Under the waters off the coast of Cuba, these coral colonies are getting a reproductive boost through a kind of coral IVF. Warming oceans due to climate change have disrupted the animals delicate habitat. At least one estimate says 14% of all the corals worldwide have disappeared since 2009.But coral conservationists say the damage is likely higher. To ensure the coral have a chance to procreate, scientists from the National Aquarium in Cuba do the delicate work of gathering egg and sperm samples during spa ...

Last year, Dubai was hit by catastrophic flooding that killed at least four people and caused $3 billion worth of damage. Afterwards, there were rumors that cloud seeding missions had made the disaster worse. Officials in the UAE denied seeding the storm.Now, Bloomberg has uncovered new evidence that cast doubt on the official version of events. The United Arab Emirates host some of the world's most advanced research into weather modification technology. Scientists there are exploring how to use chemicals, ...

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Environmental Concerns - The report suggests that solving the country's air pollution problem could lead to increased temperatures [1] Potential Implications - The industry should consider the potential trade-off between air quality improvement and rising temperatures [1]

Coastal Erosion and Property Damage - Five houses in Buckton, North Carolina collapsed within an hour due to stormy surf, with a sixth destroyed overnight [1] - These homes were unoccupied due to prior damage from Hurricane Aaron [1] - Since 2020, 18 houses have collapsed in the area [4] Contributing Factors - Hurricanes Ombberto and Alda are causing massive waves and exacerbating the situation [2] - The Outer Banks have been experiencing erosion due to storms and rising sea levels driven by climate change [3] - Erosion has significantly reduced the distance to the beach over the past 10-15 years [3] Mitigation Efforts and Future Outlook - Some residents have chosen to move their homes inland [4] - Communities have used sand to reinforce beaches, but these are temporary solutions [4]

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Core Insights - Homeowners are experiencing a 9.3% increase in home insurance premiums in 2025, with the average annual premium now around $1,966 [1][2] Factors Contributing to Increased Premiums - Climate change is leading to more severe weather events, increasing the risk and cost of insuring homes, prompting insurers to raise premiums to cover larger claims [2] - Premiums for new policies have surged approximately 45% since 2022, while the average Coverage A amount has only increased by less than 12%, indicating homeowners are paying significantly more for coverage that does not align with rising rebuilding costs [4] - 64% of mortgage lenders report that high premiums and challenges in finding policies are causing delays in home sales, particularly in states like Florida, Texas, and California, where traditional insurers are withdrawing from the market [5] - The Excess & Surplus market, which insures risks that standard carriers will not cover, has grown to account for about 17% of new policies in certain states, up from less than 2% two years ago [6] Additional Cost Factors - Tariffs on building materials such as steel, lumber, and copper are increasing reconstruction costs, potentially adding nearly $11,000 to the cost of building a new home, which in turn raises insurance premiums [7] - Insurers are shifting more risk to homeowners by increasing deductibles and adjusting pricing based on factors like roof age, which can lead to higher premiums for older or poorly maintained homes [7]

Core Insights - Aon's 2025 Global Risk Management Survey reveals a significant shift in global business risks, with geopolitical volatility entering the top ten for the first time, indicating heightened concerns about market instability and regulatory changes [2][3] Group 1: Survey Findings - The survey includes responses from nearly 3,000 executives and risk professionals across 63 countries, showing a notable rise in geopolitical volatility, which increased 12 places since the 2023 survey [3] - Despite the prominence of geopolitical risks, only 14% of organizations track their exposure to the top ten risks, and just 19% utilize analytics to assess their insurance program effectiveness, highlighting a gap in proactive risk management [4] Group 2: Cybersecurity and Workforce Risks - Cybersecurity remains the top concern in Aon's rankings, with the complexity of cyber risks being unprecedented; however, only 13% of organizations have quantified their cyber exposure, leading to underinsurance and financial vulnerability [5] - Workforce-related risks have declined in the rankings, falling out of the top ten, but this does not diminish their importance as they are interconnected with other risks like cyber threats and supply chain disruptions [6][7] Group 3: Future Risk Landscape - Looking ahead to 2028, cyber risk continues to lead, while artificial intelligence and climate change have emerged in the top ten for the first time, indicating rapid changes in the risk landscape [8] - The convergence of technology, geopolitics, and environmental pressures necessitates that organizations adopt flexible strategies to enhance resilience [9] Group 4: Strategic Implications - Aon emphasizes that risks are increasingly interconnected, requiring organizations to embed resilience across all functions and view risk management as a competitive advantage rather than merely a protective measure [10]

Core Insights - The 2025 Global Risk Management Survey by Aon highlights a significant rise in geopolitical volatility, which has entered the top ten global risks for the first time in the survey's history, reflecting growing instability and its implications for supply chains and financial performance [2][4] Group 1: Current Risks - Cyber Attack or Data Breach remains the top risk, with the rapid adoption of digital platforms and AI technologies expanding the attack surface for threats [5][6] - Geopolitical Volatility has surged 12 places since the last survey, indicating a shift in organizational risk perception [2][4] - Only 14% of organizations track their exposure to the top ten risks, emphasizing a need for proactive risk management strategies [3][6] Group 2: Future Risks - By 2028, Cyber Risk is expected to remain the top concern, with AI and Climate Change also emerging as critical risks [9][10] - Climate Change has climbed to number nine on the future risk list, highlighting its growing recognition as a systemic business risk [10][12] - The convergence of technology, geopolitics, and environmental pressures necessitates flexible strategies for organizations to adapt to new challenges [12] Group 3: Workforce Risks - Workforce risks have dropped out of the top ten despite ongoing talent shortages, indicating a potential blind spot for organizations [7][9] - The decline in workforce risks ranking raises concerns as these challenges are interconnected with other critical business risks [9]