Jeff Merkley actually said...

Things that occurred every 1,500 years have become once in a century events.

It is so palpable, the change within a few decades is so real.

If you are trying to hike the Pacific Crest Trail, there were hikers that used to come through in August, you cannot come through.

I picture middle class families who have a mortgage, and their mortgage generally says, you must maintain homeowner insurance.