On Dec. The Atlantic
Ocean, Indian Ocean and European seas each experienced about 60-65
events since 1900, or about 1.

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, the world's leading risk and reinsurance specialist
and a part of the Marsh + McLennan Companies, Inc.

While plans are in place to extend the reach of the existing
warning system to affected regions not yet covered, an
effective network cannot prevent property destruction or limit
insured losses in vulnerable areas. The firm's full breadth of services includes 16
centers of excellence in Accident + Health, Agriculture, Alternative
Risk Transfer, Environmental, General Casualty, Investment Banking*,
Life + Annuity, Marine and Energy, Professional Liability, Program
Manager Solutions , Property, Retrocessional, Structured Risk, Surety,
Terror Risk, and Workers Compensation.

landslides usgs

"
The Dow Chemical Company Foundation made its first financial pledge -- of
$1 million -- more than 20 years ago to Habitat for Humanity affiliates to use
to build homes. According to the
report , total insured losses are expected to range from US$2.

earthquakes rubble

7 a year.com

* Securities are offered in the United States through MMC Securities
Corp. MMC Securities Corp.

hazards flattened

The contribution will provide for
the building of 150 homes and two technical centers in tsunami-impacted areas
of Sri Lanka , India and Indonesia.guycarp.

Find sites related to the Kashmir, 2005 earthquake, also known as the Northern Pakistan earthquake or South Asia earthquake.

relief hyperlinked

earthquakes hazards

Their support in this disaster rebuilding
effort is particularly meaningful to us and those we serve. By the
end of 2005, Habitat will have built its 200,000th house and more than one
million people will be living in Habitat homes they helped build and are
buying through no-profit, zero-interest mortgages.
The report also indicates that tsunamis are actually a widespread
phenomenon, with over 1,100 recorded globally since 1900. The report analyzes the threat to countries near the Pacific,
Atlantic and Indian oceans and examines historical tsunamis and their
main causes, including earthquakes, landslides, volcanic activity,
meteor impacts and man-made explosions.

ongoing rubble

Dow Gives Support for Habitat for Humanity's Tsunami Relief Efforts

, As Habitat for Humanity
International's Jimmy Carter Work Project 2005 gets into full swing in
Michigan this week, the global nonprofit ministry today announced a $700,000
commitment from The Dow Chemical Company . To date, Dow's financial contributions have totaled more than
$10 million, earning Dow the honor of becoming a Lifetime Cornerstone Society
member of Habitat in the year 2000. Committed to the principles of sustainable
development, Dow and its 43,000 employees seek to balance economic,
environmental and social responsibilities. References to "Dow" or the
"Company" mean The Dow Chemical Company and its consolidated subsidiaries
unless otherwise expressly noted. (NYSE: MMC), today
announced the publication of Tsunami: Indian Ocean Event and
Investigation into Potential Global Risks, which details the damage
caused by the Sumatra earthquake and subsequent tsunami in Asia and
explores the global danger that the tsunami hazard poses. Guy Carpenter's
website address is www.

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5 billion
to US$4 billion, and life and health costs may reach US$1 billion.

newsasia msnbc

The wave struck coastal regions in 12 countries; Indonesia, Sri
Lanka, India and Thailand were hardest hit. http://www.

Business Editors/Insurance Writers

NEW YORK + LONDON----Guy Carpenter
+ Company, Inc. is an affiliate of Guy
Carpenter + Company, Inc.

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"
"The Dow grant is a critical step forward for us as we continue to move to
help people so tragically impacted by the tsunami, and others so in need
throughout the world," said Paul Leonard, Habitat for Humanity International
chief executive officer., is an
ecumenical Christian ministry dedicated to eliminating poverty housing.

hyperlinked kashmir

"We have had the privilege of working with Dow in a
number of our traditional projects.

About Dow
Dow is a leader in science and technology, providing innovative chemical,
plastic and agricultural products and services to many essential consumer
markets.habitat. As population density continues to increase in many
of the world's coastal areas, our understanding of the peril may help
prepare better warning systems, limit loss of life and mitigate
property damage," said Ryan Ogaard, Global Practice Leader of Guy
Carpenter 's Instrat(R) unit.guycarp.

kashmir hyperlinked

The report also provides information about the cause of the 9.

ongoing earthquake

With annual sales of $40 billion, Dow serves customers in 175
countries and a wide range of markets that are vital to human progress: food,
transportation, health and medicine, personal and home care, and building and
construction, among others.0
magnitude Sumatra earthquake, the damage extent across Asia and east
Africa and the economic and insured loss estimates for each affected
country.

With three major events in the past 150 years, the Indian
Ocean faces a high incidence of tsunamis , with potentially
devastating effects.

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The grant is part of a three-phase $5-million relief plan Dow has
undertaken in response to the tsunami, said Sarah Opperman, Dow vice
president .

measurements magnitude

Guy Carpenter Publishes Report on Indian Ocean Tsunami Event; New Study Offers Insight into Damages and Global Risks

Early forecasts indicate that reinsured losses will not be large.
"Although the 2004 tsunami drew worldwide attention because of the
massive devastation left in its wake, tsunamis are far more common
than people think.

earthquake flattened

The Atlantic Ocean contains several areas that could trigger a
large tsunami, however, it is probable that the frequency and
magnitude of events would be less than in the Pacific Ocean. In addition, Guy Carpenter's
Instrat(R) unit utilizes industry-leading quantitative skills and
modeling tools that optimize the reinsurance decision-making process
and help make the firm's clients more successful.

hyperlinked casualties

26, 2004, a massive underwater earthquake triggered a tsunami that
ravaged the coasts of many south Asia nations, killing hundreds of thousands
of people.

eyewitness measurements

com

Guy Carpenter + Company, Inc.

interactives geophysics

BENTON HARBOR, Mich.

Among the report 's major observations:

The Pacific Ocean holds the most risk to life and property for
this kind of peril, as this region has the highest frequency
and greatest potential for destructive tsunami events.

disasters geophysics

interactives earthquakes

This year, Dow is an event-wide sponsor of the 22nd annual Jimmy Carter
Work Project, which brings the former president and his wife, Rosalynn,
together with thousands of volunteers across Michigan and Windsor, Ontario,
Canada, to build 230 homes for families in need . is the world's leading risk and
reinsurance specialist and a part of the Marsh + McLennan Companies ,
Inc.

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, Member NASD/SIPC.

earthquakes msnbc

About Habitat for Humanity International
Habitat for Humanity International, based in Americus, Ga.org

Guy Carpenter creates and executes reinsurance and risk
management solutions for clients worldwide through 2,600 professionals
across the globe.

preliminary disasters

"Having employees, customers and community presences in Thailand,
Malaysia, Indonesia and India, we acutely experience the magnitude of their
loss and pledge to provide solutions to improve their living conditions, both
in the immediate future and long term sustainability.
While the 2004 tsunami was one of the worst natural disasters on
record in terms of loss of life, overall insured and reinsured losses
are expected to be relatively minimal since most of the destruction
occurred in areas that were largely uninsured. The Pacific
Ocean alone faced 828 tsunamis -- over 200% more than every other
region combined -- for an average of nearly eight a year.

Copies of the report , Tsunami: Indian Ocean Event and
Investigation into Potential Global Risks, are available for download
at www.