The frequency and intensity of natural disasters—such as wildfires, hurricanes, floods, and storms—is on the rise, threatening our way of life and our livelihoods. Managing this growing risk will be central to economic and social progress in the coming decades. Insurance, an often confusing and unpopular tool, will be critical to successfully emerging from the effects of these crises. Its traditional role is to protect us from unforeseen

"A thriller with lots of southwestern atmosphere and a puzzler of a plot that's calculated to keep a reader guessing through the last chapter." –Thomas Perry, New York Times bestselling author

Chicago insurance investigator Dan Mahoney is sent to the prosperous Double Horseshoe Ranch in southern New Mexico to investigate the deaths of several prized—and well-insured—cattle. The stakes are high, and Dan hasn't counted on