And the award for the most tenuous, deceptive and silly article this year goes to Kate of the "Climate Institute".
For really thick readers the name is the clue for what it gets money. I will bet the bulk of their funds rock in from their mates in the Government.
Please tell me I am wrong?

What a pile of absolute nonsense. The shame is that the taxpayer is probably paying this dill to disseminate this garbage,

"Kate Mackenzie is The Climate Institute’s Investment and Governance Policy Manager"

The title shows the author believes in dangerous human caused climate change. Kate should read more broadly than the group-think she is participating in with the Climate Institute..

The climate has been changing for 4.5 billion years and will continue to do so. It changes abruptly - always has and always will - not as the models show. There are many causes (e.g. the location of the tectonic plates). Human caused GHG emissions are just one (it is debatable whether they are responsible for more or less than 50% of the recent warming (since about 1950).

The planet is currently in an ice age (i.e a period when it has ice at one (or both) of the poles). This is unusual - i.e., it has occurred only 25 % of the time since multi-cell animal life began about 600 million years ago. So,there is virtually not risk of dangerous or catastrophic warming. It's a massive beat up by those who make a living out of scaring the population by creating and inflaming irrational phobias.

The planet will not get out of the current ice age until North and South America separate again, allowing waters to circulate the planet in the low and middle latitudes.

The real issue regarding "dangerous" and "catastrophic" is the consequences of the planet warming or cooling. Cooling is definitely dangerous and would be deadly for possibly billions of people. However, it is debatable whether warming is doing and likely to continue to do more harm than good.

The nonsense people like Kate keep repeating is frustrating and damaging. It is slowing the rate human wellbeing is improving globally. Those who like to call themselves "Progressives" have been blocking progress for at least half a century.

Nothing that wasn't in the Insurance Council of Australia paper of 2008. http://www.insurancecouncil.com.au/issue-submissions/issues/climate-change-improving-community-resilience-to-extreme-weather-events
Localgovernment authorities in Queensland were banned from even acknowledging Climate risk by the LNP state government. Now reality is setting in.

At first glance this really dumbed down diatribe, seems like the wish list of realtors with a massive stockpile of unsold southern state real estate to foist off on the gullible?

Regardless of climate change, people will need to follow the water!

Unless southern Primary Production and their city cousins find a way to manage on far less. i.e., Change the Murray darling from a veritable fruit bowl to an oil drum, via algae based oil production.

And indeed suck carbon directly from the atmosphere, given algae absorb 2.5 times their bodyweight as atmospheric carbon, which literally doubles every 24 hours along with phenomenally boosted and maximised algae farming oil production, which would reduce irrigation demands down to just 1-2% of former traditional irrigation!

And even then allow most or all of it to rely exclusively on recycled (borrowed, cleaned and returned to the system) effluent?

And given pragmatism prevails, shift most of our water dependant primary production to the north where rainfall is measured in metres? And indeed, far enough inland to escape the worst of any climate change caused cyclones.

Around ninety million years ago, the world faced a similar climate change crisis, and according to the paleontological record, those few that survived were small colonies or enclaves saved in relatively protected small mountain valleys, caves and such?

And given boam homes located in inland valleys connected by storm, fire and flood proof underground transit systems and information highways emulate much of that? That's what I'd plan for along with a move that follows the rain! Rather than the apartment glut of southern state debt laden speculators.

Look at what killed the Celtic economic miracle and that of similarly affected and now basket case economy, Spain. And then measure those very outcomes against this spurious advice!
Alan B.

This is yet another attempt to get every man and his dog involved in climate change over reaction.

Banks lend money, their duty is to ensure that they get repaid, insurers insure property on risks today, not what might be in a few decades.