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On the Additional Premium required for Residence in Foreign Climates

Published online by Cambridge University Press:  18 August 2016

James Meikle*
Affiliation:
Faculty of Actuaries, Edinburgh Institute of Actuaries, London Scottish Provident Institution

Extract

The climate of any place is the result of the various phenomena regulating the natural order of the universe, as these are modified by circumstances affecting the particular locality. Climate has been concisely defined by Humboldt to signify all those states and changes of the atmosphere which sensibly affect our organs,—temperature, humidity, weight, agitation, electric tension, purity, and transparency. If we would correctly consider the climate of any place, it is accordingly necessary to give some consideration to every one of these phenomena. Temperature alone, if that be held to signify the mean annual temperature, gives a very imperfect idea of climate. It no doubt forms a most important element, but it must be considered with reference to its range, and that not only the minimum and maximum temperatures of the year, or the average daily temperature of the various months of the year, but it is also essentially necessary to know the daily range of the thermometer throughout the year, and during a series of years. The suddenness of the variations of the temperature is a most important element in judging of climate, and it is also important to understand the causes of the daily extremes of heat and cold, and the accompanying force and direction of wind during these extremes. Very intense heat and very severe cold may be borne without uneasiness, or even without much discomfort, provided these are unaccompanied by wind.

Type
Research Article
Copyright
Copyright © Institute and Faculty of Actuaries 1876

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