Risk Assessment, Climate Change and Insurance Rates

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Travelers and Fireman's Fund are among the insurance companies joining the fight against global warming. The result could be a difference in what you pay for premiums, what you drive and where you live. Can the world's biggest industry help reduce greenhouse gases, or is global warming just a good excuse to raise premiums while reducing risk? Also, North Korea calls UN sanctions a "declaration of war," and the FDA's about to approve milk and meat from cloned animals--but they may already be out of the barn.