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Mortgage-backed securities and bonds tied into these riskier coastal real estate mortgages will be at risk of losing value. Real estate developers and investors as well are at risk of losing money invested in properties that become chronically flooded.

Once market risk perceptions catch up with reality, the potential drop in coastal property values could have broad reverberations—affecting banks, insurers, investors, developers, and taxpayers—and potentially trigger regional housing market crises as well as affect the broader national economy.

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To better understand the financial implications of the risks of sea level rise to coastal property markets and the wider economy, this analysis gathered perspectives from local officials as well as market experts.

These included representatives from credit rating agencies, insurers, real estate investors, bond investment advisors, and mortgage and real estate industry experts.

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Photo: Cris Benton

Given the enormity of the risks from sea level rise, communities, states, businesses, and the federal government all need to take action to prepare.

A crucial first step is for communities, policymakers, and the financial sector to know the risks and amount of time they have available for a robust response.

The nation must also implement policies that reduce the carbon emissions that cause global warming, including investments in clean energy solutions; re-orient policy and market incentives to better reflect the risks of sea level rise and build coastal resilience while also ensuring that resources are targeted to low-income and otherwise disadvantaged communities; and adopt bold, transformative policies that foster new frontiers of opportunity on safer ground for those who may have to retreat from high-risk areas.

The risks of rising seas are profound. Many of the challenges they bring are inevitable. And our time to act is running out. There is no simple solution—but we do still have opportunities to limit the harms.Whether we react to this threat by implementing science-based, coordinated, and equitable solu­tions—or walk, eyes open, toward a crisis—is up to us right now.

Photo: Patricia Lane Evans

To determine the number of coastal properties at risk from this level of chronic flooding, the analysis uses property data from the online real estate company Zillow combined with the findings of the 2017 analysis, SONOMA Goods for Life™ Woodcut Womens Suede Ankle Boots NB7lxfpG2
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to assess areas at risk of chronic inundation.

Three sea level rise scenarios, developed by the National Oceanic and Atmospheric Administration (NOAA) and localized for this analysis, are included:

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Registration Opens August 1, 2018

All available recordings of the the 2018 Conference (keynotes, panels, 90-minute workshops) are now available on our online store( UGG® Scuffette II Sheepskin Suede Lined Silkee Slippers uvgTxhUJ
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KEYNOTE SPEAKERS:

Wally Lamb

Wally Lamb is the author of six best-selling novels including and . Two of his novels were selected for Oprah’s Book Club.

Capturing the ‘I’ in Fiction and Nonfiction

Wednesday, February 14 6:30 PM

Jane Friedman

Jane Friedman is the co-founder and editor of , the essential publishing industry newsletter for authors, and is the former publisher of . She maintains an award-winning blog for writers at JaneFriedman.com (200,000 visits per month).

“Writing for Love (and Money)”

Thursday, February 15 2:00 PM

Rita Dove

Rita Dove, much beloved poet, is the former U.S. Poet Laureate, the first African American to hold the title, and recipient of the Pulitzer Prize. She is also an acclaimed lyricist.

“: Lyric, Narrative, and the Ties That Bind Them”

Thursday,February 15

John Vaillant

John Vaillant is the award-winning author of both fiction and nonfiction, including , a novel about Mexicans trying to cross the border. His books have all been bestsellers in Canada.

“Reverse Osmosis”

Friday, February 16

Jorge Volpi

Jorge Volpi is one of the most acclaimed writers of contemporary Mexican literature. He is the author of over 20 books, among which stands out , an international bestseller. He has received numerous awards and honors, among them a Guggenheim fellowship and the Planeta-Casa de America literary prize.

Real Fiction and Fictitious Realities.The Novel and the World

Simultaneous translation to English

Joseph Boyden

Joseph Boyden works with and writes about the First Nation people of Northern Ontario. His novels, including , have all won numerous awards.

“Creation Myth: One Writer’s Life in Three Simple Steps”

Saturday, February 17

Benjamin Alire Sáenz

Benjamin Alire Sáenz is an artist, poet, novelist, and author of children's books. His most recent book is a collection of poetry, .

“Living in the Wounds of a Nation (or at a time in my life when I would rather stay home and write in an office flooded in the light, why I cannot avert my eyes, why I cannot shut my mouth)”

Sunday, February 18

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Important Safety Information for LIVALO ® (pitavastatin) tablets

Who should NOT take LIVALO?

LIVALO is not right for everyone. Do not take LIVALO if:

  • You have a known allergy to LIVALO or any of its ingredients.
  • You have active liver problems, including some abnormal liver test results.
  • You are nursing, pregnant or may become pregnant, as it may harm the baby.
  • You are currently taking cyclosporine or gemfibrozil.

Important Safety Information for LIVALO® (pitavastatin) tablets (continued)

What is the most important information I should know and talk to my doctor about?

  • Call your healthcare provider or get help right away if you experience any symptoms of an allergic reaction, such as rash, itching, or hives.
  • Muscle problems may be an early sign of rare, serious conditions. Tell your doctor right away if you have any unexplained muscle pain, weakness, or tenderness, particularly if accompanied by malaise or fever, or if these muscle signs or symptoms persist after discontinuing LIVALO.
  • Serious liver problems have been reported rarely in patients taking statins, including LIVALO. Your doctor should do liver tests before you start, and if you have symptoms of liver problems while you are taking LIVALO. Tell your healthcare provider right away if you feel more tired than usual, have a loss of appetite, upper belly pain, dark-colored urine, or yellowing of the skin or eyes.
  • Tell your doctor about all your medical conditions and medications you take including nonprescription medicines, vitamins, or herbal supplements.
  • Increases in blood sugar levels have been reported with statins, including LIVALO.
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What are the most common side effects of LIVALO?

The most common side effects of LIVALO in clinical studies were:

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This is not a complete list of side effects. Talk to your healthcare provider for more information.

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Important Safety Information for LIVALO® (pitavastatin) tablets (continued)

How should I store and take LIVALO?

  • Store LIVALO tablets at room temperature, in a dry place, and out of the reach of children.
  • LIVALO can be taken at any time of day, with or without food.
  • Swallow the tablet whole. Do not split, crush, dissolve, or chew.
  • Do not exceed 4 mg once daily dosing of LIVALO .

Other important information I should know about LIVALO.

  • LIVALO has not been studied to evaluate its effect on reducing heart-related disease or death.
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© Kowa Pharmaceuticals America, Inc. (3/2018) - LIV-RA-0111 PI of 11/2016

US consumers only.

LIVALO is a registered trademark of the Kowa group of companies.

© Kowa Pharmaceuticals America, Inc. (2018)

All rights reserved. LIV-MT-3078 LIV-MT-3079 LIV-MT-2898 June 2018

All other trademarks are the properties of their respective owners.

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