bookmark_borderWawa Data Breach

In December of 2019, Wawa admitted to a security breach that affected 30 million consumers. The credit card and debit card transactions in their stores, as well as, their gas pumps had been stolen for many months. Wawa is a privately owned company which makes it difficult to determine their sales and security. It is known that Wawa is the largest convenience store chain in the greater Philadelphia area with sales over $10 billion dollars. 645 Wawa locations in New Jersey, Pennsylvania, Delaware, Maryland, Virginia and Florida.

Wawa headquarters are located in Wawa, Pennsylvania. Wawa is an indigenous American word for “flying goose”; however, Wawa customer may feel they got a giant goose egg.

Krebs On Security reports, Wawa Breach May Have Compromised More Than 30 Million Payment Cards. “On the evening of Monday, Jan. 27, a popular fraud bazaar known as Joker’s Stash began selling card data from “a new huge nationwide breach” that purportedly includes more than 30 million card accounts issued by thousands of financial institutions across 40+ U.S. states.
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Jan 20
Wawa Breach May Have Compromised More Than 30 Million Payment Cards

In late December 2019, fuel and convenience store chain Wawa Inc. said a nine-month-long breach of its payment card processing systems may have led to the theft of card data from customers who visited any of its 850 locations nationwide. Now, fraud experts say the first batch of card data stolen from Wawa customers is being sold at one of the underground’s most popular crime shops, which claims to have 30 million records to peddle from a new nationwide breach.

On the evening of Monday, Jan. 27, a popular fraud bazaar known as Joker’s Stash began selling card data from “a new huge nationwide breach” that purportedly includes more than 30 million card accounts issued by thousands of financial institutions across 40+ U.S. states.

The fraud bazaar Joker’s Stash on Monday began selling some 30 million stolen payment card accounts that experts say have been tied back to a breach at Wawa in 2019.

Two sources that work closely with financial institutions nationwide tell KrebsOnSecurity the new batch of cards that went on sale Monday evening — dubbed “BIGBADABOOM-III” by Joker’s Stash — map squarely back to cardholder purchases at Wawa.”

More on Security

bookmark_borderNeed to Prepare for Millions of Climate Change Refugees

World needs to prepare for ‘millions’ of climate displaced: U.N.
January 21, 2020

Reuters reported:
DAVOS, Switzerland (Reuters) – The world needs to prepare for millions of people being driven from their homes by the impact of climate change, the United Nations High Commissioner for Refugees.

Speaking to Reuters at the World Economic Forum, Filippo Grandi said a U.N. ruling this week meant those fleeing as a result of climate change deserved international protection, and that it had broad implications for governments.

The U.N. Human Rights Committee made the landmark ruling on Monday in relation to Ioane Teitiota, from the Pacific nation of Kiribati, who brought a case against New Zealand after authorities denied his claim of asylum.

“The ruling says if you have an immediate threat to your life due to climate change, due to the climate emergency, and if you cross the border and go to another country, you should not be sent back, because you would be at risk of your life, just like in a war or in a situation of persecution,” Grandi said.

“We must be prepared for a large surge of people moving against their will,” he said. “I wouldn’t venture to talk about specific numbers, it’s too speculative, but certainly we’re talking about millions here.”

Potential drivers include wildfires like those seen in Australia, rising sea levels affecting low-lying islands, the destruction of crops and livestock in sub-Saharan Africa and floods worldwide, not least in parts of the developed world.

Whereas for most of its 70 years UNHCR, the UN’s refugee agency, has worked to assist those fleeing poorer countries as a result of conflict, climate change is more indiscriminate.

“It is further proof that refugee movements and the broader issue of migration of populations … is a global challenge that cannot be confined to a few countries,” said Grandi.
70 MILLION DISPLACED

Yet the convention relating to the status of refugees, signed in 1951, made no provision for climate change as a reason for people to flee their country and seek asylum elsewhere. As climate impacts grow, legal questions become more complicated.

UNHCR, whose budget has risen from $1 billion a year in the early 1990s to $8.6 billion in 2019 as conflicts in Iraq, Afghanistan and Syria have forced civilians to flee, now assists more than 70 million forcibly displaced people.

Turkey is the largest recipient, with more than 4 million refugees and asylum seekers, the vast majority from Syria. That has strained Turkey’s public finances and led President Tayyip Erdogan to demand more assistance from Europe.

Last November, Erdogan threatened to open the door for Syrian refugees to head to Europe unless the European Union stepped up, and he is now calling for the “resettlement” of up to 1 million Syrians in the north of their homeland.
Slideshow (12 Images)

Grandi said European governments needed to think hard about solutions to the migrant crisis, which has affected them since 2015, but also show more understanding of Turkey’s situation.

“We must recognise that, for the past several years (Turkey)has been hosting the largest refugee population in the world,” he said. “There’s a lot of political talk. I concentrate on the substance of this, which is ‘let’s strengthen Turkey’s ability to host refugees until they can go back safely, voluntarily to their countries’.”

More on Climate Change Refugees

More on Climate Change

bookmark_borderThe True Costs (and Benefitlessness) of a Trump Economy

January 23, 2020

What are the costs and benefits to the United States under a Trump economy?

Financial Analysis: Current State of Affairs
First, start with a financial analysis — a snapshot of the current economic health of the nation. What would a financial analysis that is similar to an individual applying for a bank loan, or a married couple visiting a financial planner for their retirement plan, look like? What are the assets and liabilities? What type of assets and liabilities are in your portfolio? What are your saving patterns? Did you get a large gift from your parents or have you been showing a strong pattern of saving over time? What is your income? Have you made dubious loans to yourself? Where does your income come from? What is your credit history?

A financial analysis of the U.S.A. results in a failing grade.

Impacts of Fiscal and Monetary Policy
After examining the current state of affairs, examine the fiscal policies of the Executive Branch and the monetary policies pushed onto the Federal Reserve. The Trump administration has taken extremely negative positions with free-trade, as well as, jeopardized the standing of the world reserve currency.

Tariffs
The Trump administration has destroyed the United States leadership in free-trade. Huge taxes were placed upon the American public through the use of tariffs. The tariffs were put on goods and services from around the world and paid for by the American consumer. The placement of tariffs have circumvented congress’ oversight and consumer protection considerations. Not only do tariffs introduce new taxes on the population, they also destroy trade relationships with other countries. That is to say, tariffs and retaliatory tariffs cause foreign countries to look elsewhere for their imports. For example, China’s retaliatory tariffs on agriculture resulted in China developing new trade partnerships that do not include the USA.

Here is a partial list of Trump Tariffs:
Solar panels: 15 – 30%
Washing machines: 16 – 50%
Steel and aluminum: 10 – 25%
Chinese products: 15 – 50%
South Korean products: 25%

More tariffs were placed on India, Canada, Mexico, the European Union and others.

Tariffs not only have a direct impact on U.S. current affairs, but they will leave everlasting damage.

Inflation
The overall Trump economic policy has put the economy at risk of high inflation and interest rates.

Inflation Update: Immigration and the Wage Inflation Spiral (June 12, 2022)
An important factor in the 2022 record inflation situation can be traced back to the Trump immigration policy.

The US has stagnant population growth (as does the UK, EU, etc. Japan has a declining population.)

During the Trump administration, the US drastically curtailed immigration. The Biden administration continues to do so today.

The result has been wage inflation. The wage inflation that started in 2018 began the overall inflation spiral that continues today. A wage inflation spiral happens when the initial wage inflation is canceled out by the price inflation requiring further wage inflation to keep up with the price inflation… the increase prices require more wage inflation for employees to keep pace with the cost of living… the subsequent rise in wages results in the need to raise prices to pay the workers… and round and round we go.

The solutions are to either increase our population (through immigration) and/or increase our productivity by eliminating the need for humans.

How the Inflation Spiral Started: Immigration
The Trump administration’s policy on immigration and building The Wall have a devastating impact on the economy. The U.S. economy is a capitalistic system based on population growth. The birth rate in America is close to zero percent. In order to maintain the standard of living, the country needs to gain millions of people through immigration. The Trump policies have attempted to eliminate immigration.
— Daniel Brouse (2020)

* “Over the course of four years, the Trump administration set an unprecedented pace for executive action on immigration, enacting 472 administrative changes that dismantled and reconstructed many elements of the U.S. immigration system. Humanitarian protections were severely diminished. The U.S.-Mexico border became more closed off. Immigration enforcement appeared more random. And legal immigration became out of reach for many. All of this was accomplished nearly exclusively by the executive branch, with sweeping presidential proclamations and executive orders, departmental policy guidance, and hundreds of small, technical adjustments.” — Migration Policy Institute’s Four Years of Profound Change (2022>

* “After years of wage stagnation, we are finally seeing rising wages,” Donald Trump (State of the Union 2018)
“The Employment Cost Index, a measure of salary and benefit costs, registered a 2.6 percent gain for the full year, tied for the best since 2007.” — CNBC (January 31, 2018)

* From December of 2020 through January of 2022, nominal wages and salaries were up 4.5 percent, the fastest increase since 1983. — Bureau of Labor Statistics (BLS)

World Reserve Currency
“A nation that prints its own currency, and that currency is the world reserve currency, is not threatened by deficits. Until that currency stops being the reserve currency,” said Sidd Mukherjee.

The U.S. dollar as the world reserve currency has given the United States an unfair economic advantage. The U.S. has been able to “print” and borrow money in ways that break the rules of economics; however, the Trump administration has jeopardized the standing of the dollar as the world reserve currency.

The major economic powers of the world entered into a nuclear arms deal with Iran called the Joint Comprehensive Plan of Action (JCPOA). In October of 2017, Trump began pulling out of the agreement. On May 8, 2018, Trump announced the United States withdrawal from JCPOA and declared economic warfare on Iran. The warfare included “tough new sanctions” on Iran. The other countries to the treaty attempted to maintain the JCPOA by developing a new system to by-pass the world reserve currency.

Germany, France and Britain officially set up a European mechanism to facilitate non-dollar trade with Iran, the Instrument in Support of Trade Exchanges (Instex). Russia and other countries have since joined Instex.

Risk Management
The future of the nation is dependent on current risk management. “On the High Risk List; the fragmentation, overlap, and duplication annual report; natural disasters and climate change; and other topics,” reports the General Accounting Office of the USA. Pollution, in particular air pollution, is also a substantial risk. CO2, methane and other greenhouse gases have all increased under the Trump plan. Trump has withdrawn from the Paris Agreement and has consistently called climate change a hoax.

It’s never a good idea to say “never”… but, risk-management-denial always increases the probability of a worse case scenario.

Not only is our nation’s current cash-flow severely hemorrhaging due to extreme weather events (and other costs associated with climate change), but this is just the tip of the iceberg. Climate change denial is risk-management-denial.

Pollution and Climate Change Costs Unsustainable

Trump recently stated, “We have the cleanest air.” This is a boldfaced lie. Air pollution in the form of particulates and ozone are a severe health emergency in the United States.

“According to a 2009 report, around ’60 percent of Americans live in areas where air pollution has reached unhealthy levels that can make people sick.’ Air pollution can cause a variety of health problems including, but not limited to infections, behavioral changes, cancer, organ failure, and even premature death.” (Wikipedia) Air pollution is the number one cause of illness in the world and the second leading cause of death. The cost of air pollution can not be contained by one country — pollution knows no borders. It is estimated 8 million people a year die from air pollution.

A report by Stanford and Carnegie Mellon University states, “Air pollution negatively impacts the U.S. economy, costing the U.S. roughly 5 percent of its yearly gross domestic product (GDP) in damages ($790 billion in 2014). The highest costs come from early deaths, attributable to exposure to fine particulate matter (PM2.5).” The number had been falling up to 2016, but Trump has dramatically undermined clean air laws. As of December 2019, Trump had rolled back 95 environmental protection laws.

Air pollution also contributes to the climate change crisis, and in an exponential feedback loop, climate change contributes to air pollution. For instance, the wildfires in California and Australia were made more severe due to human induced climate change. The wildfires resulted in air pollution that costs billions of dollars in damages, illness and death. The wildfires also contributed to greenhouse gases and climate change that will result in more wildfires.

Though a huge cost, the climate change / air pollution feedback loop is just a small cost of climate change. Not only has the Trump administration not properly assessed the risk of climate change, the administration has undermined efforts to mitigate climate change. Even more brazen, the administration has enacted policies that hasten the devastation of global warming.

The costs of climate change are huge. The Hamilton Project and the Stanford Institute for Economic Policy Research reports, “Damages to the U.S. economy grow with temperature change at an increasing rate.” The Washington Post reports, “Climate change could cost the U.S. economy up to 10.5% of GDP by 2100.” The cost of not adapting to climate change will likely cripple the American economy.

The current costs, the costs of not adapting, and the costs of not preventing climate change are overwhelming to calculate. Take flood insurance as an example. Sea level rise and extreme weather events have redrawn floodmaps and bankrupted the National Flood Insurance Program. What flood insurance that is still available has started a series of exponential increases in premiums. Real estate along the coasts and flood prone areas will become worthless in the coming years.

The other costs associated with the Trump administration’s climate change policy is too long to list.  Fossil fuel elimination and climate change mitigation our essential for risk management.

Immigration and the Acquisition Of Private Property
The Trump administration’s policy on immigration and building The Wall have a devastating impact on the economy. First, the U.S. economy is a capitalistic system based on population growth. The birth rate in America is close to zero percent. In order to maintain the standard of living, the country needs to gain millions of people through immigration. The Trump policies have attempted to eliminate immigration.

Also of a long-term negative impact is the building of The Wall. Funds to build the wall were diverted against the will of congress. The funds were then used to seize private land. The land seizures and The Wall have had a major impact on nature preserves and indigenous sacred grounds. Just as detrimental are the eminent domain acquisitions of individuals’ land. Socialization of private property is an attack on the economic system. The costs to the economy and freedom are not quantifiable.

Income Inequality
The Trump administration’s policies have widened the economic divide and income inequality in the United States.  Trump said, “inequality is down.” The next day federal data was released and the Washington Post reported, “The separation between rich and poor from 2017 and 2018 was greater than it has ever been.”

“Wages are up, and inequality is down. Something that people don’t like writing about.” Trump said during a press conference following the United Nations General Assembly meeting in New York. Again, this is not true. The Economic Policy Institute reports, “Slow wage growth is a key sign of how far the U.S. economy remains from a full recovery. Nominal wage growth since the recovery officially began in mid-2009 has been low and flat.”

BENEFITS
There have not been any real benefits from Trump policies. Some people try to point to employment and tax cuts.

Employment
Employment and unemployment numbers became irrelevant as an economic indicator in the 1990’s. The internet and the worldwide web transformed the definition of employment. In addition, you would need to deduct all the jobs lost through the elimination of most temporary work visas. Many of these jobs have not been filled, especially in agriculture, horticulture and hospitality. Billions of dollars in wages and taxes have been eliminated through the Trump immigration policy. These numbers are not included in employment figures.

During the fourth quarter of 2016, 7.6 million people were unemployed. At the end of 2018, 9.0 million people remained unemployed. Yet, Trump claims to have created 5 million new jobs. Do the math.

In January 2020, Trump boasted at a campaign rally in Wildwood, NJ that “factory jobs were the best ever in the history of the United States.” Reuters reported, U.S. factory sector in deepest slump in more than 10 years. “The U.S. manufacturing sector fell into its deepest slump in more than a decade in December as the U.S.-China trade war kept a lid on factory output, orders and employment…. The Institute for Supply Management (ISM) said its index of national factory activity fell to 47.2 last month from 48.1 in November. It was the lowest reading since June 2009 and, coupled with readings for both new orders and factory employment at multi-year lows, thwarted expectations for a leveling off in the pace of decline in a sector buffeted by trade tensions. ”

Tax Cuts
The only beneficial tax cut that has been made by the administration was to lower corporate taxes. Corporate profits are already taxed as income to shareholders. The corporate tax is double taxation. A fair tax policy would not have corporate taxation. However, the other Trump trade and tax policies’ negative impacts far outweigh the positive impact of a reduction in corporate tax rates.

But, What About Obama?
Obama increased the national debt by about $1 trillion/year. Trump is increasing the national debt by about $1 trillion/year. What makes Trump worse than Obama — Trump is suppose to be a fiscally conservative Republican. Obama wasn’t suppose to be. So, for that reason, Trump’s deceit makes it worse than Obama. Trump is not stopping the problem. Worse yet, he is contributing to the problem at the same rate as Obama, as well as, putting the future economy at risk through bad trade and environmental policies. Trump is trying to con the American public into a false narrative on the economy.  In fact, this is not “the best economy ever. Rather, it is the worst economy ever.

Morning Brew reported, U.S. Budget Deficit to Exceed $1 Trillion in 2020. “The U.S. budget deficit will top $1 trillion this year, according to a new report from the nonpartisan Congressional Budget Office (CBO). What that means: The government will spend $1.02 trillion more than it collects in 2020. The widening deficit is a result of the 2017 tax cuts and an increase in spending on federal programs.”

By 2020, the debt to GDP ratio hit its highest level ever at 125%.

Conclusion
The national debt is unsustainable. The debt, risk-management-denial, deceit, nationalism, and greed will sink our ship.


ABOUT THE AUTHOR
The responsibility an economist accepts is to determine the “costs and benefits of our actions on society.” Then, attempt to convert the difference into dollars. Is economics opinion? That depends on your value of the costs and benefits of your actions on society.

bookmark_borderWorst Economy Ever: United States Financial Health in 2020 Hindsight

by Daniel Brouse
Economist, Pi Gamma Mu

January 22, 2020

The U.S. economy is the worst in history. There are several measures for the health of an economy. One of the best is the “debt to GDP” ratio. National debt divided by the nation’s gross domestic product = debt to GDP ratio.

During 2019, the nation’s debt to GDP ratio reached a record high (when the Fed’s balance sheet is included.)

Calculation:
23.177 trillion $ 2019 Debt
3.8 trillion $ assets on the Federal Reserve’s balance sheet
_______________
26.977‬ trillion
/ divided by the GDP
21.439 trillion
_______________
125.83% debt to GDP ratio

One hundred and twenty-five percent is the highest debt to GDP ratio in the history of the United States of America.

When an individual borrows money, their debt to income ratio usually can not exceed 36%. The debt to income ratio is a reliable indicator of the ability to repay a loan. Exceptions are made for young borrowers with likely prospects of wage growth. The growth rate of the US GDP has been flat and is projected to go lower.

When a nation borrows money, the debt to GDP ratio also determines the ability to repay the debt. Therefore, it is safe to say the U.S. is in the worst economic position ever.

It’s not really a good idea to compare the debt to GDP ratio to other countries or periods in time. A better rule of thumb would be a ratio under 40% and preferably close to 0; however, for those that are curious:
Denmark — 35%
Switzerland — 33%
Australia — 47%
China — 47%
UK — 87%
Mozambique — 119%

The USA historically has had a ratio in the 30% range from 1967 through 1984. The last time the ratio came close to today’s 125% was in 1945 – 1947 when the ratio hit 119% due to the effects of WWII, the recession, and President Truman’s economic policies.

Why the Fed’s Balance Sheet is Important
It is very important to include the assets on the Federal Reserve’s balance sheet in the calculation. The reason being — the Fed should not have any assets on its balance sheet. When the Fed buys assets from the Treasury, the government is in fact borrowing the money from itself. The government is “printing” money. The government is competing with the private sector to lend the government money. Interest rates are artificially low due to the lack of competition. Borrowing more money to repay debt is unsustainable.

The U.S. General Accounting Office (GAO)
The GAO has the best accountants in the world. The GAO says: “The Comptroller General testified before Congress about the government’s unsustainable fiscal outlook, the need for a long-term plan to address growing debt, and other aspects of the nation’s fiscal health.” The comptroller concludes the continued growth of public debt is unsustainable. “This statement is based on our prior work on the High Risk List; the fragmentation, overlap, and duplication annual report; natural disasters and climate change; and other topics.”

Worst Economy Ever
The U.S. economy is currently the worst in the nation’s history. At no time in history has our debt + Fed assets / GDP = 125%. The economy is unsustainable.

bookmark_borderClimate Change and Disaster Displacement

The UN Refugee Agency reports:

Research indicates that the Earth’s climate is changing at a rate that has exceeded most scientific forecasts. Some families and communities have already started to suffer from disasters and the consequences of climate change, which has forced them to leave their homes in search of a new beginning.

UNHCR recognizes that the consequences of climate change are extremely serious, including for refugees and other people of concern. The Global Compact on Refugees, adopted by an overwhelming majority in the UN General Assembly in December 2018, directly addresses this growing concern. It recognizes that ‘climate, environmental degradation and natural disasters increasingly interact with the drivers of refugee movements.’

The impacts of climate change are numerous. Limited natural resources, such as drinking water, are likely to become even scarcer in many parts of the world. Crops and livestock struggle to survive in climate change ‘hotspots’ where conditions become too hot and dry, or too cold and wet, threatening livelihoods and exacerbating food insecurity.

People are trying to adapt to the changing environment, but many are being forcibly displaced from their homes by the effects of climate change and disasters, or are relocating in order to survive. New displacement patterns, and competition over depleted natural resources can spark conflict between communities or compound pre-existing vulnerabilities.

People displaced across borders in the context of climate change and disasters may in some circumstances be in need of international protection. Refugee law therefore has an important role to play in this area. UNHCR is providing protection and assistance for many people forcibly displaced by the effects of climate change and disasters, among other drivers, and is working to increase their resilience.
UNHCR’s role in addressing climate change and disaster-related displacement

UNHCR’s work on climate change and disaster displacement covers four main areas:

Legal advice, guidance and the development of norms to support the enhanced protection of the rights of people displaced in the context of disasters and climate change.
Promoting policy coherence to ensure that issues of disaster displacement are effectively mainstreamed across relevant areas.
Research to fill gaps that underpin this operational and policy work.
Field-based activities to address internal and cross-border disaster displacement; to reduce the environmental impact of refugee settlements and ensure sustainable responses to displacement; risk reduction activities and others which may contribute to efforts to avert, minimize and address displacement.

Through its participation in global policy processes, UNHCR has played a pioneering role in raising awareness about climate change as a driver of displacement and the need to address protection for people displaced in the context of disasters.

In 2018, extreme weather events such as severe drought in Afghanistan, Tropical Cyclone Gita in Samoa, and flooding in the Philippines, resulted in acute humanitarian needs. According to the Internal Displacement Monitoring Centre, there were 18.8 million new disaster-related internal displacements recorded in 2017. Most disaster displacement linked to natural hazards and the impacts of climate change is internal, with those affected remaining within their national borders. However, displacement across borders also occurs, and may be interrelated with situations of conflict or violence.

In all cases, people displaced by disasters have needs and vulnerabilities that must be addressed. People already displaced for reasons other than disasters linked to natural hazards – including refugees, stateless people, and the internally displaced – often reside in climate change ‘hotspots’ and may be exposed to secondary displacement. Moreover, similar impacts on their home areas can inhibit their ability to safely return.

UNHCR plays a leading role in the Global Protection Cluster for protecting and assisting people who are forcibly displaced inside their countries and cannot return safely home. When called upon to intervene, can deploy emergency teams and provide concrete support in terms of registration, documentation, family reunification and the provision of shelter, basic hygiene and nutrition. UNHCR is also a standing invitee to the Steering Group of the Platform on Disaster Displacement, in follow-up to the Nansen Initiative on cross-border disaster displacement. The Platform on Disaster Displacement is a State-led initiative focused on the implementation of the Nansen Initiative’s Protection Agenda.

UNHCR has developed planned relocation guidance together with Georgetown University and other partners for the relocation of at-risk populations to protect them from disasters and the impacts of climate change while respecting their human rights. Furthermore, UNHCR has provided technical support to the United Nations Framework Convention on Climate Change process since 2008, including through the Advisory Group on Human Mobility and Climate Change, and in its role as a member of the Task Force on Displacement (TFD) mandated by the Executive Committee of the Warsaw International Mechanism on Loss and Damage.

In 2018, in the implementation of the Workplan of the TFD, UNHCR commissioned a mapping on existing international and regional guidance and tools on averting, minimizing, addressing and facilitating durable solutions to displacement related to the adverse impacts of climate change and contributed to the development of recommendations for integrated approaches to avert, minimize and address displacement linked to the adverse effects of climate change that were presented at COP24 and adopted by Parties. UNHCR remains committed to continue providing technical support to Parties in implementing the Paris Agreement, and to actively participating in the TFD under its renewed mandate.
‘Climate refugees’?

The term “climate refugee” is often used in the media and other discussions. However, this phrase can cause confusion, as it does not exist in international law. A “refugee” is defined as a person who has crossed an international border “owing to well-founded fear of being persecuted for reasons of race, religion, nationality, membership of a particular social group or political opinion” (1951 Convention relating to the Status of Refugees). In some contexts, the definition extends to persons fleeing “events seriously disturbing public order” (1969 OAU Convention; 1984 Cartagena Declaration). Climate change affects people inside their own countries, and typically creates internal displacement before it reaches a level where it displaces people across borders. There may be situations where the refugee criteria of the 1951 Convention or broader refugee criteria of regional refugee law frameworks may apply, for example if drought-related famine is linked to situations of armed conflict and violence – an area known as “nexus dynamics.” Regardless, the term “climate refugee” is not endorsed by UNHCR, and it is more accurate to refer to “persons displaced in the context of disasters and climate change.”
Nexus Dynamics

Recent history has borne witness to cross border movements in situations where conflict or violence has interacted with disaster or adverse effects of climate change. Yet, research on how destination States have used refugee law to provide international protection in these complex situations has traditionally been limited. To address this knowledge gap and to identify policy and practical solutions to strengthen the implementation of refugee law based international protection when cross-border movements occur in the context of nexus dynamics, in 2018 UNHCR undertook the study: In Harm’s Way: International protection in the context of nexus dynamics between conflict or violence and disaster or climate change.

It examines the protection provided to people displaced across borders by countries of destination in specific situations in the Horn of Africa and the Americas, where conflict or violence interacted with climate change or disaster. A brief overview of the study, which sets out the scope, key observations and recommendations, is available in English, French and Spanish. The study’s findings build on UNHCR’s Legal considerations on refugee protection for people fleeing conflict and famine affected countries and indicate that refugee law frameworks can be applicable in situations where nexus dynamics are present. Nevertheless, there are still data and knowledge gaps in this area that need to be addressed.

bookmark_borderClimate Change Refugees Seeking Asylum

A United Nations panel has ruled refugees fleeing the effects of the climate crisis cannot be forced to return home by their adoptive countries:

[CNN Report: Climate refugees cannot be sent back home, United Nations rules in landmark decision]

Factual background
2.1 The author claims that the effects of climate change and sea level rise forced him to migrate from the island of Tarawa in the Republic of Kiribati to New Zealand. The situation in Tarawa has become increasingly unstable and precarious due to sea level rise caused by global warming. Fresh water has become scarce because of saltwater contamination and overcrowding on Tarawa. Attempts to combat sea level rise have largely been ineffective. Inhabitable land on Tarawa has eroded, resulting in a housing crisis and land disputes that have caused numerous fatalities. Kiribati has thus become an untenable and violent environment for the author and his family.
2.2 The author has sought asylum in New Zealand, but the Immigration and Protection Tribunal issued a negative decision concerning his claim for asylum. Still, the Tribunal did not exclude the possibility that environmental degradation could “create pathways into the Refugee Convention or protected person jurisdiction.” The Court of Appeal and the Supreme Court each denied the author’s subsequent appeals concerning the same matter.
2.3 In its decision of 25 June 2013, the Immigration and Protection Tribunal first examined in detail the 2007 National Adaptation Programme of Action filed by the Republic of Kiribati under the United Nations Framework Convention on Climate Change. As described by the Tribunal, the National Adaptation Programme of Action stated that the great majority of the population had subsistence livelihoods that were heavily dependent on environmental resources. The Programme of Action described a range of issues that had arisen from the existing and projected effects of climate change-related events and processes. Among the effects of climate change, coastal erosion and accretion were most likely to affect housing, land and property. In South Tarawa, 60 sea walls were in place by 2005. However, storm surges and high spring tides had caused flooding of residential areas, forcing some to relocate. Attempts were being made to diversify crop production, for example, through the production of cash crops. Most nutritious crops were available and could be prepared into long-term preserved food. However, the health of the population had generally deteriorated, as indicated by vitamin A deficiencies, malnutrition, fish poisoning, and other ailments reflecting the situation of food insecurity.
2.4 The Tribunal next considered the expert testimony of John Corcoran, a doctoral candidate researching climate change in Kiribati at the University of Waikato in New Zealand. Mr. Corcoran, a national of the Republic of Kiribati, characterized the country as a society in crisis owing to climate change and population pressure. The islands constituting the country rose no more than three meters above sea level. Soils were generally poor and infertile. Unemployment was high. The population of South Tarawa had increased from 1,641 in 1947 to 50,000 in 2010. In Tarawa and certain other islands of Kiribati, the scarcity of land engendered social tensions. Violent fights often broke out and sometimes led to injuries and deaths. Rapid population growth and urbanization in South Tarawa had compromised the supply of fresh water. No island in Kiribati had surface fresh water. As a result of the increase in population, the rate of water extraction from the freshwater lens exceeded the rate of its replenishment through the percolation of rainwater. Waste contamination from Tarawa had contributed to pollution of the freshwater lens, rendering some of the five underground water reserves unfit for the supply of fresh drinking water. Increasingly intense storms occurred, submerging the land in certain places on South Tarawa and rendering it uninhabitable. This often occurred three or four times a month. Rising sea levels caused more regular and frequent breaches of sea walls, which were in any case not high enough to prevent saltwater intrusion over the land during high tides. Household wells in high-density housing areas could not be used as a water supply due to increasing contamination, and rainwater catchment systems were only available in homes constructed of permanent materials. Thus, approximately 60 per cent of the population of South Tarawa obtained fresh water exclusively from rationed supplies provided by the public utilities board. Trash washed onto the beach posed health hazards for local landowners. According to Mr. Corcoran, the Government of the Republic of Kiribati was taking some steps to address this. It had a Programme of Action in place to help communities adapt to climate change.1
2.5 Next, the Tribunal examined the testimony given by the author during the appeal hearing. According to the Tribunal’s description of the testimony, the author was born on an islet situated north of Tarawa, a journey of several days away by boat. He completed secondary school and obtained employment for a trading company, which ended in the mid-1990s when the company folded. He had not been able to find work since then. In 2002, the author and his wife moved in with his wife’s family in a traditionally-constructed dwelling in a village in Tarawa. The dwelling was situated on ground level and had electricity and water but no sewage services. Beginning in the late 1990s, life progressively became more insecure on Tarawa because of sea level rise. Tarawa became overcrowded due to the influx of residents from outlying islands, because most government services, including those of the main hospital, were provided on Tarawa. As villages became overcrowded, tensions arose. Also beginning in the late 1990s, Tarawa suffered significant amounts of coastal erosion during high tides. The land surface regularly flooded, and land could be submerged up to knee-deep during king tides. Transportation was affected, since the main causeway separating north and south Tarawa was often flooded. The situation caused significant hardship for the author and other inhabitants of Tarawa. The wells on which they depended became salinized. Salt water was deposited on the ground, resulting in the destruction of crops. The land was stripped of vegetation in many places, and crops were difficult to grow. The author’s family relied largely on subsistence fishing and agriculture. The sea wall in front of the author’s in-laws’ home was often damaged and required constant repair. The author and his wife left the Republic of Kiribati for New Zealand because they wished to have children, and had received information from news sources that there would be no future for life in their country. The author accepted that his experiences were common to people throughout the Republic of Kiribati. He believed that the country’s Government was powerless to stop the sea level rise. Internal relocation was not possible. The author’s parents lived on Tarawa but faced similar environmental and population pressures.
2.6 The Tribunal also considered the oral testimony of the author’s wife. According to the Tribunal, she testified that she was born in the late 1970s on Arorae Island, in the south of the Republic of Kiribati. In 2000, her family moved to Tarawa. She married the author in 2002. Her parents’ house there was situated on the edge of a sea wall. The house and land were not owned by her parents but belonged to a neighbor. Since her arrival in New Zealand, the neighbor had passed away, and his children had been demanding that her family vacate the house. Her family was supported financially by one of her brothers, who had obtained employment in South Tarawa. If the family were obligated to vacate the house, they would have to travel back to Arorae Island and settle on a small plot of land. She was concerned for the family’s health and well-being. The land was eroding due to the effects of sea level rise. The drinking water was contaminated with salt. Crops were dying, as were the coconut trees. She had heard stories of children getting diarrhea and even dying because of the poor quality of the drinking water. Land was becoming very overcrowded, and houses were close together, which led to the spread of disease.
2.7 The Tribunal also considered many supporting documents submitted by the author, including several scholarly articles written by United Nations entities and experts. The Tribunal analyzed whether the author could qualify as a refugee or a protected person under the Refugee Convention, the Convention against Torture, or the Covenant. It found the author entirely credible. It noted that the carrying capacity of the land on the Tarawa atoll had been negatively impacted by the effects of population growth, urbanization, and limited infrastructure development, particularly in relation to sanitation. These impacts had been exacerbated by both sudden-onset environmental events, such as storms, and slow-onset processes, such as sea level rise. The Tribunal noted that the author had been unemployed for several years before arriving in New Zealand, and had relied on subsistence agriculture and fishing, while receiving financial support from his wife’s brother. The Tribunal noted the author’s statement that he did not wish to return to the Republic of Kiribati because of the difficulties he and his family faced there, due to the combined pressures of overpopulation and sea level rise. The house they were living in on South Tarawa was no longer available to them on a long-term basis. Although the couple’s families had land on other islands, they would face similar environmental pressures there, and the land available was of limited size and was occupied by other family members.
2.8 After a lengthy analysis of international human rights standards, the Tribunal considered that “while in many cases the effects of environmental change and natural disasters will not bring affected persons within the scope of the Refugee Convention, no hard and fast rules or presumptions of non-applicability exist. Care must be taken to examine the particular features of the case.” After further examination, the Tribunal concluded that the author did not objectively face a real risk of being persecuted if returned to Kiribati. He had not been subjected to any land dispute in the past and there was no evidence that he faced a real chance of suffering serious physical harm from violence linked to housing/land/property disputes in the future. He would be able to find land to provide accommodation for himself and his family.1 Moreover, there was no evidence to support his contention that he was unable to grow food or obtain potable water. There was no evidence that he had no access to potable water, or that the environmental conditions that he faced or would face on return were so perilous that his life would be jeopardized. For these reasons, he was not a “refugee” as defined by the Refugee Convention.
2.9 Regarding the Covenant, the Tribunal noted that the right to life must be interpreted broadly, in keeping with the Committee’s general comment No. 6 (1982) on article 6. The Tribunal cited academic commentary stating that under article 6, an arbitrary deprivation of life involves an interference that is: (a) not prescribed by law; (b) not proportional to the ends sought; and (c) not necessary in the particular circumstances of the case.2 On this basis, the Tribunal accepted that the right to life involves a positive obligation of the state to fulfil this right by taking programmatic steps to provide for the basic necessities for life. However, the author could not point to any act or omission by the Government of Kiribati that might indicate a risk that he would be arbitrarily deprived of his life within the scope of article 6 of the Covenant. The Tribunal considered that the Government of Kiribati was active on the international stage concerning the threats of climate change, as demonstrated by the 2007 Programme of Action. Moreover, the author could not establish that there was a sufficient degree of risk to his life, or that of his family, at the relevant time. Quoting the Committee’s jurisprudence in Aalbersberg et al. v. the Netherlands (CCPR/C/87/D/1440/2005), the Tribunal stated that under the Optional Protocol, the risk of a violation of the Covenant must be “imminent.” This means that the risk to life must be, at least, likely to occur. No evidence was provided to establish such imminence. The Tribunal accepted that, given the greater predictability of the climate system, the risk to the author and his family from sea level rise and other natural disasters could, in a broad sense, be regarded as more imminent than the risk posed to the life of the complainants in Aalbersberg et al v. the Netherlands. However, the risk to the author and his family still fell the Refugee Convention, the Convention against Torture, or the Covenant. It found the author entirely credible. It noted that the carrying capacity of the land on the Tarawa atoll had been negatively impacted by the effects of population growth, urbanization, and limited infrastructure development, particularly in relation to sanitation. These impacts had been exacerbated by both sudden-onset environmental events, such as storms, and slow-onset processes, such as sea level rise. The Tribunal noted that the author had been unemployed for several years before arriving in New Zealand, and had relied on subsistence agriculture and fishing, while receiving financial support from his wife’s brother. The Tribunal noted the author’s statement that he did not wish to return to the Republic of Kiribati because of the difficulties he and his family faced there, due to the combined pressures of overpopulation and sea level rise. The house they were living in on South Tarawa was no longer available to them on a long-term basis. Although the couple’s families had land on other islands, they would face similar environmental pressures there, and the land available was of limited size and was occupied by other family members.
2.8 After a lengthy analysis of international human rights standards, the Tribunal considered that “while in many cases the effects of environmental change and natural disasters will not bring affected persons within the scope of the Refugee Convention, no hard and fast rules or presumptions of non-applicability exist. Care must be taken to examine the particular features of the case.” After further examination, the Tribunal concluded that the author did not objectively face a real risk of being persecuted if returned to Kiribati. He had not been subjected to any land dispute in the past and there was no evidence that he faced a real chance of suffering serious physical harm from violence linked to housing/land/property disputes in the future. He would be able to find land to provide accommodation for himself and his family.1 Moreover, there was no evidence to support his contention that he was unable to grow food or obtain potable water. There was no evidence that he had no access to potable water, or that the environmental conditions that he faced or would face on return were so perilous that his life would be jeopardized. For these reasons, he was not a “refugee” as defined by the Refugee Convention.
2.9 Regarding the Covenant, the Tribunal noted that the right to life must be interpreted broadly, in keeping with the Committee’s general comment No. 6 (1982) on article 6. The Tribunal cited academic commentary stating that under article 6, an arbitrary deprivation of life involves an interference that is: (a) not prescribed by law; (b) not proportional to the ends sought; and (c) not necessary in the particular circumstances of the case.2 On this basis, the Tribunal accepted that the right to life involves a positive obligation of the state to fulfil this right by taking programmatic steps to provide for the basic necessities for life. However, the author could not point to any act or omission by the Government of Kiribati that might indicate a risk that he would be arbitrarily deprived of his life within the scope of article 6 of the Covenant. The Tribunal considered that the Government of Kiribati was active on the international stage concerning the threats of climate change, as demonstrated by the 2007 Programme of Action. Moreover, the author could not establish that there was a sufficient degree of risk to his life, or that of his family, at the relevant time. Quoting the Committee’s jurisprudence in Aalbersberg et al. v. the Netherlands (CCPR/C/87/D/1440/2005), the Tribunal stated that under the Optional Protocol, the risk of a violation of the Covenant must be “imminent.” This means that the risk to life must be, at least, likely to occur. No evidence was provided to establish such imminence. The Tribunal accepted that, given the greater predictability of the climate system, the risk to the author and his family from sea level rise and other natural disasters could, in a broad sense, be regarded as more imminent than the risk posed to the life of the complainants in Aalbersberg et al v. the Netherlands. However, the risk to the author and his family still fell well short of the threshold required to establish substantial grounds for believing that they would be in danger of arbitrary deprivation of life within the scope of article 6 of the Covenant. This risk remained firmly in the realm of conjecture or surmise. There was no evidence establishing that his situation in the Republic of Kiribati would be so precarious that his or his family’s life would be in danger. The Tribunal noted the testimony of the author’s wife that she feared her young children could drown in a tidal event or storm surge. However, no evidence had been provided to establish that deaths from such events were occurring with such regularity as to raise the prospect of death occurring to the author or his family members to a level rising beyond conjecture and surmise, let alone a risk that could be characterized as an arbitrary deprivation of life. Accordingly, there were not substantial grounds for believing that the author or any of his family members would be in danger of a violation of their rights under article 6 of the Covenant. The Tribunal also found that there was not a substantial risk that the author’s rights under article 7 of the Covenant would be violated by his removal.
2.10 The author also provided a copy of the decision of the Supreme Court, which denied the author’s appeal of the decision of the Tribunal on 20 July 2015. The Court considered, inter alia, that while the Republic of Kiribati undoubtedly faced challenges, the author would not, if returned there, face serious harm. Moreover, there was no evidence that the Government of the Republic of Kiribati was failing to take steps to protect its citizens from the effects of environmental degradation to the extent that it could. The Supreme Court was also not persuaded that there was any risk that a substantial miscarriage of justice had occurred. Nevertheless, the Court did not rule out the possibility that environmental degradation resulting from climate change or other natural disasters could “create a pathway into the Refugee Convention or other protected person jurisdiction.”

The complaint
3. The author claims that by removing him to Kiribati, New Zealand violated his right to life under the Covenant. Sea level rise in Kiribati has resulted in: (a) the scarcity of habitable space, which has in turn caused violent land disputes that endanger the author’s life; and (b) environmental degradation, including saltwater contamination of the freshwater supply.

RULING
9.5 The Committee also observes that it, in addition to regional human rights tribunals, have established that environmental degradation can compromise effective enjoyment of the right to life,1 and that severe environmental degradation can adversely affect an individual’s well-being and lead to a violation of the right to life.2

bookmark_borderNetherlands Double Whammy

Molly Quell reports: Blowing in the Wind: Why the Netherlands Is Sinking

Over the centuries, windmills built to drain peatland for agriculture have been causing the ground to steadily sink.

This subsidence means that in a low-lying nation famous for engineering its way around rising seas, the ground is also sinking lower, creating huge problems for the structures built on top. At a certain point, building foundations begin to crack, sinkholes appear, roads destabilize, and the risk of flooding increases. More construction results in more pressing down of the peat — and more subsidence.

A 2016 report from the PBL Netherlands Environmental Assessment Agency, a research group that advises the government, estimated that the total damage to the country’s buildings and infrastructure from subsidence, as well as the cost to restore weak foundations, could top $22 billion, or 20 billion euros, by 2050.

What’s worse, the sinking may actually be contributing to climate change: A drop in the peat soil of just one centimeter results in the emission of about 9 tons of carbon dioxide per acre, says Gert Jan van den Born, a policy researcher at PBL. That accounts for a large part of overall CO2 emissions in the agricultural sector.

bookmark_borderSea Level Rise and Real Estate in Florida

The Tampa Bay Times reports: Your Florida coastal home could lose 15% of its value by 2030 due to sea rise

 

Increasing sea rise is going to water down the value of some of the most coveted and expensive real estate in Florida, and insurance rates will go up too.

That’s the conclusion of a pair of new reports calculating just how much of an impact climate change will have on Florida’s real estate industry.

A report from international consulting giant McKinsey released Thursday found that Florida homes subject to the risk of flooding could lose 5 to 15 percent of their value in the next decade, barring any significant changes to the market in that time. By 2050, that could leap to 15 to 35 percent.

In another Miami-Dade-focused report from Jupiter Intelligence, researchers found that moderate flooding of about a foot will affect nearly double the number of homes by 2050.

More About Flood Insurance

The Human Induced Climate Change Experiment

bookmark_borderBark Beetles Killing Sequoias

The Guardian Reports: Beetles and fire kill dozens of ‘indestructible’ giant sequoia trees

Deadly interaction between insects, drought and fire damage have forced California’s park officials to trigger climate crisis plans intended for the 2050s

‘This is not how sequoias die. It’s supposed to stand for another 500 years’

Giant sequoia trees, the largest living organisms on the planet – some more than three millennia old – have started dying from beetle attacks linked to the climate emergency, the preliminary findings of a new study have revealed.

The deaths of the trees, some of which lived through the rise and fall of hundreds of empires, caliphates and kingdoms – not to mention the inauguration of every US president – have shocked researchers in their speed and novelty.

In Sequoia and Kings Canyon national parks in the Sierra Nevada, California, 28 giant sequoias have died from a seemingly deadly interaction between bark beetles, drought and fire damage since 2014, according to a joint National Park Service and US Geological Survey study that will be published later this year.

bookmark_borderHow do Websites Know what Device I’m Logged in with?

I asked: how do Amazon and some of these banks know what device I’m logged in with? Is it strictly cookies? or MAC address, too? or…?

Sidd replied: heehee, are you running an app or your web browser ? windows or phone ?

There are a million ways, there is a GUID associated with your CPU, there is a list of fonts installed, browser release version, OS version, the list goes on. You got to jump thru a million hoops to avoid leakage, and if you do it well enuf they might not let you log in.