Advantages of finite‐structured environmental insurance policies

Over the last five years, insurance products have been expanded to assist companies better manage environmental liabilities. The most progressive of these products is a finite‐structured program whereby the convergence of insurance and financial markets expand the meaning of “alternative risk transfer.” Finite programs blend financial markets and banking concepts with risk transfer concepts to more effectively and efficiently allow the insured to manage the financial implications of its environmental liabilities. This article presents the advantages of using finite‐structured environmental insurance policies and discusses how potential insureds can protect against several types of remediation project risks, including cleanup costs, inflation uncertainty, and variability in investment returns. © 2001 John Wiley & Sons, Inc.     

Altered c-Fos expression demonstrates neuronal stress in mummichog, <Emphasis Type="Italic">Fundulus heteroclitus</Emphasis>, exposed to <Emphasis Type="Italic">Pfiesteria shumwayae</Emphasis> and <Emphasis Type="Italic">Chaetoceros concavicornis</Emphasis>

To better understand sublethal effects of harmful algal blooms (HABs) on fish, mummichog, Fundulus heteroclitus (L.), were exposed in the laboratory to varying, environmentally relevant densities of Pfiesteria shumwayae (Glasgow et Burkholder, CCMP 2089, dinoflagellate) and Chaetoceros concavicornis (Mangin, CCMP 169, diatom). Two experiments were conducted during the spring of 2003 and 2004 to quantitatively examine the effects of acute (2 h) P. shumwayae and C. concavicornis algal exposure on mummichog brain activity using c-Fos expression as a marker of altered neuronal activity. Brains from HAB-exposed fish were removed, sectioned, and stained using immunocytochemistry prior to quantifying neuronal c-Fos expression. Fish exposed to P. shumwayae and C. concavicornis showed increased c-Fos expression compared to unexposed control fish. A significant dose-response relationship was observed, with increased labeling in brains of fish exposed to higher cell densities for both HAB species tested (P ≤ 0.01). Increased labeling was found in the telencephalon, optic lobes, midbrain, and portions of the medulla. The greatest increases in expression were observed in the telencephalon of P. shumwayae-exposed fish, and in the telencephalon and optic lobes of C. concavicornis-exposed fish (P ≤ 0.01). These increases in c-Fos expression are consistent with other physical and chemical stress exposures observed in fish. Neuronal stress, evidenced by c-Fos expression, demonstrates a sublethal effect of exposure and changes in brain activity in fish exposed to HAB species.     

Implementation of the EU environmental noise directive: Lessons from the first phase of strategic noise mapping and action planning in Ireland

The first phase of noise mapping and action planning in Ireland, in accordance with EU Directive 2002/49/EC, is now complete. In total this included one agglomeration, one airport and approximately 600 km of major roads outside the agglomeration. These noise maps describe the level of noise exposure of approximately 1.25 million people. The first phase of noise mapping was dealt with by five noise mapping bodies while 26 action planning authorities were involved in the development of the associated action plans. The second phase of noise mapping, due to be completed in 2012, sees a reduction in the defined thresholds describing the required agglomerations, roads and railways that have to be mapped. This will have a significant impact on the extent of mapping required. In Ireland this will result in an increased number of local authorities being required to develop strategic noise maps for their area along with the further development of associated action plans. It is appropriate at this point to review the work process and results from the first phase of noise mapping in Ireland in order to establish areas that could be improved, throughout the noise mapping project. In this paper a review of the implementation procedures focussing on (dominant) road traffic noise is presented. It is identified that more standardisation is needed and this could be achieved by the establishment of a national expert steering group.     

A Web‐Based Decision Support System for Assessing Regional Water‐Quality Conditions and Management Actions1

Booth, Nathaniel L., Eric J. Everman, I‐Lin Kuo, Lori Sprague, and Lorraine Murphy, 2011. A Web‐Based Decision Support System for Assessing Regional Water‐Quality Conditions and Management Actions. Journal of the American Water Resources Association (JAWRA) 47(5):1136‐1150. DOI: 10.1111/j.1752‐1688.2011.00573.x Abstract: The U.S. Geological Survey National Water Quality Assessment Program has completed a number of water‐quality prediction models for nitrogen and phosphorus for the conterminous United States as well as for regional areas of the nation. In addition to estimating water‐quality conditions at unmonitored streams, the calibrated SPAtially Referenced Regressions On Watershed attributes (SPARROW) models can be used to produce estimates of yield, flow‐weighted concentration, or load of constituents in water under various land‐use condition, change, or resource management scenarios. A web‐based decision support infrastructure has been developed to provide access to SPARROW simulation results on stream water‐quality conditions and to offer sophisticated scenario testing capabilities for research and water‐quality planning via a graphical user interface with familiar controls. The SPARROW decision support system (DSS) is delivered through a web browser over an Internet connection, making it widely accessible to the public in a format that allows users to easily display water‐quality conditions and to describe, test, and share modeled scenarios of future conditions. SPARROW models currently supported by the DSS are based on the modified digital versions of the 1:500,000‐scale River Reach File (RF1) and 1:100,000‐scale National Hydrography Dataset (medium‐resolution, NHDPlus) stream networks.     

Environmental impact propagated by cross-system subsidy: chronic stream pollution controls riparian spider populations

Resource subsidies between habitats are common and create the potential for the propagation of environmental impacts across system boundaries. However, recent understanding of the potential for subsidy-mediated cross-system impact propagations is limited and primarily based on passive flows of nutrients and detritus or short-term effects. Here, we assess the effects of sustained alterations in aquatic insect emergence (active subsidy pathway), due to chronic stream pollution, for riparian spiders. The sustained reduction in aquatic insect densities at the polluted reaches resulted in a marked decline in web spider population density and a shift in spider community composition. Our results provide the first evidence that stream pollution can control populations and community structure of terrestrial predators via sustained alterations in aquatic subsidies, emphasizing the role of subtle trophic linkages in the transmission of environmental impacts across ecosystem boundaries.     

Factors Leading to Different Viability Predictions for a Grizzly Bear Data Set

Population viability analysis programs are being used increasingly in research and management applications, but there has not been a systematic study of the congruence of different program predictions based on a single data set. We performed such an analysis using four population viability analysis computer programs: GAPPS, INMAT, RAMAS/AGE, and VORTEX. The standardized demographic rates used in all programs were generalized from hypothetical increasing and decreasing grizzly bear ( Ursus arctos horribilis ) populations. Idiosyncracies of input format for each program led to minor differences in intrinsic growth rates that translated into striking differences in estimates of extinction rates and expected population size. In contrast, the addition of demographic stochasticity, environmental stochasticity, and inbreeding costs caused only a small divergence in viability predictions. But, the addition of density dependence caused large deviations between the programs despite our best attempts to use the same density-dependent functions. Population viability programs differ in how density dependence is incorporated, and the necessary functions are difficult to parameterize accurately. Thus, we recommend that unless data clearly suggest a particular density-dependent model, predictions based on population viability analysis should include at least one scenario without density dependence. Further, we describe output metrics that may differ between programs; development of future software could benefit from standardized input and output formats across different programs.     

Risk-adequate motor underwriting of automated vehicles: a qualitative evaluation using German focus groups

The advent of automated vehicles is already taking place and will significantly disrupt the motor insurance industry. The shift from the human driver to the system as the driver cannot be reflected in the current insurance risk assessment. This call for an amendment of the insurance underwriting was discussed with German experts from both the primary insurance and reinsurance sector with their professional background on motor insurance. Based on the findings, we propose an alternative method to underwrite automated vehicles of level 4 & 5 using an enhanced telematics approach which considers new risk categories such as systems used and the transformed role of the driver as the general user of the automated vehicle.

     

Impact on blood Pb levels of maternal and early infant feeding practices of First Nation Cree in the Mushkegowuk Territory of northern Ontario,Canada

Exposure to Pb in-utero and in infancy has been associated with cognitive risk, even at low blood Pb levels of 0.48-0.96 micromol L(-1). Based on the hypothesis that wild game consumed by First Nation women of Mushkegowuk Territory contains Pb that might be transferred through blood or breast-milk to the fetus or infant, the study's objectives were to describe: (1) Pb in maternal and cord blood at birth and infant blood at 4 months, and (2) dietary influence on Pb status. Cord and maternal Pb were 0.10 +/- 0.08 and 0.11 +/- 0.06 micromol L(-1) (x +/- SD), respectively, and were significantly correlated (r = 0.77, p < 0.0001, n = 70), as was infant blood Pb (0.08 +/- 0.05 micromol L(-1)) with matched cord blood (r = 0.65, p < 0.0001, n = 30). Two cord blood samples (3%) were above 0.48 micromol L(-1). Pb in breast-milk at 0.010 +/- 0.008 micromol L(-1) (n = 25), was significantly lower than Pb in commercial formula or evaporated milk-based feedings (range 0.02-0.05 micromol L(-1), p < 0.05), and correlated with matched maternal blood Pb (r = 0.55, p < 0.005). However, in a sub-sample of infants (n = 31), blood Pb was similar for breastfed and formula-fed groups, though above the evaporated milk-fed group (p < 0.05). Maternal consumption of wild fowl, mammals and fish, estimated from the previous year, provided, respectively, 128 +/- 124, 46 +/- 68 and 8 +/- 13 MJ annum(-1). Traditional animal food intake, especially wild fowl, correlated significantly with cord blood Pb (Spearman rank correlation, p = 0.017). Although blood and milk Pb levels were largely within acceptable ranges, the presence of some elevated levels and association between blood Pb and traditional game consumption may reflect the legacy of using lead-containing ammunition.