Hot Cocoa

"Insurers are like the financial canary in the coal mine: When they start gasping for breath, it’s time to take notice."

That's one side of the story.

Of course, every coin has two sides, plus of course that third side which goes all the way around, but that doesn't count here in America where everything boils down to opposing soundbites.

"Swiss Res report is not a fresh development in the global warming wars, though. The Zurich-based company has been concocting scary climate change scenarios for more than a decade and trying to make a buck -- or Swiss franc -- off of it. It would be nice to think that the company had learned something in that time, but apparently not."

So there you have it.

Global warming is just a big spook story cooked up by European insurance companies as part of an insidious plot to scare you into buying more insurance. Pretty darn clever, I'll say.

But what about all those pictures of melting glaciers?

Is it all part of an evil Swiss plot?!

I know that I, for one, will be doing my utmost to foil this devilish plan by foreswearing now and forever: no more Swiss Miss hot chocolate in this household. Not ever. There. I've gone and said it.