Digital Diatribes

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Archive for the ‘Environmentalism’ Category

The Embarrassment That is the Allianz Climate Change Report

Posted by The Diatribe Guy on May 30, 2012

I am an actuary in the insurance industry, and so receive information of all sorts that are supposed to enlighten me and assist me in my job.   Whether it is a better model to use in forecasting future experience based on current trends for the purpose of pricing products, or accurate assessment of ultimate losses on current inforce products, it is imperative that I understand new advancements in predictive modeling, underlying trends, and results of different studies to most benefit my company and the customers we serve.

In this capacity, I recently came across a 97 page effort by Allianz, in partnership with – get this – the WWF (World Wide Fund for Nature), entitled “Major Tipping Points in the Earth’s Climate System and Consequences of the Insurance Sector.”   As someone who wants to base pricing considerations on observed experience and modeled trends, I was curious about this paper, and how it is implied that this is to be used by the insurance industry.   The report isn’t a new one, but it was  the first I had run across it.

The very first line of the paper reads:  “Climate change resulting from emissions of CO2 and other greenhouse gases (GHGs) is widely regarded to be the greatest environmental challenge facing the world today.”




Page one teaches us some interesting details.   I learned that there is no global agreement or scientific consensus for delineating ‘dangerous’ from ‘acceptable’ climate change, but 2 degrees Celsius seems like a good number.   The origin of that 2 degree number is not clear, but seems to be promoted based on the UNFCCC Assessment Report (AR4).


We then learn about tipping points.   The theory here is that, while temperature may increase gradually, there are points where a small change can make a big difference in the system.  The cited reference here is M. Gladwell, “The Tipping Point: How Little Things Can Make a Big Difference.”    It is unclear to me if this is a how-to book on marriage, or something spelling out the global catastrophes to come, but apparently it’s good enough for the reinsurance industry.


Well, anyway, this is just the Executive Summary, which includes examples of Tipping Points.   It appears we are talking about disasters such as effects of rise in sea levels, a shift in monsoon seasons, Amazon drought, and an overly arid Southwest U.S.   No mention of comets or alien attack, so I guess we’re sticking to “things we can control.”


There is then a touching “Take Home Message” to conclude the Executive Summary.   We learn that past emissions have already committed us to at least 0.6 degrees of further warming.   Because we’re lazy and lackluster in our efforts to combat it, the 2-3 degrees scenario is almost certain to happen.




I must say, as I read the actual body of the document, I was pretty disappointed with my reinsurance brothers and sisters.    We start with simply references to other works, clearly fed to them by WWF and other environmentalist groups.    UN studies, IPCC papers, etc. tell us there will not be a smooth transition into warmer temperatures.  This leads into the definitions and characteristics of tipping points, which – let’s be honest – insurance people will not know whether the studies they are reading are right or wrong.   They’re insurance people.  But in any case, it doesn’t appear that there was a serious attempt to reach out to alternative opinons on the matter.   Nobody called me, which can be expected.   More importantly, I don’t think Dr. Roy Spencer got a call either.   I don’t even think Jeff from the Air Vent was consulted.   A travesty.


Section 2 focuses on identifying tipping elements based on IPCC AR4.  

On a serious note, from a reinsurance standpoint, the things they are looking at need to be considered for the purpose of understanding exposure to risk.   What kind of storm activity tends to occur with changes in the ENSO amplitude?   What is the exposure in the event of differences in monsoon activity around the globe?   What are the insurance impacts to glaciers melting? What are the impacts of this event or that event?   All legitimate questions to make sure the company can sustain viability should certain things occur that impact loss payouts.   The issue I have here is putting such study in a document that doesn’t just use global warming theory as a “what if” scenario, but presents it as a given.


We then get into all sorts of scenarios around different tipping points.   It’s all the same stuff: Greenland, Arctic Ice, sea level rises, the Antarctic, carbon stores in permafrost (amplified global warming, you know), and so on.   Then, we get into tipping points that can tip other points, or something like that.


Section 3 highlights the greatest risks to our dismal future.  


So, what am I most disappointed in?   My disappointment is mainly that this is a piece of propaganda disguised as an insurance study.   If it is an insurance study, it’s a horrible one, and I’d fire anyone who resented it to me as a definitive assessment.   I see no industry experience and actual trends presented.   It is a “study” in the sense that it covers a lot of “what if” scenarios, which is an entirely legitimate exercise, but it provides them as a near certainty as opposed to a random probabilistic event.   Oh, sure, there are a lot of graphs and charts that lead one to believe that this is a rigorous study, but it is not.    It is a study that has, at its basis, a complete trust in the views and conclusions of a few UN-sponsored reports and other data that is derived in its entirety from the pro-AGW side.   It reeks of being a UN lapdog in anticipation of taking advantage of climate change scenarios and scare tactics for a lining of the pockets and future power grab.  


The study into the “what-ifs” seems pretty sound.    This part is fine, which is what I would expect from experts in the reinsurance industry, because this is what they do: they assess exposures, risks, and loss impacts GIVEN A SCENARIO IN WHICH TO ESTIMATE THAT IMPACT.     This paper, however, assumes the scenario to be reality.


So, what is my analysis on why Allianz would release an otherwise legitimate exposure analysis in the form of a drivel-packed, politically correct, report?


M.   O.   N.   E.   Y.


Suppose that Allianz convinces regulators and customers alike of the need for a “loss provision due to global warming impacts” in their policies.   Imagine tax advantages for surplus funds set aside for these events.   Now, imagine that every future weather event can be attributed to global warming…   wait…   I mean, Climate Change, so that a demonstrable drawdown on “global warming reserves” reinforces the idea of human-cause impacts on the weather and storms.   The propaganda becomes self-perpetuating, and ever more profitable.   At some point, it is likely that all weather risk can be transferred at a guaranteed margin to a global fund to cover all climate-change related events.  More conspiratorial, imagine a world of crony capitalism where those who were on the “right side” benefit disproportionately as the UN wields more power and is able to give preferential treatment to its friends with the “right” message.


This is simply Allianz seeing the future and hoping to profit from it.   And to help it along, what better than to actually promote the entire idea yourself?   All-in, so to speak.


Yeah, color me skeptical.   


I’ve got news for everyone who wants to give reinsurers the benefit of the doubt.   I’ve been in this business long enough to realize that despite all their fancy modeling and theories, they are the least rational reactionaries to risk there is.   Supposedly, this price is based on long-term history until something happens, at which time your rates quadruple.    Then, as competitors enter the market, they end up underpricing products.    So, whatever sophistication they start with, it goes out the window in a real hurry.


But I’m sure this is different.   And I’m sure they mean well.


For more fun with Allianz and climate change tipping points, check this out:


Posted in Actuarial Topics, Allianz, Business, Climate Change, Environmentalism, Global Warming, Indoctrination, Information, Peer Review, Politics, United Nations | Tagged: , , , , , , , , , , | 3 Comments »

Misleading Graphs?

Posted by The Diatribe Guy on September 1, 2009

As anyone with a blog knows, WordPress (and I’m sure the other blog sites) do a nice job of showing you how people got to your site. Under the “blog stats” area, if activity is generated from a link to your page, it gives you a trackback to the link. This allows the interested blogger to check back and see who posted the link, and in what context.

I’m sure a guy like Anthony Watts has enough of these links pointing to his site that he doesn’t have time to check them out. But since my traffic is a small fraction of his, I often take a few minutes to check out and see what someone found interesting enough to provide a link for. It’s always kind of fun when I see it’s to something like “”.

Occasionally, there will be comments that I’d kind of like to respond to, but not enough that I want to sign up for the site or anything, so I just let it flow out into the ether.

Well, yesterday there was, in fact, a link to an environmental discussion forum. Predictably, some guy was spouting off about “deniers” and how they are being dishonest because it’s now proven beyond any reasonable doubt that there is anthroprogenic global warming. Read the rest of this entry »

Posted in Blogging, Climate Change, Environmentalism, Global Warming, Opinion | 2 Comments »

The Green Log

Posted by The Diatribe Guy on April 21, 2009

I noted on a comment at The Air Vent that I have started trying to make a mental note on references to all things “Green” lately.  Obviously, due to the nature of this blog, I have been well aware of policy initiatives, scientific debates, and so on regarding the global warming/climate change/phrase du jor issue.

Even I was surprised, once I really paid attention, just how pervasive this has become.   Now, don’t get me wrong – I am completely on board with reasonable and cost-effective efforts to reduce pollution, clean up our planet where we were irresponsible, and save energy.   My reasons for this, though, are not sue to a fear of catastrophic global warming.  Some of it is due to my own theological and philosophical position that we are to be good stewards of creation as an obligation to our Creator.  Part of it simply has to do with an appreciation for the beauty of earth, and a willingness to sacrifice some amount of continued expansion of brick, metal, and pavement to preserve that beauty.   A lot of it has to do with safety and health.  Preserving energy has to do with both saving money and hopefully prolonging current resources while we search for alternatives.  

But in all these things, there is a balance.  Being a good steward of earth is a good decision precisely for the followign reasons in the above list.  And if you’ll notice those reasons, the beneficiary of those three things are human beings.   That would be people.   Yes, non-human animals, too.   But primarily people.   I know, I know.   Such an old-fashioned attitude that people matter first is something from the dark ages.  Well, call me Sir Joe, then. 

The earth is a thing.  The entire purpose of it is to house life.  The most important life is the human being.  That in no way dismisses other life, because without other life we not only couldn’t survive, but our own lives would be much less fulfilling.

And so I get back to my observation.  More and more, I see the Celebrate Earth movement move into pantheism.  It’s Gaia-worship by a different name.  And it is pervasive.  It’s all about “Saving the Earth,” and it’s not abouot people.   I say that confidently, because of the irrational arguments that reducing population will save the earth.  This implies that people are the problem, not the target worth saving.  If not people, then what is worth saving?  The earth, of course.

Global Warming alarmism is just the first step in bringing about a form of modern day Earth-Worship.  The alarmism effectively targets the human psyche with fear of the consequences from a human perspective.  Hurricanes, floods, droughts…  yeah, they all really suck.  When it becomes evident that this won’t happen immediately, then we move on to our children.  We want the good old days of cold and snowy winters for our kids.  Because we love them.

Pretty soon, we move away from using “Global Warming” because we’ve now successfully got people scared enough about something, that we can just tweak things a bit and fairly easily keep the insanity alive.   “Climate Change” is a good catch-all to cover all potential future events.   High-five to the Environmental fear-mongering PR Department.   Elect politicians, get a few scientists on board, get the media on board, and come up with a few seemingly benign phrases like “Green” and pretty soon we’ve shifted the entire psychology of the movement.   Hammer away, hammer away, and hammer away.   It’s good to be green.   Why?  Most people probably don’t even know anymore.   They’re not really scared of anything at this point, but everyone is saying there’s a problem, so there must be.  And since there are people who tell us they can solve the issue with some taxes and credits and firing the President of GM, then that means I don’t have to worry anymore.   As long as I buy compact fluorescents, drive a Hybrid, and celebrate Earth Day, everything will be OK.

And so after a few years of this, we will more and more put this movemebt into the context of Celebrating the Earth.  I’m trying to figure out exactly what this means.  What am I celebrating?  Is it Earth’s birthday? Am I celebrating as if she knows I’m celebrating?  In my mind, do I start thinking of Earth as something more than a thing?

And the answer to that is “yes.”   Oh, very few “environmentalists” would say that they worship the earth.  But, in fact, there is a continual movement into the realm of Earth as goddess, it’s just not well-defined, and most people really don’t connect the dots.  And most are not really worshipping her – at least not yet.  I may be off-the-wall, but I predict that over the next 20-30 years, we will see a more and more explicit, unapologetic and vocal movement into the religion of some form of Pantheism.  Right now it’s very indirect and discreet. 

OK, this actually isn’t at all what I intended this post to be when I started.  I just get going and sometimes I don’t know where I’ll end up.  Thank goodness I don’t have to worry about being fired by the Editor.

Back to my log:  I may or may not add to this, but here are my recent observations:

1) April 20 – drove by the local YMCA.  They are having a Celebrate Earth Day something or another.  I think to myself, does the Earth exercise?

2) April 20 – I catch the headline in our local paper (I don’t subscribe, saw it in the stands).   I won’t remember the headline exactly, but it highlighted how “Green camping” is catching on.  

3) April 21 – Just received an e-mail at work:

Help Celebrate Earth Day 2009!

Did you know that the first Earth Day was celebrated in 1970, the year that the Environmental Protection Agency was formed?  Since that time, many programs and laws have been implemented to improve the environment and our health. From the passage of the Safe Drinking Water Act in 1974 to the ban on dumping of sewage sludge and industrial waste in the oceans in 1988, these are only a few of the programs that make the earth a cleaner and safer place to live.  Most recently, the Energy Star program (started in 1992) resulted in the prevention of greenhouse gasses equivalent to those from 27 million vehicles! 


For a full history on Earth Day and many improvements to our world since 1970, log onto


What can we do to contribute our part on Earth Day 2009? 

  • Consider carpooling to work (carpool list posted at: XXXX)
  • Shut your computer down at the end of the day
  • Reduce, Reuse and Recycle!


For more ideas on how to be Green at home, at work and in the community visit:

Then there’s an e-mail address given for the company’s  “Green Team,”  which we all know is necessary.  One of the huge initiatives this team has managed to implement is kitchen-ware made from potatoes rather than plastic.  Because it’s better to use a bunch of food to make utensils to eat other food with, than to wash siverware…

Total aside:  It’s still snowing and 35 degrees.   Happy Spring!


April 21: As I was paying for my lunch, I glanced up at the tv screen.   I was supposed to visit, or something like that.  I haven’t bothered to find the correct web address, as I won’t be going there.

Posted in Climate Change, Earth, Earth Day, Earth Worship, Environmentalism, Global Warming, Opinion | Tagged: , , , | 2 Comments »

Taking a Break to Evaluate a Really Stupid Idea

Posted by The Diatribe Guy on December 5, 2008

Some people wonder why people like you and me actually care whether or not the Anthropogenic nature of Global Warming is real. Or, for that matter, whether it’s even a bad thing. After all, they argue, even if it isn’t real isn’t it a good thing that people are more aware of pollution and alternative energy and all those things, so that we are better stewards of the environment?

The answer isn’t a simple “yes” or “no.” It would be simple if you eliminated the first part of the equation and simply said that we should be good stewards of the environment. I couldn’t agree more. And I am all for research into ways to make existing fuels burn cleaner and to make alternative energy forms useful and efficient.

But the reality is that whenever you base decision-making on bad information or bad assumptions, you end up harming more than helping. Even if the goal is generally a good thing (cleaner, safer environment), it just isn’t that simple.

There is no better example of this than the agenda of AGW proponents in the sphere of politics. We all likely agree with the statement, “We should reduce pollution as much as possible, within our means to do so.” The question that needs to be clarified, though, is “What is pollution?”

The day we started accepting Carbon Dioxide as a pollutant was the day all common sense went to hell in a handbasket. The mind-boggling dollars that are being discussed as a part of the solution to reduce Carbon Dioxide emissions is so numbing that most of us don’t even flinch any more with numbers in the hundreds of billions. We don’t even bother to consider the tax implications, on a global scale let alone a regional scale, of what these numbers mean. And that doesn’t even take into account lost efficiencies.

Jeff on “The Air Vent” (link to the right) has a number of posts on the impact of continuing to promote biofuels as a solution. Even if one could argue that the day will come when alternative fuels like these can be used more cleanly and efficiently, trying to do that now is not only premature, but counterproductive to efficiency, cost, opportunity cost, and the actual benefit in the end to a cleaner environment. At best, you can say that the current state of biofuels is a stepping stone in research to something better in the future, but as it stands now it is an outright lie to believe we are doing anything but hurting ourselves by this ignorant and obstinate push for biofuels. Check Jeff’s work.

So, today I open up a link on Drudge to find the following story:
Proposed Fee on Smelly Cows, Hogs Angers Farmers.

Your meat will now cost 20% more, suckers.

Your meat will now cost 20% more, suckers.

Here is an excerpt:

MONTGOMERY, Ala. – For farmers, this stinks: Belching and gaseous cows and hogs could start costing them money if a federal proposal to charge fees for air-polluting animals becomes law.

Farmers so far are turning their noses up at the notion, which is one of several put forward by the Environmental Protection Agency after the U.S. Supreme Court ruled in 2007 that greenhouse gases emitted by belching and flatulence amounts to air pollution.

“This is one of the most ridiculous things the federal government has tried to do,” said Alabama Agriculture Commissioner Ron Sparks, an outspoken opponent of the proposal.

It would require farms or ranches with more than 25 dairy cows, 50 beef cattle or 200 hogs to pay an annual fee of about $175 for each dairy cow, $87.50 per head of beef cattle and $20 for each hog.

The executive vice president of the Wyoming Farm Bureau Federation, Ken Hamilton, estimated the fee would cost owners of a modest-sized cattle ranch $30,000 to $40,000 a year. He said he has talked to a number of livestock owners about the proposals, and “all have said if the fees were carried out, it would bankrupt them.”

Sparks said Wednesday he’s worried the fee could be extended to chickens and other farm animals and cause more meat to be imported.

“We’ll let other countries put food on our tables like they are putting gas in our cars. Other countries don’t have the health standards we have,” Sparks said.

EPA spokesman Nick Butterfield said the fee was proposed for farms with livestock operations that emit more than 100 tons of carbon emissions in a year and fall under federal Clean Air Act provisions.

There is simply no way to overstate how ridiculously stupid such a proposal would be. I grew up on a dairy farm. We milked 60-70 cows at any given time, and had a number of heifers that we were raising both to replace the older cows or to send to market (or butcher for ourselves.) Now, I can guarantee you that 60-70 cows is a small, family operation. My dad was great with his money and so he did well, but he certainly didn’t rake in huge dollars. This was in no way some large-scale operation.

This proposal would have cost my dad another $12,000 per year. That means that one of two things would have to happen: food costs go up in order to cover the additional cost to the farmer, or the farmer goes out of business. There is no way he could have absorbed another 12 grand.

The rest of the article burned me up, too:

The fee would cover the cost of a permit for the livestock operations. While farmers say it would drive them out of business, an organization supporting the proposal hopes it forces the farms and ranches to switch to healthier crops.

“It makes perfect sense if you are looking for ways to cut down on meat consumption and recoup environmental losses,” said Bruce Friedrich, a spokesman in Washington for People for the Ethical Treatment of Animals.

“We certainly support making factory farms pay their fair share,” he said.

PETA… need I say more? Yeah, let’s just fail to recognize that people who have invested in all the equipment and infrastructure to operate a Dairy farm can just switch to crop-raising. No big deal, right? After all, they should pay their “fair share.”


At least there was a heartening end to the article:

U.S. Rep. Robert Aderholt, a Republican from Haleyville in northwest Alabama, said he has spoken with EPA officials and doesn’t believe the cow tax is a serious proposal that will ever be adopted by the agency.

I am happy to see that. But a quick note to Representative Aderholt: Assume nothing! Many of the stupid things we do today were considered to be so ridiculous a few years ago that it couldn’t possibly be a serious proposal. These things start off as trial balloons until the ballon actually starts to float. It may not be now, but these inane proposals will continue and more will be passed.

Posted in Animals, Carbon Taxes, Climate Change, Current Events, Environmentalism, Global Warming, Greenhouse Gases, News, Opinion, Politics | Tagged: , , , , , | 3 Comments »

Obama’s Speech in Germany Was Ridiculous (and other stuff)

Posted by The Diatribe Guy on July 29, 2008

Eeek!  Barack, only say the word and I shall be healed!

Eeek! Barack, only say the word and I shall be healed!

OK, that’s a pretty general statement, but it was. Excerpts from Planet Gore:

“As we speak,” said Obama, “cars in Boston and factories in Beijing are melting the ice caps in the Arctic, shrinking coastlines in the Atlantic, and bringing drought to farms from Kansas to Kenya.”

He followed that up by suggesting that the world “reduce the carbon we send into our atmosphere” with “the same seriousness of purpose as has your nation,” apparently unaware that CO2 emissions in Europe, to which he was appealing, grew 2.1% from 2000 to 2004, while U.S. emissions increased just 1.3% over the same time.

“This is the moment when we must come together to save this planet,” Obama declared. “Let us resolve that we will not leave our children a world where the oceans rise and famine spreads and terrible storms devastate our lands.”


Gore gives me hope.  Oh, and you too, Obama...

Gore gives me hope. Oh, and you too, Obama...

To make matters worse, comes this gem from Senator Patrick Leahy:

‘In an Obama administration, you’d see one of his closest advisers would be Al Gore. And that gives me a lot of hope.


Anecdote ALERT!

I wouldn’t want anyone accusing me of using anecdotes as evidence without being up-front about it. But on the heels of the reports a couple days ago about the coldest summer ever in Anchorage comes something from the other side of the globe: Adelaide was freakin’ cold.

Adelaide’s temperature plummeted to 0.8C about 6.25am, this mark the lowest since the winter of 1983.

I picked this picture because Murtha looks happier than he usually does on this one.

I picked this picture because Murtha looks happier than he usually does on this one.

In a related story, we find out that Nancy Pelosi is trying to save our planet. At least, that’s the excuse for stalling a proposal to lift the moratorium on drilling.

With fewer than 20 legislative days before the new fiscal year begins Oct. 1, the entire appropriations process has largely ground to a halt because of the ham-handed fighting that followed Republican attempts to lift the moratorium on offshore oil and gas exploration. And after promising fairness and open debate, Pelosi has resorted to hard-nosed parliamentary devices that effectively bar any chance for Republicans to offer policy alternatives.

“I’m trying to save the planet; I’m trying to save the planet,” she says impatiently when questioned. “I will not have this debate trivialized by their excuse for their failed policy.”

“I respect the office that I hold,” she says. “And when you win the election, you win the majority, and what is the power of the speaker? To set the agenda, the power of recognition, and I am not giving the gavel away to anyone.”

Huh. Sounds more like someone who just doesn’t want to lose a grip on her little empire. No drilling, no coal, no nuclear, years away from efficient alternatives that are not sufficiently funded. Am I the only one who sees the problem with this picture?

Posted in Climate Change, Congress, Current Events, Earth, Environmentalism, Global Warming, News, Obama, Politics, Weather | 4 Comments »

Bombs that are good for us

Posted by The Diatribe Guy on May 28, 2008

Under the category of “there’s no real good reason for me to write about this other than I thought it was ironic” comes this story about new bomb technology.

The irony is that we’re talking about items that are specifically built to blow things and people to kingdom come, but we’re attempting to do so in an environmentally friendly way. From the article:

TNT, RDX and other explosives commonly used in military and industrial applications often generate toxic gases upon detonation that pollute the environment… To make safer, more environmentally friendly explosives, scientists in Germany turned to a recently explored class of materials called tetrazoles… In initial experiments, G2ZT and HBT produced fewer toxic byproducts than common explosives. Still, they did generate some dangerous hydrogen cyanide gas. But mixing these compounds with oxidizers not only avoids making hydrogen cyanide, but also improved performance, Klapötke said.

These compounds have great potential, “especially for large caliber naval and tank guns,” Klapötke added.

Read the rest of this entry »

Posted in Environmentalism, Military, News, Technology | Leave a Comment »