Global warming will effect both the environment and human life. These effects will include a rise in sea level, impacts on agriculture, reductions in the ozone layer, an increased intensity and frequency of extreme weather events, and the spread of disease. An increasing global temperature will change the ecosystem, which will have an impact on certain species. They may be forced out of their habitats into extinction. Global warming also causes the glaciers to melt. Melting glaciers are a reliable source of water for China, India, and much of Asia. The total melting of glaciers could cause much of the world to run out of water. Global warming could also affect the thermohaline circulation, triggering a cool down in the North Atlantic region. This cool down would affect areas like Scandinavia and Britain, which are warmed by the North Atlantic drift. A rise in sea level could also create a significant number of refugees, as some of the densely populated coastal plains would be uninhabitable. A significant rise in sea level would affect almost every coastal city in the world. Rising temperature could also bring on an increasing amount of diseases, such as malaria and bluetongue disease, as the vectors for these diseases would be extended. There are also financial effects that will occur as a result of global warming. The worlds two largest insurance companies have predicted that the increased frequency of severe climatic events will cost the almost 150 billion US dollars a year in the next decade.