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Climate changes increases insurance premiums
(www.cbc.ca)
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No, we're just going to pay out the nose for commodities that used to be inexpensive along side services like insurance. I love paying double for olive oil, cocoa/chocolate, and coffee because of climate driven shortages.
But hey, that's inflation right, and Trudeau/Biden and liberals worldwide are responsible for that somehow, better elect right wing climate deniers to fix the problem.