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Have you seen any developments in the futures/insurance market for crops? From what I understand, the only way to insure against something like climate losses would be to buy a futures contract. Are there any new products popping up now that there's a ton more volatility due to climate change? Could there be a repeat of the myriad of insurance and default swaps contracts that plagued housing and MBS markets in the lead up to the crisis?

Just wanted to say I, too, was homeless at 19. After my parents lost the house, they went with my two siblings into a 300 sq ft tiny apartment, while I couch surfed from house to house among my friends. Thankfully, I only spent the night in my car a few times, and if I really wanted to I could've slept on the bathroom floor at my parent's tiny place. Over the following years I held every job you can imagine, while managing to figure out my immigration paperwork to stay here in the US.

I'm 24 now. I work 30 hours a week and go to school full time. Next fall I'm entering my first semester as a transfer student at UCR, and I'm majoring in Economics. My grades are such that I'm getting enough financial aid to quit my day job and go work at the school, while covering all of my expenses.

Just wanted to say congratulations. I know i'm in the right path, but it's awesome to know that I'm not the only one.

I know that first night sleeping in your car is always the worst, and I cried myself to sleep just like a baby, but there really isn't anything that hard work and dedication can prevent you from doing.

Thanks! My question is more about the second point you mentioned. Has this market grown in recent years? Gotten more complex? Is this something everyone is buying?