洪涝是危害极为严重的灾种之一，并正在日益加剧。
Flood is one of the most serious disasters which are of great harm and increasing continuously.
除水旱灾害之外，清代后期对湖南危害较大的灾种主要为虫灾，风灾、雹灾、冰冻雪灾偶有发生。
Besides the disasters of flood and droughts, heavy disasters, such as, plague of insects, windstorm, hail, and icy snow calamity took place occasionally in the later stage of Qing dynasty in Hunan.
尤其是对冲基金，特别偏好三种与变化的气候相联系的金融工具：气候衍生品，巨灾债券，以及sidecars。
Hedge funds, in particular, favour three sorts of instruments linked to the changeable climate: weather derivatives, catastrophe bonds and sidecars.
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