<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 class="" style="margin: 0px; font-stretch: normal; line-height: normal;">Nature Climate Change October 29 2019</div><p class="" style="-webkit-text-stroke-width: initial; margin: 0px 0px 16px; font-stretch: normal; line-height: normal; color: rgb(34, 34, 34); -webkit-text-stroke-color: rgb(34, 34, 34);"><span class="" style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);"><b class="">The public costs of climate-induced financial instability</b></span></p><ul class="" style="list-style-type: none;"><li class="" style="margin: 0px; font-stretch: normal; line-height: normal; color: rgb(0, 102, 153); -webkit-text-stroke-width: initial; -webkit-text-stroke-color: rgb(0, 102, 153);"><span class="" style="background-color: rgb(255, 255, 255); -webkit-text-stroke-color: rgb(34, 34, 34);"><a href="https://www.nature.com/articles/s41558-019-0607-5#auth-1" class=""><span class="" style="-webkit-font-kerning: none; -webkit-text-stroke-color: rgb(0, 102, 153);">Francesco Lamperti</span></a></span><span class="" style="-webkit-font-kerning: none; color: rgb(34, 34, 34); background-color: rgb(255, 255, 255); -webkit-text-stroke-color: rgb(34, 34, 34);">, <a href="https://www.nature.com/articles/s41558-019-0607-5#auth-2" class=""><span class="" style="-webkit-font-kerning: none; color: rgb(0, 102, 153); -webkit-text-stroke-color: rgb(0, 102, 153);">Valentina Bosetti</span></a>, <a href="https://www.nature.com/articles/s41558-019-0607-5#auth-3" class=""><span class="" style="-webkit-font-kerning: none; color: rgb(0, 102, 153); -webkit-text-stroke-color: rgb(0, 102, 153);">Andrea Roventini</span></a> & <a href="https://www.nature.com/articles/s41558-019-0607-5#auth-4" class=""><span class="" style="-webkit-font-kerning: none; color: rgb(0, 102, 153); -webkit-text-stroke-color: rgb(0, 102, 153);">Massimo Tavoni</span></a> </span></li><li class="" style="margin: 0px; font-stretch: normal; line-height: normal; color: rgb(34, 34, 34); -webkit-text-stroke-width: initial; -webkit-text-stroke-color: rgb(34, 34, 34); background-color: rgb(255, 255, 255); min-height: 17px;"><b class=""></b></li><li class="" style="margin: 0px; font-stretch: normal; line-height: normal; color: rgb(34, 34, 34); -webkit-text-stroke-width: initial; -webkit-text-stroke-color: rgb(34, 34, 34); background-color: rgb(255, 255, 255);"><span class="" style="-webkit-font-kerning: none;"><b class="">Abstract</b></span></li><li class="" style="margin: 0px; font-stretch: normal; line-height: normal; color: rgb(0, 0, 238); -webkit-text-stroke-width: initial; -webkit-text-stroke-color: rgb(0, 0, 238);"><span class="" style="text-decoration: underline; -webkit-font-kerning: none;"><a href="https://www.nature.com/articles/s41558-019-0607-5" class="">https://www.nature.com/articles/s41558-019-0607-5</a></span></li><li class="" style="margin: 0px; font-stretch: normal; line-height: normal; color: rgb(34, 34, 34); -webkit-text-stroke-width: initial; -webkit-text-stroke-color: rgb(34, 34, 34); min-height: 17px;"><span class="" style="-webkit-font-kerning: none;"><b class=""></b></span><br class=""></li></ul><p class="" style="-webkit-text-stroke-width: initial; margin: 0px 0px 28px; font-stretch: normal; line-height: normal; color: rgb(34, 34, 34); -webkit-text-stroke-color: rgb(34, 34, 34); background-color: rgb(255, 255, 255);"><span class="" style="-webkit-font-kerning: none;">Recent evidence suggests that climate change will significantly affect economic growth and several productive elements of modern economies, such as workers and land <a href="https://www.nature.com/articles/s41558-019-0607-5#ref-CR1" class=""><span class="" style="-webkit-font-kerning: none; color: rgb(0, 102, 153); -webkit-text-stroke-color: rgb(0, 102, 153);">1</span></a>,<a href="https://www.nature.com/articles/s41558-019-0607-5#ref-CR2" class=""><span class="" style="-webkit-font-kerning: none; color: rgb(0, 102, 153); -webkit-text-stroke-color: rgb(0, 102, 153);">2</span></a>,<a href="https://www.nature.com/articles/s41558-019-0607-5#ref-CR3" class=""><span class="" style="-webkit-font-kerning: none; color: rgb(0, 102, 153); -webkit-text-stroke-color: rgb(0, 102, 153);">3</span></a>,<a href="https://www.nature.com/articles/s41558-019-0607-5#ref-CR4" class=""><span class="" style="-webkit-font-kerning: none; color: rgb(0, 102, 153); -webkit-text-stroke-color: rgb(0, 102, 153);">4</span></a>. Although historical records indicate that economic shocks might lead to financial instability, few studies have focused on the impact of climate change on the financial actors <a href="https://www.nature.com/articles/s41558-019-0607-5#ref-CR5" class=""><span class="" style="-webkit-font-kerning: none; color: rgb(0, 102, 153); -webkit-text-stroke-color: rgb(0, 102, 153);">5</span></a>,<a href="https://www.nature.com/articles/s41558-019-0607-5#ref-CR6" class=""><span class="" style="-webkit-font-kerning: none; color: rgb(0, 102, 153); -webkit-text-stroke-color: rgb(0, 102, 153);">6</span></a>.</span><span class="" style="-webkit-font-kerning: none; background-color: rgb(255, 251, 0);"> This paper examines how climate-related damages impact the stability of the global banking system.</span><span class="" style="-webkit-font-kerning: none;"> We use an agent-based climate–macroeconomic model calibrated on stylized facts, future scenarios and climate impact functions <a href="https://www.nature.com/articles/s41558-019-0607-5#ref-CR7" class=""><span class="" style="-webkit-font-kerning: none; color: rgb(0, 102, 153); -webkit-text-stroke-color: rgb(0, 102, 153);">7</span></a> affecting labour and capital. Our results indicate that climate change will increase the frequency of banking crises (26–248%). Rescuing insolvent banks will cause an additional fiscal burden of approximately 5–15% of gross domestic product per year and increase the ratio of public debt to gross domestic product by a factor of 2. We estimate that around 20% of such effects are caused by the deterioration of banks’ balance sheets induced by climate change. Macroprudential regulation attenuates bailout costs, but only moderately. Our results show that leaving the financial system out of climate–economy integrated assessment may lead to an underestimation of climate impacts and that financial regulation can play a role in mitigating them.</span></p><div class=""><div class=""></div></div><div class="">
<div style="caret-color: rgb(0, 0, 0); color: rgb(0, 0, 0); font-family: Verdana; font-size: 14px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: auto; word-spacing: 0px; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; text-decoration: none;"><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; font-family: Helvetica;" class="">==================================================</div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(102, 0, 153);" class=""><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""><a href="https://www.ipcc.ch/ipccreports/tar/wg3/index.php?idp=413" class="">Lifestyles - IPCC - Intergovernmental Panel on Climate Change<span style="-webkit-font-kerning: none;" class=""></span></a></span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(0, 102, 33);" class=""><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""><a href="https://www.ipcc.ch/ipccreports/tar/wg3/index.php?idp=413" class="">https://www.ipcc.ch › ipccreports › tar<span style="-webkit-font-kerning: none; color: rgb(0, 102, 33);" class=""></span></a></span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(84, 84, 84);" class=""><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class="">There are two reasons why </span><span style="-webkit-font-kerning: none; color: rgb(106, 106, 106); background-color: rgb(255, 255, 255);" class=""><b class="">lifestyles</b></span><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""> are an issue of </span><span style="-webkit-font-kerning: none; color: rgb(106, 106, 106); background-color: rgb(255, 255, 255);" class=""><b class="">climate</b></span><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""> policy.<span class="Apple-converted-space"> </span></span><span style="-webkit-font-kerning: none; color: rgb(0, 0, 0); background-color: rgb(255, 255, 255);" class="">First,<span class="Apple-converted-space"> </span><b class="">consumption</b><span class="Apple-converted-space"> </span>patterns are an important factor in <b class="">climate</b> change</span><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""><span class="Apple-converted-space"> </span>since they have become ...</span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(34, 34, 34); min-height: 15px;" class=""><span style="-webkit-font-kerning: none;" class=""><b class=""></b></span><br class=""></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(102, 0, 153);" class=""><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""><a href="https://www.ipcc.ch/ipccreports/tar/wg3/index.php?idp=61" class="">Intergovernmental Panel on Climate Change - IPCC<span style="-webkit-font-kerning: none;" class=""></span></a></span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(0, 102, 33);" class=""><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""><a href="https://www.ipcc.ch/ipccreports/tar/wg3/index.php?idp=61" class="">https://www.ipcc.ch › ipccreports › tar<span style="-webkit-font-kerning: none; color: rgb(0, 102, 33);" class=""></span></a></span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(84, 84, 84); background-color: rgb(255, 255, 255);" class=""><span style="-webkit-font-kerning: none;" class="">1.4 Global Sustainability and </span><span style="-webkit-font-kerning: none; color: rgb(106, 106, 106);" class=""><b class="">Climate</b></span><span style="-webkit-font-kerning: none;" class=""> Change Mitigation ... the unsustainable </span><span style="-webkit-font-kerning: none; color: rgb(106, 106, 106);" class=""><b class="">lifestyles</b></span><span style="-webkit-font-kerning: none;" class=""> and patterns of production and<b class=""><span class="Apple-converted-space"> </span>consumption</b>, and explores a broad range ...</span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(84, 84, 84); min-height: 15px;" class=""><span style="-webkit-font-kerning: none;" class=""></span><br class=""></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(26, 13, 171);" class=""><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""><b class="">[PDF]</b></span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(102, 0, 153);" class=""><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""><a href="https://report.ipcc.ch/sr15/pdf/sr15_spm_final.pdf" class="">Report - IPCC - Intergovernmental Panel on Climate Change<span style="-webkit-font-kerning: none;" class=""></span></a></span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(0, 102, 33);" class=""><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""><a href="https://report.ipcc.ch/sr15/pdf/sr15_spm_final.pdf" class="">https://report.ipcc.ch › pdf › sr15_spm_final<span style="-webkit-font-kerning: none; color: rgb(0, 102, 33);" class=""></span></a></span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(84, 84, 84);" class=""><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class="">Hydrological Institute (SMHI), Sweden; the Ministry of </span><span style="-webkit-font-kerning: none; color: rgb(106, 106, 106); background-color: rgb(255, 255, 255);" class=""><b class="">Environment</b></span><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""> Natural . ...... </span><span style="-webkit-font-kerning: none; color: rgb(106, 106, 106); background-color: rgb(255, 255, 255);" class=""><b class="">lifestyles</b></span><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class="">, including high demand for</span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(34, 34, 34); min-height: 15px;" class=""><span style="-webkit-font-kerning: none;" class=""></span><br class=""></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(102, 0, 153);" class=""><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""><a href="http://www.ipcc.ch/ipccreports/tar/wg3/index.php?idp=48" class="">Intergovernmental Panel on Climate Change - IPCC<span style="-webkit-font-kerning: none;" class=""></span></a></span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(0, 102, 33); background-color: rgb(255, 255, 255);" class=""><span style="-webkit-font-kerning: none;" class=""><a href="http://www.ipcc.ch/ipccreports/tar/wg3/index.php?idp=48" class="">www.ipcc.ch › ipccreports › tar<span style="-webkit-font-kerning: none; color: rgb(0, 102, 33);" class=""></span></a></span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(84, 84, 84); background-color: rgb(255, 255, 255);" class=""><span style="-webkit-font-kerning: none;" class="">Setting the Stage: </span><span style="-webkit-font-kerning: none; color: rgb(106, 106, 106);" class=""><b class="">Climate</b></span><span style="-webkit-font-kerning: none;" class=""> Change and Sustainable Development Contents ... 1.2.2 The Costs of </span><span style="-webkit-font-kerning: none; color: rgb(106, 106, 106);" class=""><b class="">Climate</b></span><span style="-webkit-font-kerning: none;" class=""> Change Mitigation ... 1.4.3.3 “Appropriate” </span><span style="-webkit-font-kerning: none; color: rgb(106, 106, 106);" class=""><b class="">Lifestyles</b></span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(84, 84, 84); min-height: 15px;" class=""><span style="-webkit-font-kerning: none;" class=""></span><br class=""></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(102, 0, 153);" class=""><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""><a href="http://ipcc.ch/ipccreports/tar/wg2/index.php?idp=350" class="">Intergovernmental Panel on Climate Change - IPCC<span style="-webkit-font-kerning: none;" class=""></span></a></span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(0, 102, 33);" class=""><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""><a href="http://ipcc.ch/ipccreports/tar/wg2/index.php?idp=350" class="">ipcc.ch › ipccreports › tar<span style="-webkit-font-kerning: none; color: rgb(0, 102, 33);" class=""></span></a></span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(84, 84, 84); background-color: rgb(255, 255, 255);" class=""><span style="-webkit-font-kerning: none;" class="">Today, as the scale of human impact on the </span><span style="-webkit-font-kerning: none; color: rgb(106, 106, 106);" class=""><b class="">environment</b></span><span style="-webkit-font-kerning: none;" class=""> increases, a range of ... that are exposed to changes in </span><span style="-webkit-font-kerning: none; color: rgb(106, 106, 106);" class=""><b class="">lifestyle</b></span><span style="-webkit-font-kerning: none;" class=""> and environmental and occupational ...</span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(84, 84, 84); min-height: 15px;" class=""><span style="-webkit-font-kerning: none;" class=""></span><br class=""></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(102, 0, 153);" class=""><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""><a href="https://www.ipcc.ch/ipccreports/tar/wg3/index.php?idp=415" class="">Intergovernmental Panel on Climate Change - IPCC<span style="-webkit-font-kerning: none;" class=""></span></a></span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(0, 102, 33);" class=""><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""><a href="https://www.ipcc.ch/ipccreports/tar/wg3/index.php?idp=415" class="">https://www.ipcc.ch › ipccreports › tar<span style="-webkit-font-kerning: none; color: rgb(0, 102, 33);" class=""></span></a></span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(84, 84, 84); background-color: rgb(255, 255, 255);" class=""><span style="-webkit-font-kerning: none;" class="">Environmental education could be more effective than it has proved so far if it recognized that human behaviour hinges on </span><span style="-webkit-font-kerning: none; color: rgb(106, 106, 106);" class=""><b class="">lifestyle</b></span><span style="-webkit-font-kerning: none;" class=""> or self-awareness.</span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(84, 84, 84); min-height: 15px;" class=""><span style="-webkit-font-kerning: none;" class=""></span><br class=""></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(102, 0, 153);" class=""><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""><a href="https://www.ipcc.ch/ipccreports/tar/wg2/index.php?idp=441" class="">Intergovernmental Panel on Climate Change - IPCC<span style="-webkit-font-kerning: none;" class=""></span></a></span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(0, 102, 33);" class=""><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""><a href="https://www.ipcc.ch/ipccreports/tar/wg2/index.php?idp=441" class="">https://www.ipcc.ch › ipccreports › tar<span style="-webkit-font-kerning: none; color: rgb(0, 102, 33);" class=""></span></a></span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(84, 84, 84); background-color: rgb(255, 255, 255);" class=""><span style="-webkit-font-kerning: none;" class="">... among other factors, demographic changes, urbanization and industrial development, trade and transport demands, and </span><span style="-webkit-font-kerning: none; color: rgb(106, 106, 106);" class=""><b class="">lifestyle</b></span><span style="-webkit-font-kerning: none;" class=""> changes, the coastal zones ...</span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(84, 84, 84); min-height: 15px;" class=""><span style="-webkit-font-kerning: none;" class=""></span><br class=""></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(102, 0, 153);" class=""><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""><a href="https://ar5-syr.ipcc.ch/topic_futurechanges.php" class="">Topic 2: Future changes, risks and impacts — IPCC<span style="-webkit-font-kerning: none;" class=""></span></a></span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(0, 102, 33); background-color: rgb(255, 255, 255);" class=""><span style="-webkit-font-kerning: none;" class=""><a href="https://ar5-syr.ipcc.ch/topic_futurechanges.php" class="">https://ar5-syr.ipcc.ch › topic_futurechanges<span style="-webkit-font-kerning: none; color: rgb(0, 102, 33);" class=""></span></a></span></div><ol class=""><li style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(84, 84, 84);" class=""><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class="">Topic 2 assesses projections of future </span><span style="-webkit-font-kerning: none; color: rgb(106, 106, 106); background-color: rgb(255, 255, 255);" class=""><b class="">climate</b></span><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""> change and the resulting risks and ... population growth, </span><span style="-webkit-font-kerning: none; color: rgb(106, 106, 106); background-color: rgb(255, 255, 255);" class=""><b class="">lifestyle</b></span><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""> and behavioural changes, associated changes in ...</span></li></ol><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(34, 34, 34); min-height: 15px;" class=""><span style="-webkit-font-kerning: none;" class=""></span><br class=""></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(102, 0, 153);" class=""><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""><a href="https://www.cnn.com/2018/10/08/world/ipcc-climate-change-consumer-actions-intl/index.html" class="">What the new report on climate change expects from you - CNN<span style="-webkit-font-kerning: none;" class=""></span></a></span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(0, 102, 33);" class=""><span style="-webkit-font-kerning: none; background-color: rgb(255, 255, 255);" class=""><a href="https://www.cnn.com/2018/10/08/world/ipcc-climate-change-consumer-actions-intl/index.html" class="">https://www.cnn.com › world › ipcc-climate-change-consumer-actions-intl<span style="-webkit-font-kerning: none; color: rgb(0, 102, 33);" class=""></span></a></span></div><div style="margin: 0px; font-stretch: normal; font-size: 12px; line-height: normal; color: rgb(84, 84, 84); background-color: rgb(255, 255, 255);" class=""><span style="-webkit-font-kerning: none; color: rgb(112, 117, 122);" class="">Oct 8, 2018 - </span><span style="-webkit-font-kerning: none;" class="">A stark new report from the global scientific authority on </span><span style="-webkit-font-kerning: none; color: rgb(106, 106, 106);" class=""><b class="">climate</b></span><span style="-webkit-font-kerning: none;" class=""> ... But to do that, the UN's Intergovernmental Panel on </span><span style="-webkit-font-kerning: none; color: rgb(106, 106, 106);" class=""><b class="">Climate</b></span><span style="-webkit-font-kerning: none;" class=""> Change (</span><span style="-webkit-font-kerning: none; color: rgb(106, 106, 106);" class=""><b class="">IPCC</b></span><span style="-webkit-font-kerning: none;" class="">) says, would ... change their </span><span style="-webkit-font-kerning: none; color: rgb(106, 106, 106);" class=""><b class="">lifestyle</b></span><span style="-webkit-font-kerning: none;" class=""> and<span class="Apple-converted-space"> </span><b class="">consumption</b><span class="Apple-converted-space"> </span>patterns to more sustainable ...</span></div></div>
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