In response to Jim Fossel, “A literal rainy day fund is a good idea,” March 10. Fossel states: “Neither the companies nor their customers are responsible for bad weather.”

Here’s what’s responsible for climate change: Some 40,000,000,000 people over 250 years, using the thin, fragile atmosphere as a trash  dump. Hundreds of billions of tons of C02, and worse. It’s not thick either: think of the skin on an apple for a scale model.

There’s your complex formula.

Ted Elliott

Augusta