I've made the point often. If you want to know if climate change is real, check with the people who actually have money on the table, skin in the game - the big insurance companies. These folks have more money than God, (almost as much as Exxon) and hire the smartest number crunchers in the world to assess their risk exposure. They are factoring in climate change, and pricing their coverage accordingly . As Eli Lehrer points out below, if they don’t get it right, someone will come in, undercut them, and eat their lunch.