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Global seismic changes have begun to play a greater role in risk associated with the built environment. Consider recent severe flooding in New Orleans, New York and Boston, and along coastal towns in the paths of hurricanes and Nor'easters. Besides the destruction of property, such calamities also have spawned human health issues related to raw sewage mixing with flood waters. After the waters subside, indoor mold can render habitable spaces uninhabitable until costly remediation can be performed.

In other circumstances, our need for more natural resources increases environmental liability risks related to these activities, whether it's siting oil wells too close to a potable aquifer, oil tanks susceptible to rupture or leaking, the derailment of liquid chemical tank cars, or the contamination of drinking water supplies.

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