the trouble with the denier response is that it always comes back to a massive conspiracy.
insurance companies have been warning about increased risk due to climate change for some time. if you don't believe them, then you must believe they are colluding in a lie. a conspiracy.
apparently the science community engage in a vast conspiracy including reputable institutions. any govts and their advisors who take action re climate change are either in the plot or are deluded by it. 190 states have signed to the kyoto protocol.
