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Lending finance september, a group of banks is hoping to create a new type of financial institution known as a «public investment bank,» or PIB, that would help spur economic growth and provide affordable credit to low-income communities.

The first PIB would be based in Detroit, where the city’s biggest banks, including General Motors, are headquartered, along with UAW Local 614. But PIBs are increasingly being envisioned as a way to fill a gap in the bank industry.

A consortium led by Barclays has entered into a $40 billion deal with Bank of America and the government of Argentina to buy several PIBs, including Bank of the West, Bank of Montreal, Credit Suisse, Royal Bank of Canada, and National Bank of Canada (which merged with Societe Generale).

«We want to make sure that our banks are in place to support our economy,» said U.S. Bank President Jamie Dimon.

«We expect to start work in about a month. At some point, we’ll make a presentation to our CEOs and say: ‘Here are our numbers on what we’re creating,'» he said.

Dimon also said the group plans to consider the possibility of bringing back a «private loan guarantee» — a program developed at the end of the late 19th century that insured against a lot of mortgage defaults.

«This is not a private loan guarantee. It’s really a private bank guarantee,» he said. «It allows a customer to take on a substantial amount of debt without the threat of default and risk of loss of money.»

Dimon said Bank of America and the UAW are making an all-or-nothing commitment to make sure the U.S. remains a safe-haven financial center that attracts investment.

Maca forecast in the National Weather Service Forecast Center. (Photo: NOAA/NWS) Story Highlights Sea surface temperature is forecast to be 2°F warmer by 2100 than it was 10 years ago, as the world warms and temperatures continue to rise in the ocean

Sea ice is forecast to increase 10-fold by 2100

New research predicts the world’s oceans are more acidic than expected.

Satellite-based technology allows users to analyze the Earth’s health in a «quantitative way,» while computer models provide useful insights for governments and businesses

CHICAGO — If global temperature rises at the speed of a tsunami, the most expensive disaster to avoid would not be the damage to homes and businesses, but simply the loss of millions of lives.

The answer is easy: We have to slow global warming. That’s a lesson learned in the last few months that’s been put into practice by scientists around the globe: The global temperature increase over the past half century has been a runaway runaway, causing the oceans to become more acidic, raising sea levels by three feet — equivalent to four feet if all the human-made CO2 emissions are added together.

On Jan. 17, an unusually wet, cold and cold January morning helped scientists set in motion a new research program called «Oceans Acidification» with the focus on reducing ocean acidity and reducing sea-level rise. At the same time, some 300 scientists from over 150 countries, most working for the International Union for the Conservation of Nature, have been leading international meetings around the world to develop an integrated approach to reducing the impact of acidification.

«One of the key challenges is the sheer scale of the problem,» said Richard Reisman, the president of the IUCN (United Nations Environment Programme) and a key author of the report. «That scale is unprecedented in oceanic chemistry. … What’s happened to the climate system is a huge and very long-term problem, and it’s going to take time and hard work to really solve it.»

It’s not just the rising ocean in the western Pacific and in the North Atlantic Ocean that is a threat. This is another issue that we just had the opportunity to learn a lot about.

That acidification is coming on the West Coast is already happening — even though we can’t directly monitor the impacts from the current warm-up phase of the El Niño phenomenon. Sea surface temperatures are rising in the eastern Pacific, with the Northern Hemisphere warmer than normal, and in the Eastern United States. But because the Pacific Ocean also gets heat from the atmosphere, it is already seeing a buildup of acid-base levels in the water. As the oceans acidify, that ocean is going to be especially affected by huma

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