said Rob Moore, a senior policy analyst at the Natural Resources Defense Council. “Because at some point, your creditors certainly will.”

Real Estate and the Rising Sea Level
Top 5 Risks
How Do We Handle Flood Risk?
Senegal Forecasts Climate Change Changes
Biloxi-Chitimacha-Choctaw Indians Climate Change Refugees
Atlantic City Going Under
Biggert Waters Flood Insurance Reform Act of 2012
Flood Insurance Reform 2011
About Flood Insurance
Who Pays For Flood Losses?
Floodplain Maps Force Towns Into Tricky Waters
Head of the Federal Flood Insurance Program Resigns
Sacramento And FEMA Fight On Flood Insurance
Global Warming

 

bookmark_borderThe Danger in Email, Sytlesheets, Scripts and Session Replay

Membrane Domain Security Center

https://freedom-to-tinker.com/2017/09/28/i-never-signed-up-for-this-privacy-implications-of-email-tracking/

What happens when you open an email and allow it to display embedded images and pixels? You may expect the sender to learn that you’ve read the email, and which device you used to read it. But in a new paper we find that privacy risks of email tracking extend far beyond senders knowing when emails are viewed. Opening an email can trigger requests to tens of third parties, and many of these requests contain your email address. This allows those third parties to track you across the web and connect your online activities to your email address, rather than just to a pseudonymous cookie.

How it works. Email tracking is possible because modern graphical email clients allow rendering a subset of HTML. JavaScript is invariably stripped, but embedded images and stylesheets are allowed. These are downloaded and rendered by the email client when the user views the email.[2] Crucially, many email clients, and almost all web browsers, in the case of webmail, send third-party cookies with these requests. The email address is leaked by being encoded as a parameter into these third-party URLs.

https://freedom-to-tinker.com/2017/11/15/no-boundaries-exfiltration-of-personal-data-by-session-replay-scripts/

You may know that most websites have third-party analytics scripts that record which pages you visit and the searches you make. But lately, more and more sites use “session replay” scripts. These scripts record your keystrokes, mouse movements, and scrolling behavior, along with the entire contents of the pages you visit, and send them to third-party servers. Unlike typical analytics services that provide aggregate statistics, these scripts are intended for the recording and playback of individual browsing sessions, as if someone is looking over your shoulder.

https://motherboard.vice.com/en_us/article/59yexk/princeton-study-session-replay-scripts-tracking-you
Over 400 of the World’s Most Popular Websites Record Your Every Keystroke

Prominent companies who use the scripts include men’s retailer Bonobos.com, Walgreens.com, and the financial investment firm Fidelity.com. It’s also worth noting that 482 might be a low estimate. It’s likely that the scripts don’t record every user that visits a site, the researchers told me. So when they were testing, they likely did not detect some scripts because they were not activated. You can see all the popular websites that utilize session replay scripts documented by the researchers here.

The Walgreen’s example runs afoul of HIPPA in, oh, so many ways.

List of sites discovered (I bet many, many more are doing it)

https://webtransparency.cs.princeton.edu/no_boundaries/session_replay_sites.html

Disable all scripting. Disable images. Hell, I’m almost at the point of disabling stylesheets, that’ll be the next tracker if they aint doing it already.

I guess, just use surfraw and parse the output. Or go oldschool and lynx/links.

sidd

bookmark_borderBounty of the Sea: More Plastic Than Fish?

The Ellen MacArthur Foundation and the World Economic Forum, in a report called The New Plastics Economy  (which looks at the amount of plastic that ends up in the sea) claims there will be more plastic than fish in the sea by 2050. “If we continue dumping plastic in the sea at the present rate, measured by weight, there will be more plastic than fish by 2050.”

The study examines just one area – San Francisco Bay. “If that’s not representative of the rest of the globe then you can see the potential for large deviations in this calculation,” says Prof Callum Roberts from the University of York.

Plastic Vs. Fish in the Ocean
Plastic Vs. Fish in the Ocean

The Human Induced Climate Change Experiment

bookmark_borderFlood Insurance and Rising Sea Levels

by Daniel Brouse

Q: Who pays for flood insurance?
A: The United States government, FEMA, covers losses for people that pay flood insurance premiums.

Q: Does your homeowners insurance policy cover you in the event of flooding?
A: No.

Flood insurance coverage is very limited. For instance, basements and belonging in a basement are not covered. Life-time coverage is also limited. If a property has a pay-out in the past, it will be applied to the maximum coverage of the life-time coverage.

As climate change causes extreme weather events and the sea level to rise, houses that are prone to flooding will find it harder and harder to get flood insurance. Without flood insurance, properties located in a flood plain become almost impossible to sell.

For years, the casinos in Atlantic City, NJ have had a plan to float the casinos and move them westward as the sea level rises. Shipping ports face a similar problem, but how can you move a port inland? Coastal areas will need to start a constant and progressive movement to higher ground.

Freddie Mac mortgage says, “Insurance is an essential component of real estate transactions, and flood insurance currently makes it possible to obtain loans for homes in areas of identified flood risk. However, some of the varied impacts of climate change—rising sea levels, changing rainfall and flooding patterns, increasing temperatures—may not be insurable. As a result, some important features of housing finance may have to change. The potential impact of these systemic changes on the financial system is difficult to visualize today.” (More from this article.)

Flood Insurance Index
Global Warming Index

bookmark_borderProtectionism: The Costs and Benefits of Trade Wars

by Daniel Brouse

Protectionism is the theory or practice of shielding a country’s domestic industries from foreign competition by restricting imports. There are no known benefits to protectionism. The costs of protectionism include being financially destructive, negatively impacting health and wellness, as well as, causing death. (also see: )

Following are a few examples:

GOLDEN RICE AND THE TRANS PACIFIC PARTNERSHIP
Trade restrictions are often put on agricultural products in an effort for a country to protect its farmers. The result is to harm the general population. Rice is a good example of a crop that is widely protected by trade restrictions. USA Rice states, “The barriers range from ongoing phytosanitary restrictions by Colombia on imports of U.S. paddy rice; a discriminatory and very complex tariff regime in the EU; the trade distorting impact of Thailand’s rice support program; government management of rice imports in Japan and Taiwan; and Korea’s new rice import regime.”

The United States Patent and Trademark Office stated, “Despite current interventions, vitamin A deficiency is the leading killer of children globally (2-3 million annually) and also the leading cause of childhood blindness (500,000 cases annually). Most cases arise in Asia where the staple food eaten by 3.5 billion people daily, white rice, lacks vitamin A sources typically found in meat and leafy vegetables. These deaths and blindness are preventable.”

In 2015, Golden Rice won a humanitarian award. Not only is Golden Rice more nutritious than white rice, it is also less harmful to the environment (since less of it needs to be grown.) There are numerous health benefits from Golden Rice including β-Carotene that provides vitamin A to children. It is estimated that millions of children’s lives could be saved and childhood blindness could be dramatically reduced.

The Trans-Pacific Partnership Agreement (TPP) would have eliminated trade restrictions on Golden Rice by the participating countries.

1930 SMOOT-HAWLEY TARIFF ACT
The Tariff Act of 1930 was signed into law on June 17, 1930 by President Herbert Hoover. The act raised U.S. tariffs on over 20,000 imported products. The tariffs imposed an effective tax rate of 60% on many of the goods. The Act also started a trade war with America’s trading partners resulting in reduced American exports and imports by more than 50% contributing to The Great Depression.

Historians estimate at least 3 million civilians died from the Great Depression in the United States, mostly young children, the elderly and women. The main causes were:

  1. malnutrition
  2. infectious disease
  3. attempted child birth
  4. starvation
  5. suicide

THE SHOE TAX
The shoe tax is a remnant of the Smoot–Hawley Act. United States’ shoe tariffs are 10 times higher than the average U.S. tariff rate. According to the U.S. International Trade Commission, in 2011 shoes accounted for 1 percent of merchandise imports, but  provided 7.9 percent of U.S. tariff revenue.

Regressive taxes disproportionately hurt the poor. A regressive tax “imposes a greater burden (relative to resources) on the poor than on the rich.” The money paid in taxes has a larger impact on the ability of lower-income households to satisfy their basic needs, like food, clothing, healthcare and shelter.

PHARMACEUTICAL TARIFFS
In 2006 the WTO said scrapping the tariffs on medicines and drug ingredients would result in “effective action to improve access to medicines and medical devices needed to treat a wide variety of diseases effectively and ensure that these goods reach patients expeditiously at a lower cost.”

“It is ironic that many of the countries that are in urgent need of cheap medicines also have a significant tax added to drugs and medical devices they import,” said Peter Allgeier, the US ambassador to the WTO.

The National Institute of Health stated:
A group of countries, including members of the European Union, Canada, the United States, Japan, Switzerland, and Norway, agreed to eliminate import tariffs on thousands of finished drugs and intermediate ingredients in the Uruguay round trade talks between 1986 and 1994. As a result, out of an average global trade in drugs worth $145bn between 1999 and 2001, $114bn was covered by the initiative. But almost $33bn is still subject to duty, the joint proposal noted.

AL-SHIFA PHARMACEUTICAL FACTORY
Operation Infinite Reach was the codename for an American cruise missile strike on a pharmaceutical plant in Sudan. After helping Sudan build a pharmaceutical factory, the United States blew it up. Initially, the U.S. claimed the plant was making chemical weapons. Eventually, the U.S. admitted there was no evidence the plant was making chemical weapons. The side-effects to the local population included:

  • no supplies of chloroquine (the standard treatment for malaria)
  • relief workers fleeing the country resulting in starvation
  • fostering the attack of 9/11

The trade disruption is estimated to have killed or maimed hundreds of thousands of people many of which were children.

BABY FORMULA IN CHINA
For years China had stiff tariffs on imported baby formula. The lack of competition forced the price higher and the quality lower. In 2012, China’s consumer quality regulator found an “unusual amount” of mercury in baby formula produced by Yili Industrial Group Co. “At present, the country has no standards on mercury limits in milk powder. But to be responsible to consumers, the company decided to recall all related products,” said the company.

It is unclear how many children have been malnourished or poisoned due to China’s trade policy. Under free-trade agreements, such as the TPP, countries can not put tariffs on the product and the product must meet the health and safety standards of the USA.

bookmark_borderThe Demise Of The USA: Will China Takeover?

By Daniel Brouse

UNITED STATES — President Trump has done more to damage the environment in his first days of office than any President in history. He has pledged to withdraw from the Paris treaty. The Paris Treaty was the most extensive agreement to address climate change and the first time China and India joined-in. Also, in the first hour of his administration all references to global warming and climate change were removed from WhiteHouse.gov. In addition, the website promoted the increased use of fossil fuels. Then on his first full day in office, Trump signed an executive order to withdraw from the The Trans-Pacific Partnership Agreement (TPP).

The TPP was a trade agreement negotiated by twelve countries: Australia, Canada, Japan, Malaysia, Mexico, Peru, United States, Vietnam, Chile, Brunei, Singapore, and New Zealand.

One of the largest benefits of the TPP would have been protecting the environment. Participating countries will need to adopt tougher pollution standards similar to the USA. “TPP includes the most robust enforceable environment commitments of any trade agreement in history,” according the United States. “TPP requires countries to play by fair environmental rules if they want to send their goods to the United States, and upgrades NAFTA by putting fully enforceable environment obligations at the core of the agreement.” In addition, TPP helps improve conditions on the ground in TPP countries by requiring them to:
* Fulfill their obligations under the Convention on International Trade in Endangered Species of Wild Fauna and Flora (CITES) to protect and conserve iconic species, such as rhinos and elephants.
* For the first time in any trade agreement, prohibit harmful fisheries subsidies, including those that contribute to overfishing, and work to restrain new subsidy programs or enhancements to existing subsidy programs.
* Combat illegal fishing, promote sustainable fisheries management practices, and protect wetlands and important natural areas.
* Promote the long-term conservation of whales, dolphins, sharks, sea turtles, and other marine species at risk.
* Combat wildlife trafficking, illegal logging, and illegal fishing through enhanced national and regional actions.
* Protect the marine environment from ship pollution, including by implementing their obligations under MARPOL (an international agreement to prevent marine pollution).

Now that the USA is pulling out, world leaders are considering China to replace the USA — a move that would backfire in Trump’s face.

bookmark_borderFUD (Fear, Uncertainty and Doubt)

By Daniel Brouse
For Widgette / Private Business

Has America turned into a giant Tupperware Party?

The field of consumer behavior is a social science that studies the psychology of consumerism. There are five basic psychological tactics to marketing:
* emotional and psychological appeals
* optimize credibility by highlighting your flaws
* re-position your competition
* promote exclusivity
* introduce fear, uncertainty, and doubt (FUD)

Fear, Uncertainty, And Doubt (FUD)

The "Daisy Ad" Video
The “Daisy Ad” Video (Click for Video and Audio)

Fear is very powerful in marketing. An example of fear advertising happened when Lyndon Johnson ran against Barry Goldwater in 1964. Johnson wanted to stoke public fear that Goldwater would cause a nuclear war. The “Daisy ad” or “Peace, Little Girl” ran only one time. It showed a little girl picking petals from a daisy, followed by a nuclear explosion and Johnson ominously stating, “These are the stakes. To make a world in which all of God’s children can live, or to go into the dark.” Johnson won, carried 44 states, and took 61% of the vote in a landslide victory.

One of the first companies to use FUD as its business model is Tupperware. They pioneered the direct marketing strategy made famous by the Tupperware party. “A Tupperware party is run by a Tupperware ‘consultant’ for a host who invites friends and neighbors into his or her home to see the product line. Tupperware hosts are rewarded with free products based on the level of sales made at their party. Parties also take place in workplaces, schools, and other community groups.”

When friends and neighbors attend a Tupperware party, the host introduces fear, uncertainty, and doubt to the participants. The consumer is made to worry what their friends and neighbors will think of them if they don’t make a purchase. There is fear of being publicly humiliated and doubt whether you will be un-friended.

The most disturbing use of FUD is Donald J. Trump. The Donald has used every trick in the book when it comes to using fear, uncertainty and doubt to motivate people. The current atmosphere makes one wonder — “Has America turned into a giant Tupperware party?”

bookmark_borderCarbon Offsetting and Reduction

The United Nations has initiated the first “worldwide” pollution tax. The International Civil Aviation Organization’s global carbon offsetting system is aimed at slowing the growth of emissions from commercial flights.

Carbon Offsetting and Reduction Scheme for International Aviation (CORSIA)

The role of a global MBM scheme is to complement a broader basket of measures to achieve the global aspirational goal (of carbon-neutral growth from 2020 onward.)

According to the Assembly Resolution, the average level of CO2 emissions from international aviation covered by the scheme between 2019 and 2020 represents the basis for carbon neutral growth from 2020, against which emissions in future years are compared. In any year from 2021 when international aviation CO2 emissions covered by the scheme exceed the average baseline emissions of 2019 and 2020, this difference represents the sector’s offsetting requirements for that year.

The CORSIA is implemented in phases, starting with participation of States on a voluntary basis, followed by participation of all States except the exempted States, as follows:

  • Pilot phase (from 2021 through 2023) and first phase (from 2024 through 2026) would apply to States that have volunteered to participate in the scheme; and
  • Second phase (from 2027 through 2035) would apply to all States that have an individual share of international aviation activities in RTKs in year 2018 above 0.5 per cent of total RTKs or whose cumulative share in the list of States from the highest to the lowest amount of RTKs reaches 90 per cent of total RTKs, except Least Developed Countries (LDCs), Small Island Developing States (SIDS) and Landlocked Developing Countries (LLDCs) unless they volunteer to participate in this phase.

States that voluntarily decide to participate the CORSIA may join the scheme from the beginning of a given year, and should notify ICAO of their decision to join by June 30 the preceding year.

It is important to note that, regardless of the phased implementation or exemptions under the CORSIA, all States with aircraft operators undertaking international flights are requested to compile and transmit aggregated emissions information of their operators to ICAO, as part of the activities included in the States’ implementation of a monitoring, reporting and verification (MRV) system.

The CORSIA calls for international aviation to address and offset its emissions through the reduction of emissions elsewhere (outside of the international aviation sector), involving the concept of “emissions units”. One emissions unit thereby represents one tonne of CO2. Two main types of emissions units exist: “offset credits” from crediting mechanisms and “allowances” from emissions trading schemes.

Offsetting could be through the acquisition and redemption of emissions units, arising from different sources of emissions reductions achieved through mechanisms (e.g. UNFCCC’s Clean Development Mechanism), programmes (e.g. REDD+) or projects (e.g. substituting coal-fired stoves with solar cookers). The buying and selling of eligible emissions units happens through a carbon market. The carbon market is a commodity market with the underlying commodity being emissions units. Like any commodity market, it is driven by the law of supply (eligible emissions units offered from different sources) and demand (eligible emissions units purchased by aircraft operators to offset their international aviation emissions under the CORSIA).​​

bookmark_borderTrump to Trash the Environment

United States of America — The world watches in dismay as Donald Trump appoints Myron Ebell, a professional climate change denier, to head his EPA transition team. During his campaign, Trump said that climate change is a hoax. Slate magazine reports, “Trump had tweeted in 2012 that global warming “was created by and for the Chinese in order to make U.S. manufacturing non-competitive.” He has also has previously called it a ‘hoax.'”

During his campaign, Trump also threaten to pull out of the Paris Climate Pact (which the US has already signed.) The Paris Accord is meant to prevent the world from reaching “the point of no return” — limit the temperature increase to 1.5 degrees Celsius. 2016 is already forecast to be the hottest year on record with the global average temperature 1.75°F above the 20th century average of 57.4°F.

Diplomats from around the world have voiced their concern. “A carbon tariff against the United States is an option for us,” Rodolfo Lacy Tamayo, Mexico’s under secretary for environmental policy and planning, said in a New York Times interview. He added, “We will apply any kind of policy necessary to defend the quality of life for our people, to protect our environment and to protect our industries.”

“I renew my offer to President-elect Trump to come to Fiji and see the effects of climate change,” said the island nation’s prime minister, Frank Bainimarama.

Now, Trump has appointed a professional climate change denier to dismantle the EPA (Environmental Protection Agency). Activists at the United Nations’ Paris talks depicted Myron Ebell, a climate contrarian, as one of seven “climate criminals” wanted for “destroying our future.” Now, Trump has appointed Ebell as head of the EPA transition team.

Municipalities throughout the U.S. are scrambling to take action prior to Trumps’ inauguration. The Baltimore Sun reports:
he Hogan administration’s petition filed this week urging the U.S. Environmental Protection Agency to crack down on 19 out-of-state, upwind coal-fired power plants that pollute Maryland’s air is certainly a welcome development. Maryland’s environment secretary had more or less promised such action earlier this year when he declined to join a multi-state lawsuit seeking similar enforcement by the federal agency.

The strategy might even prove productive if action is taken in the waning days of the Obama administration, which has expressed concern not only about toxic pollutants like sulfur dioxide that can be particularly harmful to people with asthma or other breathing problems, but carbon dioxide and other greenhouse gases that contribute to climate change. Maryland is imperiled by all of the above and needs federal authorities to act given that as much as 70 percent of the state’s air pollution can be traced to upwind sources.

So why does it sound like Maryland is asking for Marquess of Queensbury rules in the face of a street brawl? Most likely because Donald Trump was elected president last week and, in his first act of environmental stewardship named Myron Ebell, a professional climate change denier, to head his EPA transition team. The appointment came as no surprise given how often Mr. Trump attacked EPA’s efforts to protect public health and safety during the campaign, but it surely set the stage for what is coming next.

Here’s another clue: Those offending coal-burning plants are located in Indiana, Kentucky, Ohio, Pennsylvania and West Virginia. What else do they all have in common besides dirty air? They all supported Mr. Trump. How did Maryland do in this regard? Hillary Clinton won 60.5 percent of the vote, one of her best showings in the nation.

More on Climate Change

bookmark_borderGay Church Vs. Corruption

WEST CHESTER, PA — A microcosm of what is going on globally can be found at the corner’s of Gay and Church Street in West Chester, Pennsylvania. It is the County Seat and has a university within the Borough — a collision of humanity and hypocrisy.  Musicians, and artists of a wide variety, often come together at the corners of Gay and Church. Though the name Gay Church Band was meant as a location not a political statement, it is ironic that art and spirit are under attack at the corner. Police brutality in conspiracy with bureaucracy is unfortunately a reality.

REFERENCES:

Hate Crimes, Human and Civil Rights Violations in West Chester, Pennsylvania

West Chester Restricts Singing & Dancing (October 18, 2016)

Video Sample Of Gay Church Bashing

Gay Church Picture Collage