Rivers and the landscapes they connect

Rivers carry water through landscapes and connect places that may look very different from one another. A narrow upland stream can eventually join a broad channel crossing a plain. Along the way, the flow receives water from smaller tributaries, rainfall, and groundwater. The boundaries of the surrounding drainage basin help explain why events far upstream can influence conditions much farther ...

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A Wrong Insurance Age Can Change the Benefit of an Issued Ontario Policy

An age misstatement in an issued Ontario individual life insurance policy can affect the benefit amount, rather than simply produce a corrected date on the paperwork. Ontario’s Insurance Act provides a same-premium adjustment mechanism, subject to an insurable-age exception. A ...

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