<html><head><meta http-equiv="Content-Type" content="text/html; charset=utf-8"></head><body style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div dir="auto" style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class="">The Montana Bankers Association <<<span style="color: rgb(0, 102, 33); font-family: Roboto, arial, sans-serif; font-variant-ligatures: normal; orphans: 2; white-space: nowrap; widows: 2; background-color: rgb(255, 255, 255);" class=""><a href="http://www.montanabankers.com/" class="">www.montanabankers.com/</a></span>>>and the Montana Association of Realtors <<<span style="color: rgb(0, 102, 33); font-family: Roboto, arial, sans-serif; orphans: 2; white-space: nowrap; widows: 2; background-color: rgb(255, 255, 255);" class=""><a href="https://www.montanarealtors.org/" class="">https://www.montanarealtors.org/</a></span>>>got a one-sentence email from me in the past couple weeks. </div><div dir="auto" style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div class=""><br class=""></div><div class="">I simply asked each group what it was doing to assess its own exposure to climate risk. <div class=""><br class=""></div><div class="">Neither has replied so far.</div><div class=""><br class=""></div><div class="">The topic keeps coming up.</div><div class=""><br class=""></div><div class=""><a class="m_-5738799253166359510nuEeue m_-5738799253166359510ME7ew m_-5738799253166359510hzdq5d" href="https://www.bloomberg.com/news/articles/2018-02-15/banks-told-they-re-lagging-on-response-to-climate-change-risks" role="heading" aria-level="2" target="_blank" data-saferedirecturl="https://www.google.com/url?hl=en&q=https://www.bloomberg.com/news/articles/2018-02-15/banks-told-they-re-lagging-on-response-to-climate-change-risks&source=gmail&ust=1518795850570000&usg=AFQjCNFfI_T7kwf-5w8ra4bruhlDuCkuAA" style="color: rgb(17, 85, 204); font-family: arial, sans-serif; font-size: 12.8px; font-variant-ligatures: normal; orphans: 2; widows: 2; text-decoration: none; vertical-align: top; line-height: 24px;"><font color="#0433ff" class=""><b class="">Banks Told They're Lagging on Response to Climate Change Risks</b></font></a><div class="m_-5738799253166359510iYiEmb m_-5738799253166359510a5SXAc" style="color: rgb(34, 34, 34); font-family: arial, sans-serif; font-size: 12.8px; font-variant-ligatures: normal; orphans: 2; widows: 2; line-height: 20px;"><span class="m_-5738799253166359510Pc0Wt m_-5738799253166359510IH8C7b" style="display: inline-block; overflow: hidden; vertical-align: bottom; max-width: 100%; text-overflow: ellipsis;">Bloomberg <span class="aBn" data-term="goog_1471810212" tabindex="0" style="border-bottom: 1px dashed rgb(204, 204, 204); position: relative; top: -2px; z-index: 0;"><span class="aQJ" style="position: relative; top: 2px; z-index: -1;">2-15-2018</span></span></span></div><div class="m_-5738799253166359510iYiEmb m_-5738799253166359510a5SXAc" style="color: rgb(34, 34, 34); font-family: arial, sans-serif; font-size: 12.8px; font-variant-ligatures: normal; orphans: 2; widows: 2; line-height: 20px;"><span class="m_-5738799253166359510Pc0Wt m_-5738799253166359510IH8C7b" style="display: inline-block; overflow: hidden; vertical-align: bottom; max-width: 100%; text-overflow: ellipsis;"><a href="https://www.bloomberg.com/news/articles/2018-02-15/banks-told-they-re-lagging-on-response-to-climate-change-risks" class=""><font color="#1155cc" class="">https://www.bloomberg.com/</font><font color="#1155cc" class=""><wbr class="">news/articles/2018-02-15/<wbr class="">banks-told-they-re-lagging-on-<wbr class="">response-to-climate-change-<wbr class="">risks</font></a></span></div><div class="m_-5738799253166359510iYiEmb m_-5738799253166359510a5SXAc" style="color: rgb(34, 34, 34); font-family: arial, sans-serif; font-size: 12.8px; font-variant-ligatures: normal; orphans: 2; widows: 2; line-height: 20px;"><br class=""></div><div class="m_-5738799253166359510iYiEmb m_-5738799253166359510a5SXAc" style="color: rgb(34, 34, 34); font-family: arial, sans-serif; font-size: 12.8px; font-variant-ligatures: normal; orphans: 2; widows: 2; line-height: 20px;"><br class=""></div><div class="">
<div dir="auto" style="color: rgb(0, 0, 0); letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div dir="auto" style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><div style="color: rgb(0, 0, 0); font-family: Verdana; font-size: 14px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px;">~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~<br class="">“The impacts of temperature may also be more indirect, but still related to physiological tolerances. For example, in spiny lizards (Sceloporus), local extinctions seem to occur because higher temperatures restrict surface activity during the spring breeding season to a daily time window that is overly short [23]. <br class=""><br class="">Similarly, increased air temperatures may both decrease activity time and increase energy maintenance costs, leading organisms to die from starvation rather than from overheating [14].”<br class=""><br class="">Cahill et al. How does climate change cause extinction? <br class="">Proceedings of the Royal Society B: Biological Sciences. 2013. <a href="http://dx.doi.org/10.1098/rspb.2012.1890" class="">http://dx.doi.org/10.1098/rspb.2012.1890</a> </div></div></div>
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