Key issues of contention remain, including how strictly the protocol's requirements will be applied, and the extent to which the planting of pollution-absorbing trees - so-called carbon sinks - can be used to meet targets.

BBC: EU pushes for Kyoto compromise

You're more likely to get claims covered when you strictly follow your insurer's requirements, says Erin Moaratty, chief special-projects officer at the nonprofit Patient Advocate Foundation in Newport News, Virginia.

CNN: How to prevent a medical bill disaster