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Reference_description_with_linked_URLs__________________________Notes__________________________________________________________________
First Street Foundation - climate risk factor model by location
environmental risk factor analysis by property location going forwardResearchers at First Street used their model to create an online tool called Risk Factor to give people hyperlocal snapshots of how their property is affected by extreme temperatures 
https://www.yahoo.com/news/u-could-see-extreme-heat-040100180.htmlextreme heat trends in US
https://www.noaa.gov/stories/july-2022-was-third-hottest-on-record-for-usNOAA monthly climate report




https://www.linkedin.com/pulse/principles-lifelong-meaningful-relationships-ray-dalio/Ray Dalio on life long relationships
https://unherd.com/2019/12/is-this-the-end-for-labour/Paul Embrey on what liberal UK voters really want and why they voted conservative in 2019
https://www.brainyquote.com/quotes/thomas_sowell_163937Thomas Sowell on "Johnny doesn't know what thinking is" **






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https://www.yahoo.com/news/mit-engineers-created-portable-device-212012910.html

 the MIT team’s device relies on a process called ion concentration polarization (ICP), which utilizes an electric field sent through membranes above and below a channel of water. The field repels charged particles and contaminants into a separate channel of water that is discarded. This allows clean, drinkable water to be produced. “We apply an electric field in the water flow and the electricity helps remove the particles like salt in the water,” Yoon explained. “That’s the basic principle of the device’s desalination process.”



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