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California’s fire tornado is what climate change looks like

For weeks now, the world has been in the grips of a global heat wave — one of the most destructive and unusually hot summers in human history. And we know that a summer like this couldn’t have happened without climate change.

In California and in wildfire zones around the world, survivors are sharing the images and videos they captured while fleeing some of the most destructive fires in history.

From an on-the-ground, human perspective, July looked and felt like hell.

The video above is of the massive Carr Fire, still burning mostly uncontained near Redding, California. At last count, 1,555 homes have burned — one of the most destructive fires in California history. Six of the state’s 20 most destructive fires on record have occurred in the past 10 months.

If it looks to you like a giant fire tornado, you’d be right. And living through it was just as terrifying as you’d expect.

Speaking with reporters on Wednesday, Governor Jerry Brown said simply, “We are in uncharted territories.”

Looking at the numbers, it’s easy to see why he’s right. July was the hottest month ever measured in Redding. Burnable vegetation in the area is at the 99th percentile. These are ideal conditions for a megafire. The Carr Fire alone is more than four times larger than the city of San Francisco; its smoke is setting records for the worst air quality in history as far away as 200 miles away in Reno, Nevada.

But perhaps the most unusual thing about the Carr Fire is the incredibly strong winds it created:

The heat from the fire was so intense that it created a towering, rotating cloud six miles high — meteorologists call them pyrocumulus, but this one effectively was a giant tornado. The wind damage from the Carr Fire is consistent with speeds in excess of 143 mph.*

Winds this strong over such a widespread area are exceedingly rare in wildfires, though they have been documented before. Fires need oxygen to burn, and the Carr Fire created its own weather to ensure a constant oxygen supply — to devastating effect.

Big fires, like the Carr Fire, are getting more common as more people live closer to forests and temperatures rise. But it’s that latter factor that’s most important in making fire size skyrocket in recent years. The heat we’re experiencing right now is unlike any previous generation has ever experienced. And it’s not just happening in California.

In northern Finland, sunbathers lounged with reindeer near the Arctic Circle while a wildfire burned in the distance.

In Greece, there is terrifying footage of people escaping July’s horrific fires.

With more than a dozen large fires burning throughout California, this year’s fire season is already starting to outstrip the state’s resources. Thousands of firefighters have flown in from across the country to help fight the blazes, and wildfire season is just getting started. August is the peak month for wildfires across the western U.S. According to the latest fire outlook released on Wednesday, nearly the entire region will remain at above normal risk until at least October.

In Europe, ideal wildfire conditions are set to return this weekend, with temperatures in Spain and Portugal forecast to challenge all-time European records.

If there’s one thing we should take away from this nightmarish weather, it’s this: As bad as these fires are, climate change isn’t going to let up until we work together to address its root causes. Warming-fueled megafires isn’t a new normal, it’s a new exceptional; a new extraordinary.

*This post has been updated with new information.

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California’s fire tornado is what climate change looks like

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The CARD Act Has Saved Us $12 Billion Per Year

Mother Jones

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Who do credit card companies make the most money from? Answer: the poor, by far, because they rack up the highest fees and the highest interest expense. Card issuers also make some money on the rich, because they buy a lot of stuff. This generates interchange fees (usually 2-3 percent of the amount charged) that exceed the cost the reward points they dole out to attract these customers.

It’s the customers in the middle who cost them. They don’t buy enough stuff to generate lots interchange fees, but they aren’t poor enough to get themselves stuck with lots of late fees and interest charges. The chart below shows this. Folks with FICO scores between 660 and 730 (representing about a third of all customers) are net losses for credit card companies.

This comes from a paper written last year about the effect of the CARD Act, a law passed in 2009 that modestly regulated the credit card industry. The authors’ conclusion: “The CARD Act successfully reduced borrowing costs, in particular for borrowers with the lowest FICO scores. We find no evidence for offsetting increases in other costs or a decline in credit volume.” All in all, the CARD Act saved consumers—mostly lower-income consumers—about $12 billion per year. For much more, see today’s Harold Pollack interview with one of the authors here.

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The CARD Act Has Saved Us $12 Billion Per Year

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