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Give two examples of how humans are disrupting the carbon cycle and explain why the carbon cycle cannot return to normal on the scale of tens or hundreds of years.
Moral Hazard
A situation where one party is more likely to take risks because the consequences of their actions are partly borne by others.
Straight Salary
A fixed amount of pay given to an employee, not dependent on the hours worked or performance.
Over Insure
The condition of having insurance coverage that exceeds the value of the insured item or risk, leading to unnecessary higher premium costs.
Deductible
A sum specified in an insurance policy that the insured individual must pay before being compensated for a claim; deductibles reduce moral hazard.
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