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What is one major key to adapting to climate change in the Golden State? It could be access to homeowners insurance in the event of wild fire. The California Report looks into what one observer is calling our current \\u201cinsurance calamity.\\u201d As KVMR prepares for its 45th birthday, Julia Ggem gets a personal view of David Osborn and Charles Woods from two people who were there as the pair helped to transform Nevada City. We end with an essay by Molly Fisk.