Naomi has a very high deductible and an HSA. Naomi most likely has a low premium
The greenhouse gasses help increase global warming because they keep CO2 and inside of the atmosphere. Overpopulation leads to lack of resources and things like famine and poverty, while water and land pollution can lead to the pollution of fertile ground, which then goes to the food that they eat, or they can polute the groundwater or rivers and thus also poison the organisms that live inside.
