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Downloadable computer software for collecting, analyzing and organizing data for use in the fields of environmental conditions, environmental and geographical planning, and climate change; downloadable computer software for compiling scientific information and data in the fields of environmental conditions, environmental and geographical planning, and climate change; downloadable computer software for scientific risk assessment in the fields of environmental conditions, environmental and geographical planning, and climate change; downloadable computer software for collecting, analyzing and organizing data for use in environmental assessments and environmental hazard assessments; downloadable computer software for collecting, analyzing and organizing data for use in environmental monitoring; downloadable computer software for data collection and analysis for scientific analysis and research in the fields of environmental conditions, environmental and geographical planning, and climate change; downloadable risk detection software for accessing weather and climate data, trend visualizations, forecasts, analytics, risk mitigation and modelling of weather and climate trends; downloadable data processing software for predicting, analysing, forecasting, visualizing, mapping and modelling weather and climate change and the impacts of the foregoing on assets, insurance, investments and business risk management