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Redlining occurs when institutions decline to make mortgage loans in specific areas. The practice originated in the 1930s, when federal agencies encouraged lenders to rate neighbourhoods for mortgage risk. Since the 1960s, especially in the US, it has been associated with disinvestment, racial discrimination and neighbourhood decline. It has always been viewed as a feature of the inner city. Historical evidence indicates that across Canada the first areas to be redlined were the less-desirable suburbs. Land registry and property assessment data establish the emergent patterns in Hamilton, Ontario. Between 1931 and 1951, institutional lending became a social norm first on new dwellings in suburbs. Individual lenders, previously dominant, were relegated to older inner-city properties or cheaper dwellings in less-desirable suburbs. In 1931, there were only minor geographical variations in the incidence of mortgage finance, and specifically of institutional financing, across the urban area. By 1951, lending institutions, led by insurance companies, were discriminating sharply in favour of the West End, the Mountain and Bartonville, and against those parts of the East End that were unserviced or close to lakefront industry. The evidence for Hamilton confirms that in Canada redlining originated in the suburbs. The same may also be true for US metropolitan areas, although the institutional context was different and relevant data are lacking.

A physiographical space‐based kriging method is proposed for regional flood frequency estimation. The methodology relies on the construction of a continuous physiographical space using physiographical and meteorological characteristics of gauging stations and the use of multivariate analysis techniques. Two multivariate analysis methods were tested: canonical correlation analysis (CCA) and principal components analysis. Ordinary kriging, a geostatistical technique, was then used to interpolate flow quantiles through the physiographical space. Data from 151 gauging stations across the southern part of the province of Quebec, Canada, were used to illustrate this approach. In order to evaluate the performance of the proposed method, two validation techniques, cross validation and split‐sample validation, were applied to estimate flood quantiles corresponding to the 10, 50, and 100 year return periods. Results of the proposed method were compared to those produced by a traditional regional estimation method using the canonical correlation analysis. The proposed method yielded satisfactory results. It allowed, for instance, for estimating the 10 year return period specific flow with a coefficient of determination of up to 0.78. However, this performance decreases with the increase in the quantile return period. Results also showed that the proposed method works better when the physiographical space is defined using canonical correlation analysis. It is shown that kriging in the CCA physiographical space yields results as precise as the traditional estimation method, with a fraction of the effort and the computation time.

Abstract. The potential impact of future climate change on runoff generation processes in two southern British Columbia catchments was explored using the Canadian Centre for Climate Modelling Analysis General Circulation Model (CGCMa1) to estimate future changes in precipitation, temperature and cloud cover while the U.B.C. Watershed Model was used to simulate discharges and quantify the separate runoff components, i.e. rainfall, snowmelt, glacier melt and groundwater. Changes, not only in precipitation and temperature but also in the spatial distribution of precipitation with elevation, cloud cover, glacier extension, altitude distribution of vegetation, vegetation biomass production and plant physiology were considered. The future climate of the catchments would be wetter and warmer than the present. In the maritime rain-fed catchment of the Upper Campbell, runoff from rainfall is the most significant source of flow for present and future climatic conditions in the autumn and winter whereas runoff from groundwater generates the flow in spring and summer, especially for the future climate scenario. The total runoff, under the future climatic conditions, would increase in the autumn and winter and decrease in spring and summer. In contrast, in the interior snow-covered Illecillewaet catchment, groundwater is the most significant runoff generation mechanism in the autumn and winter although, at present, significant flow is generated from snowmelt in spring and from glacier runoff in summer. In the future scenario, the contribution to flow from snowmelt would increase in winter and diminish in spring while the runoff from the glacier would remain unchanged; groundwater would then become the most significant source of runoff, which would peak earlier in the season. Keywords: climatic change, hydrological simulation, rainfall, snowmelt, runoff processes

The causes of peak flows in two climatically different mountainous-forested basins of British Columbia have been identified. The U.B.C. watershed model was used to identify the causes of peak flows, since this model separately calculates the runoff components, i.e. rainfall, snowmelt and glacier runoff. The results showed that the flood flows in the maritime basin of Upper Campbell are mainly generated by rainfall during the fall months and winter rain-on-snow events. Rainfall runoff constitutes the largest percentage of peak flow for all types of events. On the other hand, the flood flows in the inland basin of Illecillewaet are mainly produced by spring rain and snowmelt events, snowmelt events alone and summer events when runoff from the glacier melt contributes to peak discharge. However, snowmelt runoff is the dominant component of peak flows. Based on these findings, flood frequency analysis showed that considering the flow component frequency distributions marginally improves the probability distribution flows in the two examined watersheds.

A four-dimensional variational data assimilation (4DVAR) scheme has recently been implemented in the medium-range weather forecast system of the Meteorological Service of Canada (MSC). The new scheme is now composed of several additional and improved features as compared with the three-dimensional variational data assimilation (3DVAR): the first guess at the appropriate time from the full-resolution model trajectory is used to calculate the misfit to the observations; the tangent linear of the forecast model and its adjoint are employed to propagate the analysis increment and the gradient of the cost function over the 6-h assimilation window; a comprehensive set of simplified physical parameterizations is used during the final minimization process; and the number of frequently reported data, in particular satellite data, has substantially increased. The impact of these 4DVAR components on the forecast skill is reported in this article. This is achieved by comparing data assimilation configurations that range in complexity from the former 3DVAR with the implemented 4DVAR over a 1-month period. It is shown that the implementation of the tangent-linear model and its adjoint as well as the increased number of observations are the two features of the new 4DVAR that contribute the most to the forecast improvement. All the other components provide marginal though positive impact. 4DVAR does not improve the medium-range forecast of tropical storms in general and tends to amplify the existing, too early extratropical transition often observed in the MSC global forecast system with 3DVAR. It is shown that this recurrent problem is, however, more sensitive to the forecast model than the data assimilation scheme employed in this system. Finally, the impact of using a shorter cutoff time for the reception of observations, as the one used in the operational context for the 0000 and 1200 UTC forecasts, is more detrimental with 4DVAR. This result indicates that 4DVAR is more sensitive to observations at the end of the assimilation window than 3DVAR.

On 15 March 2005, the Meteorological Service of Canada (MSC) proceeded to the implementation of a four-dimensional variational data assimilation (4DVAR) system, which led to significant improvements in the quality of global forecasts. This paper describes the different elements of MSC’s 4DVAR assimilation system, discusses some issues encountered during the development, and reports on the overall results from the 4DVAR implementation tests. The 4DVAR system adopted an incremental approach with two outer iterations. The simplified model used in the minimization has a horizontal resolution of 170 km and its simplified physics includes vertical diffusion, surface drag, orographic blocking, stratiform condensation, and convection. One important element of the design is its modularity, which has permitted continued progress on the three-dimensional variational data assimilation (3DVAR) component (e.g., addition of new observation types) and the model (e.g., computational and numerical changes). This paper discusses some numerical problems that occur in the vicinity of the Poles where the semi-Lagrangian scheme becomes unstable when there is a simultaneous occurrence of converging meridians and strong wind gradients. These could be removed by filtering the winds in the zonal direction before they are used to estimate the upstream position in the semi-Lagrangian scheme. The results show improvements in all aspects of the forecasts over all regions. The impact is particularly significant in the Southern Hemisphere where 4DVAR is able to extract more information from satellite data. In the Northern Hemisphere, 4DVAR accepts more asynoptic data, in particular coming from profilers and aircrafts. The impact noted is also positive and the short-term forecasts are particularly improved over the west coast of North America. Finally, the dynamical consistency of the 4DVAR global analyses leads to a significant impact on regional forecasts. Experimentation has shown that regional forecasts initiated directly from a 4DVAR global analysis are improved with respect to the regional forecasts resulting from the regional 3DVAR analysis.

Semantic Scholar extracted view of "CLIMATE VARIABILITY AND CHANGE IN CANADA" by E. Barrow et al.

Rivers are sensitive to natural climate change as well as to human impacts such as flow modification and land-use change. Climate change could cause changes to precipitation amounts, the intensity of cyclonic storms, the proportion of precipitation falling as rain, glacier mass balance, and the extent of permafrost; all of which affect the hydrology and morphology of river systems. Changes to the frequency and magnitude of flood flows present the greatest threat. Historically, wetter periods are associated with significantly higher flood frequency and magnitude. These effects are reduced in drainage basins with large lakes or glacier storage. Alluvial rivers with fine-grained sediments are most sensitive, but all rivers will respond, except those flowing through resistant bedrock. The consequences of changes in flow include changes in channel dimensions, gradient, channel pattern, sedimentation, bank erosion rates, and channel migration rates. The most sensitive and vulnerable regions are in southern Canada, particularly those regions at risk of substantial increases in rainfall intensity and duration. In northern rivers, thawing of permafrost and changes to river-ice conditions are important concerns. The type and magnitude of effects will be different between regions, as well as between small and large river basins. Time scales of change will range from years to centuries. These changes will affect the use that we make of rivers and their floodplains, and may require mitigative measures. Radical change is also possible. Climatic impacts will be ubiquitous and will be in addition to existing and future direct human impact on streamflow and rivers.