he said that the U.S. was ten years away from a definitive answer on the causes of climate change

I'd next note that--the 95-to-nothing vote by the Senate saying, 'This isn't right for the U.S.,' and then go forward from there.

What's going to be their contribution to your overall efforts at measuring climate change?

You know, the United States has a PR problem abroad, with other countries, because they don't think we're serious about doing something about climate change.

there is real evidence of global change, and that it is seen to be likely that there are significant human effects

global warming will have as much effect on my State as any with the vast coastline

I would defer to you, Mr. Chairman.

We cannot let that happen.

Well, that is a consideration--we cannot do no solution. I do not think we can do that. So let us find the delicate balance.

Mr. Chairman, I believe so. That question never came up because it was never a question of whether it was not to be covered.

Neither can we allow the insurance industry to use the September attacks as an excuse to shirk its rightful role and responsibilities.

The good news is that the insurance industry is clearly capable of taking care of the losses that occurred on September 11.

We cannot ask the taxpayer to pick up the entire bill.

Neither can we allow the insurance industry to use the September attacks as an excuse to shirk its rightful role and responsibilities.

That is correct.

What we ought to approach this challenge with is the question, how are we going to protect America's insurance consumers.

Were I still the insurance commissioner, I would try, Mr. Chairman, but I am not sure I would be successful.

Yes, sir. It is called the Wind Risk.