My wife is an inveterate political news junkie, and as we've watched the "talking heads" on television, it has become evident what issues will be most important when voting for the next President.

There are two issues that, when understood, actually become a single issue: climate and immigration. But "immigration" is the wrong word. As I wrote in the foreword to the May 2020 supplement to "Casualty Insurance Claims, 4th": "Is it really immigration that is at issue? All over the world, there is a new migration in the works, and the reason behind much of it is global warming." There were waves of immigration in the 17th to 20th centuries when Europeans fled crowded and warring nations for new opportunities in America; the recent waves of immigrants are more likely refugees. It is not just for the opportunity; it is a case of necessity.