Forbes: Climate change has arrived. 2012 is in the books as the warmest year on record, and extreme costly weather events are becoming the norm rather than the exception. Against this backdrop, the debate is slowly migrating from partisan wrangling over the existence of climate change to more productive efforts to think creatively about how to prepare for it. My interest here is not to make the case for climate change many far more knowledgeable than I have already done so but to show how some f0rward-thinking...