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With unprecedented wildfires, stronger and less predictable storm events, increased flooding, and sea level rise, Californians rely on the insurance industry to protect them from the threats of climate change and to be a partner in proactive solutions. However, not only California residents and businesses but also the insurance industry itself faces systemic risks from climate change. Increasingly frequent and severe disasters threaten insurers' financial health and ability to offer affordable policies to all Californians when loss events occur. [ABSTRACT FROM PUBLISHER]

Several letters to the editor are presented including one related to Students' Loan Bureau disapproving a sixty years old person becoming guarantor of loan, another on things Jamaica can learn from Singapore and another on Jamaica being part of the Caribbean Community.

Focuses on the factors that lawyers in small law firms need to consider in deciding whether to raise client fees according to attorney Mark Wheeler Jr. of Wheeler and Peternell PLLC. Recommendations from the Web site of the American Bar Association on alternative billing methods for lawyers; Reasons of the Washington State Bar Association for promoting fixed or flat fees; Other changes in the billing practices in the legal service; Mistakes committed by attorneys in charging professional services.