This article contributes to the understanding of how to proceed with the development of index-insurance in order to reach extended population coverage with the insurance. The approach is applied to an example from a region in Tanzania. One of the main coping strategies that resource-poor households rely on to manage risks related to fluctuations in income flows is risk-sharing in informal networks. An informal network is an ideal way of managing idiosyncratic shocks, but once such shocks become covariate and affect whole communities, as is the case with most climate change impacts, informal networks become insufficient since the majority of risk-sharers will be affected by the shock at the same time. This paper proposes a collective approach to index-insurance in which the members of an informal network will be insured as one insurance taker. The paper raises a conceptual argument that targeting households through existing informal networks will remove a number of prevailing barriers to the take-up of insurance and consequently the approach has the potential to increase households’ resilience to climate change impacts. The policy implications of the conclusions are significant since the number of covariate shocks is predicted to increase with climate change. 相似文献
Research reveals that disasters are disproportionately debilitating for marginalized social groups. Numerous studies have examined racial/ethnic dimensions of disaster vulnerability, but few have focused on Hispanic immigrants. More research on Hispanic immigrants is needed, since they constitute a major component of the Hispanic population—the largest and fastest‐growing minority group in the U.S.—and because they experience distinctive cultural and immigration status disadvantages. We examine the flood/hurricane vulnerabilities of Hispanic immigrants in comparison to U.S.–born Hispanics and non‐Hispanic whites. Using mixed methods to analyze data from 429 surveys and 31 interviews with residents living in flood zones, we examine differences in self‐protective action, risk perception, and hazard knowledge between the three groups in Houston and Miami. Hispanic immigrants exhibited lower levels of self‐protection and hazard knowledge, and higher perceptions of risk, which reflects their heightened vulnerability. Risk‐reduction programs should target the particular vulnerabilities of Hispanic immigrants, and future studies should examine their vulnerabilities in other contexts. 相似文献
Despite the importance of organic-rich shales, microstructural characterization and theoretical modeling of these rocks are limited due to their highly heterogeneous microstructure, complex chemistry, and multiscale mechanical properties. One of the sources of complexity in organic-rich shales is the intricate interplay between microtextural evolution and kerogen maturity. In this study, a suite of experimental and theoretical microporomechanics methods are developed to associate the mechanical properties of organic-rich shales both to their maturity level and to the organic content at micrometer and sub-micrometer length scales. Recent results from chemomechanical characterization experiments involving grid nanoindentation and energy-dispersive X-ray spectroscopy (EDX) are used in new micromechanical models to isolate the effects of maturity levels and organic content from the inorganic solids. These models enable attribution of the role of organic maturity to the texture of the indented material, with immature systems exhibiting a matrix-inclusion morphology, while mature systems exhibit a polycrystal morphology. Application of these models to the interpretation of nanoindentation results on organic-rich shales allows us to identify unique clay mechanical properties that are consistent with molecular simulation results for illite and independent of the maturity of shale formation and total organic content. The results of this investigation contribute to the design of a multiscale model of the fundamental building blocks of organic-rich shales, which can be used for the design and validation of multiscale predictive poromechanics models. 相似文献
Homogeneous single crystals of synthetic monticellite with the composition \({\text{Ca}}_{0.88}{\text{Mg}}_{1.12}{\text{SiO}}_4\) (Mtc I) were annealed in a piston-cylinder apparatus at temperatures between 1000 and \(1200\,^{\circ }\hbox {C}\), pressures of 1.0–1.4 GPa, for run durations from 10 min to 24 h and applying bulk water contents ranging from 0.0 to 0.5 wt% of the total charge. At these conditions, Mtc I breaks down to a fine-grained, symplectic intergrowth. Thereby, two types of symplectites are produced: a first symplectite type (Sy I) is represented by an aggregate of rod-shaped forsterite immersed in a matrix of monticellite with end-member composition (Mtc II), and a second symplectite type (Sy II) takes the form of a lamellar merwinite–forsterite intergrowth. Both symplectites may form simultaneously, where the formation of Sy I is favoured by the presence of water. Sy I is metastable with respect to Sy II and is successively replaced by the latter. For both symplectite types, the characteristic spacing of the symplectite phases is independent of run duration and is only weeakly influenced by the water content, but it is strongly temperature dependent. It varies from about 400 nm at \(1000\,^{\circ }\hbox {C}\) to 1200 nm at \(1100\,^{\circ }\hbox {C}\) in Sy I, and from 300 nm at \(1000\,^{\circ }\hbox {C}\) to 700 nm at \(1200\,^{\circ }\hbox {C}\) in Sy II. A thermodynamic analysis reveals that the temperature dependence of the characteristic spacing of the symplectite phases is due to a relatively high activation energy for chemical segregation by diffusion within the reaction front as compared to the activation energy for interface reactions at the reaction front. The temperature dependence of the characteristic lamellar spacing and the temperature-time dependence of overall reaction progress have potential for applications in geo-thermometry and geo-speedometry. 相似文献
We report on how visual realism might influence map-based route learning performance in a controlled laboratory experiment with 104 male participants in a competitive context. Using animations of a dot moving through routes of interest, we find that participants recall the routes more accurately with abstract road maps than with more realistic satellite maps. We also find that, irrespective of visual realism, participants with higher spatial abilities (high-spatial participants) are more accurate in memorizing map-based routes than participants with lower spatial abilities (low-spatial participants). On the other hand, added visual realism limits high-spatial participants in their route recall speed, while it seems not to influence the recall speed of low-spatial participants. Competition affects participants’ overall confidence positively, but does not affect their route recall performance neither in terms of accuracy nor speed. With this study, we provide further empirical evidence demonstrating that it is important to choose the appropriate map type considering task characteristics and spatial abilities. While satellite maps might be perceived as more fun to use, or visually more attractive than road maps, they also require more cognitive resources for many map-based tasks, which is true even for high-spatial users. 相似文献
The majority of emissions of nitrous oxide – a potent greenhouse gas (GHG) – are from agricultural sources, particularly nitrogen fertilizer applications. A growing focus on these emission sources has led to the development in the United States of GHG offset protocols that could enable payment to farmers for reducing fertilizer use or implementing other nitrogen management strategies. Despite the development of several protocols, the current regional scope is narrow, adoption by farmers is low, and policy implementation of protocols has a significant time lag. Here we utilize existing research and policy structures to propose an ‘umbrella’ approach for nitrogen management GHG emissions protocols that has the potential to streamline the policy implementation and acceptance of such protocols. We suggest that the umbrella protocol could set forth standard definitions common across multiple protocol options, and then modules could be further developed as scientific evidence advances. Modules could be developed for specific crops, regions, and practices. We identify a policy process that could facilitate this development in concert with emerging scientific research and conclude by acknowledging potential benefits and limitations of the approach.
Key policy insights
Agricultural greenhouse gas market options are growing, but are still underutilized
Streamlining protocol development through an umbrella process could enable quicker development of protocols across new crops, regions, and practices
Effective protocol development must not compromise best available science and should follow a rigorous pathway to ensure appropriate implementation
While carbon pricing is widely seen as a crucial element of climate policy and has been implemented in many countries, it also has met with strong resistance. We provide a comprehensive overview of public perceptions of the fairness of carbon pricing and how these affect policy acceptability. To this end, we review evidence from empirical studies on how individuals judge personal, distributional and procedural aspects of carbon taxes and cap-and-trade. In addition, we examine preferences for particular redistributive and other uses of revenues generated by carbon pricing and their role in instrument acceptability. Our results indicate a high concern over distributional effects, particularly in relation to policy impacts on poor people, in turn reducing policy acceptability. In addition, people show little trust in the capacities of governments to put the revenues of carbon pricing to good use. Somewhat surprisingly, most studies do not indicate clear public preferences for using revenues to ensure fairer policy outcomes, notably by reducing its regressive effects. Instead, many people prefer using revenues for ‘environmental projects’ of various kinds. We end by providing recommendations for improving public acceptability of carbon pricing. One suggestion to increase policy acceptability is combining the redistribution of revenue to vulnerable groups with the funding for environmental projects, such as on renewable energy.
Key policy insights
If people perceive carbon pricing instruments as fair, this increases policy acceptability and support.
People’s satisfaction with information provided by the government about the policy instrument increases acceptability.
While people express high concern over uneven distribution of the policy burden, they often prefer using carbon pricing revenues for environmental projects instead of compensation for inequitable outcomes.
Recent studies find that people’s preferences shift to using revenues for making policy fairer if they better understand the functioning of carbon pricing, notably that relatively high prices of CO2-intensive goods and services reduce their consumption.
Combining the redistribution of revenue to support both vulnerable groups and environmental projects, such as on renewable energy, seems to most increase policy acceptability.