Feature: Nature Connection

Every decade brings new parenting challenges. For the modern-day parent, it’s the ‘screen time’ dilemma, complicated by the fact that these days, many schools offer coding and animation classes. While the future is waiting for no one, surely, good old nature will always be there, offering solace and welcome ‘unplugging.’ Slide Ranch, a nonprofit organization established in 1970, is now providing even more chances to do just that, with its new Farm-to-Table Teaching Center (FTTC).

Slide Ranch, located in Muir Beach, is offering schools, families and individuals opportunities to connect with Northern California’s agriculture, farm animals and natural resources. The center, which opened in late September, is, according to Executive Director Maika Llorens Gulati, a “state-of-the-art children’s eco-learning center and kitchen, the first of its kind of the Bay Area.”

Being the first new building on the ranch in 50 years, the teaching center features a commercial teaching kitchen, a deck overlooking the Pacific Ocean, a living roof designed by landscape architect Paul Kephart and fully accessible design.

“It significantly enhances and expands Slide Ranch’s unrivaled, nationally renowned environmental education and lifestyle programming,” Llorens Gulati says. “It’s groundbreaking and gorgeous.”

Designed by architect Mark Cavagnero, who also created the San Francisco Jazz Center and the Wilsey Center for Opera, the center is not about appearance alone.

“We have been planting kids in nature since 1970 and this center has been a dream for many of those years, and we are elated with the result,” Llorens Gulati says. “We’re excited to position Slide Ranch as an environmental education and lifestyle destination through programs and events that highlight the best of life in nature.”

In fact, she says, the Slide Ranch “punny” motto, ‘planting kids in nature,’ couldn’t be more accurate; the outdoor venue uses organic gardens and animals to teach an appreciation for healthy foods, healthy living and environmental awareness. “We give the kids a respite from modern childhood,” Llorens Gulati says.

“It’s now more important than ever to take care of environmental education,” Llorens Gulati, continues, on the importance of educating kids on environmental issues. “We give kids, 70 percent on scholarship from over 100 Bay Area organizations, their first view of the ocean, first sense of outdoor freedom, first taste of fresh vegetables, first milking of a goat, first night under the stars. Better for their health and mental well-being.”

The ranch currently sees about 10,000 visitors a year. Roughly one third are from Marin, one third are from San Francisco and the rest are from the East Bay. The scholarships are based on the need of each particular school or community group, according to Llorens Gulati. “In many cases we also have to offer support for transportation. We know that access to transportation is very limited in many cases and one of the main reasons of inequity for children to have access to nature,” she says. “These kids live right here in the Bay Area, and yet hiking, being with the animals and gardening are not experiences that these kiddos have access to. Many have had trauma and simply being outdoors is very restorative.”

With the new center, the ranch plans to expand its current curriculum to teach visitors where the food comes from, as well as different ways to cook in a healthy and sustainable way, the difference between industrial farming and local organic farms and how they affect the environment. 2018 will bring in Farm-to-Table events, cooking classes and other educational workshops with subjects that cover natural tie-dyeing, beekeeping at home, floral arrangements, composting, gardening at home and photography in nature. “Some of these activities will allow us to expand our scholarship opportunities to connect more children from low-income communities to nature,” Llorens Gulati says.

The Bay Area itself is a powerful teaching tool. “Our location tells the story and it allows us to offer a hands-on experience that is hard to find anywhere else with three components—our organic farm, the grasslands and the seashore ecosystem,” says Llorens Gulati. “For example, we can teach about our oceans down by our immaculate tidepools and use all our senses to experience that learning.”

Another bonus? Slide Ranch is only 30 minutes from the Presidio in San Francisco, which allows many groups to come and experience the best of nature without having to spend hours driving. “You are very close to the city and yet you feel you are in a different world,” she attests. “Our overnight camping is the secret jewel of Marin, right by the ocean where you see millions of stars and just hear waves and our occasional nocturnal friends passing by.”

In addition to kids’ education and open days for families to come visit and pet the occasional goat, the ranch is home to a Teachers-in-Residence program, focused on planning and leading experiential learning programs with children, youth and families, a summer camp and a chefs’ collective, which includes chefs from Bay Area standouts like flour + water, SPQR and State Bird Provisions.

One would think that the operation is run by dozens of dedicated employees.

“Slide Ranch currently has 10 staff members and seven teachers-in-residence, adding three more teachers-in-residence during the summer,” Llorens Gulati says. The demand, however, is big. “We receive over 150 applications each year for our Teachers-in-Residence program from all over the U.S. Our common denominator is a strong passion for the environment, education and equity, and to make a difference protecting our land and making connections with our planet and each other.”

As for those parents bringing their kids in? They’ve got something to learn, too.

“We can educate by example, by being good stewards and doing what we can to reduce our footprint,” Llorens Gulati says. “It really starts in our ecosystem, what we buy, packaging, how we cook and what we eat, reducing and recycling, maybe start with a little garden at home.

“I have to say in many cases our kids are now educating us about the importance of caring for our land and our oceans!” she continues. That’s exactly the outcome you dream of.

Slide Ranch, 2025 Shoreline Highway, Muir Beach; 415/381-6155; slideranch.org.

Hero & Zero: Trash Cleanup & Offensive Costumes

Hero: Trash in Marin’s waterways often starts as litter on our streets. When it rains, untreated refuse goes straight into the storm drain and out to the bay. Help stop the trash flow by connecting with Clean Marin, a coalition of anti-litter groups, and the Marin County Stormwater Pollution Prevention Program (MCSTOPPP) at the inaugural Trash Summit on Wednesday, November 1, at the Marin Center Exhibit Hall. “The event will provide valuable information and resources on how to join or start your own Clean Marin group,” says Rob Carson, program manager at MCSTOPPP. “Long-term, this is about inspiring all the people and groups to get involved in trash cleanup and work together to find solutions for our watershed.” To register for the free Trash Summit, visit tinyurl.com/cleanmarin.

Zero: If you’re searching for the most offensive Halloween costume, look no further. For around $15-$20 plus shipping, you can dress up your daughter as Holocaust victim Anne Frank. Halloweencostumes.com featured a girl model, with a smile on her face, wearing an outfit described as “WWII Anne Frank Girls Costume.” After public outrage, the company pulled it and apologized. Other sites, however, including Amazon, are still selling it pre-Halloween, promoting it as an Anne Frank costume for “Heroes in History day” at school or a World War II evacuee girl. Whatever. We’re flabbergasted that multiple companies missed the vulgarity of this product. Oh, by the way, Amazon is also hawking a Hitler mask, just in case white supremacists want to pair up the two costumes.

Free Will Astrology

ARIES (March 21-April 19): I share Vincent Van Gogh’s belief that “the best way to know life is to love many things.” But I also think that the next 12 months will be an inspiring time for you to be focused and single-minded in your involvement with love. That’s why I encourage you to take an approach articulated by the Russian mystic Anne Sophie Swetchine: “To love deeply in one direction makes us more loving in all others.” Halloween costume suggestion: A lover celebrating a sacred union to the love of your life, to God or Goddess, or to a symbol of your most sublime ideal.

TAURUS (April 20-May 20): “Yes! We Have No Bananas” is a silly novelty song that became a big hit in 1923. Its absurdity led to its wide use for humorous effect. For example, on the kids’ TV series The Muppet Show, puppets made out of fruits and vegetables sang parodies of the tune. That’s why I find it droll that the “No Bananas” songwriters stole part of the melody from the “Hallelujah Chorus,” the climax of classical composer George Handel’s religious oratorio Messiah. I’d love to see you engage in comparable transmutations, Taurus, making serious things amusing and vice versa. It’s a time when you can generate meaningful fun and playful progress through the art of reversal. Halloween costume suggestion: A tourist from Opposite Land or Bizarro World.

GEMINI (May 21-June 20): In the next two weeks, you may have to navigate your way through careless gossip, distorted “facts,” superficial theories, hidden agendas, fake news and official disinformation. To prevent problems in communication with people who matter, take advantage of the Halloween spirit in this way: Obtain a bicycle helmet and cover it with aluminum foil. Decorate it with an Ace of Clubs, a red rose, images of wrathful but benevolent superheroes and a sign that says “No Bullshit Allowed.” By wearing this crown, you should remain protected. If that’s too weird for you, do the next best thing: Vow to speak the whole truth and nothing but the truth, and ask to receive the whole truth and nothing but the truth.

CANCER (June 21-July 22): Watch out for a fake pizza-delivery driver who’s actually trying to issue you a legal summons. Be careful that you don’t glimpse a blood-red sky at dusk, in case it’s a prophetic sign that your cell phone will fall into a toilet sometime soon. Beware of the possibility that a large bird carrying a turtle to its nest accidentally drops its prey into a rain puddle near you, splashing mud on your fancy clothes. JUST KIDDING! All of the scenarios that I just described are stupid lies. The truth is, this should be one of the most worry-free times ever. You’re welcome, of course, to dream up a host of scary fantasies if you find that entertaining, but I guarantee that they’ll be illusory. Halloween costume suggestion: An indomitable warrior.

LEO (July 23-Aug. 22): What is the material object that you want most but don’t have? This is an object that would serve your soul’s highest purposes, although not necessarily your ego’s. Here’s another question: What evocative symbol might help keep you inspired to fulfill your dreams over the course of the next five years? I suggest that you choose one or both of those things to be the inspiration for your Halloween costume.

VIRGO (Aug. 23-Sept. 22): Did you get a chance to go to circus school when you were a kid? How about magic school? Or maybe detective school, time-travel school or superhero school? Probably none of the above, right? Much of your education revolved around what you HAD to learn rather than what would be fun to learn. I’m not saying that it was bad that you were compelled to study subjects that you felt ambivalent about. In the long run, it did you good. But now here’s some sweet news, Virgo: The next 10 months will be a favorable time to get trainings and teachings in what you YEARN to learn. Halloween costume suggestion: A student.

LIBRA (Sept. 23-Oct. 22): Now is an excellent phase in your cycle to scour bathrooms, scrub floors, shampoo carpets and wash windows. But the imminent future will be an even more favorable period to purify your motivations, tonify your emotions, purge your less-than-noble agendas, calm down your monkey mind and monkey heart, disinfect the moldy parts of your past and fact-check the stories that you tell about yourself. So which set of tasks should you focus on? It may be possible to make great strides on the second set as you carry out the first set. But if there’s not enough time and energy to do both, favor the second set. Halloween costume suggestion: A superhero who has wondrous cleaning powers; King Janitor or Queen Maid.

SCORPIO (Oct. 23-Nov. 21): “You never sing the same song twice,” said chanteuse Billie Holiday. “If you sing it with all the same phrasing and melody, you’re failing your art.” That’s an extreme statement, but I understand what she was driving at. Repeating yourself too much can be debilitating. That includes trying to draw inspiration from the same old sources that have worked in the past. I suggest that you avoid this behavior in the coming days. Raise Holiday’s approach to a universal principle. Fresh sources of inspiration are available! Halloween costume suggestion: A persona or character unlike any you’ve ever imagined yourself to be.

SAGITTARIUS (Nov. 22-Dec. 21): How can you enjoy the lavish thrills of rebirth later unless you die a little inside now? It’s the trickiest phase of your cycle, when your energies are best used to resolve and graduate from the unfinished business of the last 10 months. I suggest that you put the past to rest as best as you can. Don your funniest sad face and pay your last respects to the old ways and old days that you’ll soon be leaving behind. Keep in mind that beauty will ultimately emerge from decay. Halloween costume suggestion: The mythical phoenix, which burns itself down, then resurrects itself from its own ashes.

CAPRICORN (Dec. 22-Jan. 19): There are no such things as magic healings and miraculous redemptions and impossible breakthroughs. Right? Hard evidence provided by science precludes the existence of exotic help coming from spiritual realms. Right? Well, no. Not right. There is in fact another real world that overlaps the material world, and it operates according to different laws that are mostly imperceptible to our senses. But events in the other real world can have tangible effects in the material world. This is especially true for you right now. Take advantage! Seek practical answers and solutions in your dreams, meditations, visions and numinous encounters. Halloween costume suggestion: White-magic sorcerer or good witch.

AQUARIUS (Jan. 20-Feb. 18): Many years from now, in your last hours on Earth, you will have visions that show you how all of the events in your life were crucial to your life story. You will understand the lesson that was provided by each twist and turn of your destiny. Every piece of the gigantic puzzle will slip into place, revealing the truth of what your mission has been. And during that future climax, you may remember right now as a time when you got a long glimpse of the totality. Halloween costume suggestion: The happiest person on Earth; the sovereign of all you survey; the wise fool who understands yourself completely.

PISCES (Feb. 19-March 20): You might be able to pass for normal, but it will be better for your relationship with yourself if you don’t. You could try to tamp down your unusual urges and smooth your rough edges, but it will be smarter to regard those urges and edges as fertile raw material for your future happiness. Catch my drift? In the coming weeks, your main loyalty should be to your idiosyncratic intelligence. Halloween costume suggestion: The beautiful, interesting monster who lives in you.

Homework: Name your greatest unnecessary taboo and how you would violate it if it didn’t hurt anyone. Testify at FreeWillAstrology.com.

Advice Goddess

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Q: I’m a very envious person, though I don’t act on it (meaning I don’t try to mess things up for people who are doing well). Where does envy stem from? How can I get rid of it?—Begrudging Woman

A: You see a friend achieving some success and you say, “So happy for you. Well-deserved!”—which is a more polite way of saying, “I hope you are stricken with a rare deadly form of full-body adult acne.”

We think of envy as an ugly, counterproductive emotion, but it’s really just a tool, like a jackhammer or a blender. To understand this, it helps to understand that even emotions that make us feel crappy have a job to do—motivating us to act in ways that will help us survive and make a bunch of little buggers who’ll totter off through the generations, passing on our genes.

In other words, envy is adaptive. Envy is a form of social comparison that probably evolved to help us keep tabs on how well we’re doing relative to our rivals. As evolutionary social psychologist Abraham (“Bram”) Buunk and his colleagues explain, envy pushes us to dial up our game so we can “narrow the gap” between ourselves and “the superior other” (aka that annoying co-worker who likes to start sentences with, “Well, when I was at Harvard … ”).

Buunk and his team explain that there are actually two kinds of envy—malicious envy and benign envy. Each kind motivates people to try to shrink that “status gap” between themselves and others. The difference is in how. Benign envy pushes people to work harder in hopes of matching or beating the competition. Malicious envy is the nasty kind—the kind that motivates a person to loosen the ladder rungs, hoping to cause their golden-girl co-worker to topple to her (professional) death.

The upshot? Envy isn’t something to be ashamed of. You should just see that you use it in a positive way—as a tool for self-motivation instead of co-worker sabotage. However, getting ahead isn’t just a solo act; it’s often a cooperative endeavor. To decide when to cooperate and when to compete, consider the level of “scarcity.” When resources are scarce—like when there’s just one job available—go after it with everything you’ve got (within ethical boundaries, of course). But when the rewards aren’t limited, it’s good to be the sort of person who brings along other people. This tends to make others more likely to do nice things for you in return—even helping you get ahead … and without your hiring a hacker to reprogram Miss Fabulous’ computer so her screen saver is a pic of the boss with a Hitler mustache.

Q: My girlfriend’s wonderful. Unfortunately, whenever we have a disagreement, she shares it on social media. She feels she has a right to do that because it’s part of her life. Am I not entitled to a private life while I’m with her?—News Object

A: Some favor the social media approach to the “examined life,” Instagramming their medical records and crowdsourcing their flatulence problem. Others take a more guarded tack—encrypting everything … including their cat videos. The longing for privacy—keeping certain info about yourself from public consumption—is a very human thing, a desire that probably evolved out of our need to protect our reputation. In ancestral times, having a bad reputation could lead to a person being booted from their band and made to go it alone.

Contrary to your girlfriend’s notion that “relationship” is just another way of saying “two-person surveillance state,” you have a right to privacy. This is a fundamental human right, explained Louis Brandeis and Samuel Warren in the Harvard Law Review in 1890, and it comes out of our right to be left alone. So, yes, you are entitled to pick the “privacy settings” on your own life, because the information about your thoughts, emotions and romantic interactions belongs to you. Nobody gets to dispense that info publicly without your permission—even if this means that they have to keep part of their life (the part with you) under wraps.

To stop your girlfriend from turning your relationship into a giant data breach, trigger her sympathy—explaining how awful it feels to become infotainment for a bunch of strangers (and, worse, people you know). Better yet, help her feel it: “Honey … just imagine going on Twitter and finding your therapist’s new account: ‘Heard In Session.’”

This Week in the Pacific Sun

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This week in the Pacific Sun, our cover story, ‘Generous Spirit,’ highlights Marin nonprofits and others who offered support to North Bay fire victims. On top of that, we’ve got a piece on high-risk fire insurance, interviews with people behind the nonprofits Ceres Community Project and Jazz in the Neighborhood and a review of ‘Barbecue,’ now playing at the San Francisco Playhouse. All that and more on stands and online today!

Music: Giving Back

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When Mario Guarneri was just 13 years old, he played trumpet onstage in a concert with jazz legend Louis Armstrong. The life-changing experience, which he credits to his first teacher, led him to establish Jazz in the Neighborhood (JitN) in 2013, a Marin-based nonprofit that mentors young, aspiring jazz players.

JitN offers an Emerging Artists program that gives these young musicians opportunities to perform live at concerts, alongside professionals. Players are selected mainly through teacher recommendations from local schools, and perform at venues throughout the Bay Area.

“The reality is that in the tradition of the art form, mentoring has always been a really vital and essential part of the process,” Guarneri, 74, says. “You can learn more in 10 minutes on the bandstand than a whole semester in a classroom.”

Most local jazz players are paid very little, Guarneri says, and he believes that relying on tip jars is demeaning. So he created JitN’s Guaranteed Fair Wage Program (GFWF) to give performers “the dignity that they deserve.”

Most of JitN’s concerts are free, because Guarneri believes that giving back to the community is the best way to become part of it. Guarneri, who lives in Fairfax, teaches trumpet at the San Francisco Conservatory of Music and performs with two of his own jazz groups, has enjoyed a successful career in the music business, including 15 years with the Los Angeles Philharmonic, 10 years playing on TV and movie soundtracks and recording four CDs.

“For me, it’s a way of giving back for the great life that I’ve had in the music business,” he says of JitN. “There’s nothing better than being able to provide some really decently paid work for really great musicians.”

Jazz in the Neighborhood presents Jazz Caliente on Friday, Oct. 27 at Copperfield’s Books, 850 Fourth St., San Rafael; 415/524-2800; jazzintheneighborhood.org.

Theater: Black Satire

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In a brief but wide-ranging interview with @ THIS STAGE magazine in September, 2016, just prior to the opening of Barbecue at the Geffen Playhouse in Los Angeles, playwright Robert O’Hara aired his views on “conventional” theater, racism, TV reality shows, the general concept of artistic realism, Hollywood and the notion of American exceptionalism. That this gay black author looks at all of these with a jaundiced eye should come as no surprise to anyone familiar with his earlier work, but the arrival of Barbecue on the San Francisco Playhouse stage provides an excellent opportunity to judge how his forcefully expressed positions integrate in a very dark social satire.

Act 1 is divided into two extended scenes. In the first, O’Hara transports us to a rundown city park somewhere in middle America (nicely rendered by Scenic Designer Bill English), where the barbecue from which the play takes its name, takes place. There’s a realistic-looking grill on a pedestal and some desultory miming with tongs during the performance, but no actual food is ever present. Instead, we get razor-sharp volleys of dialogue among the O’Mallery clan as they await the arrival of an absent member named Barbara (Susi Damilano). Soon, it becomes clear that this isn’t an ordinary beer and burger family outing. Despite reservations by some, the majority, led by strong-willed Lillie Anne (Anne Darragh), decides that with her drug and alcohol dependency out of control, Barbara must be pressured into entering a rehabilitation  center—in Alaska, of all places!

If these were normal people acting under normal circumstances, this would seem to be a perfectly logical response. But the O’Mallery family is anything but normal. They’re archetypal trailer trash, and every last one of them has some kind of substance addiction that would qualify for rehab. This glaring contradiction is the basis for most of the comedy that surrounds their arguments. The result is absurd black satire at its best, beautifully performed by a talented acting ensemble.

After Barbara’s entry in the final minutes of the scene, O’Hara throws us a curve that displays his disdain for conventional play structure. With slight adjustments, the same characters are onstage—wearing the same clothes, answering to the same names, disputing the same issues—only this time they’re African-American and Barbara is being played by Margo Hall, the esteemed black actress who also directs the show. Their chatter is no longer the country-style locutions of white trash; it’s the jivey street jargon of the black community.

At first, the repetition, odd though it is, has its own rewards in the actors’ energy and colorfully expressed dialogue. As it dragged on over familiar territory, however, I found myself wondering about the playwright’s objective. Was he asking his viewers to compare the impact of the two versions? Was he making a point about African-American and white families facing similar problems? Or, was he simply solidifying his reputation as an iconoclast who refuses to be constrained by the generally accepted rules of the game?

Act 2 supplies the answer, though many may find it unconvincing. I won’t offer any details, but what I can say is that the substance and style are completely different—which accords with the author’s expressed desire to be consistently inconsistent as he reflects on a world in chaos. In that respect, at least, he is a worthy successor to the absurdist playwrights of the last century. It remains to be said that Act 2, which replaces black comedy with a heavy burden of personal philosophizing, is not nearly as entertaining as what preceded it, even when the repetition is factored in.

Returning to the interview in L.A. which began this review, when O’Hara was asked what he would like the Geffen audiences to take away from performances of Barbecue, his reply was that he wants them to “laugh until they choke.”

I am tempted to ask, “Then what?”

NOW PLAYING: Barbecue runs through November 11 at the San Francisco Playhouse, 450 Post St., San Francisco; 415/677-9596; sfplayhouse.org.

Food & Drink: With Love

This year, the Ceres Community Project celebrated 10 years of empowering teens, building community and nourishing critically ill folks. The Sebastopol-based nonprofit serves organic meals to around 150 families weekly throughout Sonoma and Marin counties. And when the recent fires started, the Ceres staff and volunteers sprang into action and began preparing meals for folks arriving in shelters.

“We all developed new skill sets that day,” says Communications Director Deborah Ramelli. “Before calls were even made, we had farmers, grocery stores and neighbors dropping off food—everyone wanted to help.”

The Ceres team developed simple menus, and on top of regular deliveries to sick clients, delivered and served 400 to 500 meals daily to various evacuation sites. It wasn’t just adults doing the heavy lifting—teens came from all kitchen sites (Sebastopol, Santa Rosa and San Rafael), and according to Ramelli, “the teen chefs were rock stars.”

What began with Ceres founder, Cathryn Couch, meeting in a church kitchen with six teens to prepare healthy meals for four families struggling with serious health issues, has become a community-based organization that has served more than 500,000 meals and counts love, generosity and compassion as deeply held values.

Because Ceres is so rooted in community, it was able to react quickly during the devastating fires. Before the national organizations were even on the ground, Ceres was there, nimbly doing what it does—nourishing and feeding communities with healthy food prepared with love.

To learn about volunteering in Marin, contact Li***@ce**********.org.

Upfront: Fair Questions

Homeowners insurance is not mandated by the state of California, but is a requirement for anyone who wants to get a home mortgage from a bank.

As the historic North Bay fires are brought under control, data coming out of the state insurance industry tells a tale of massive destruction: Nearly 5,500 residential losses, 601 commercial losses, up to 3,500 noncommercial auto losses and 39 boats burned up in the blazes that killed 43 and caused more than $3 billion in damage.

But there’s one fire-related statistic that’s interesting for its small size: 23.

That represents the number of people who have so far filed insurance claims through the California FAIR Plan (CFP), the fire insurer of last resort for those who can’t otherwise get a policy because they live in an area at high risk for wildfires.

As it now appears that high-density parts of Santa Rosa are at high risk for wildfires, what will that mean for the CFP moving forward and for homeowners insurance policies in places like devastated Coffey Park? Will those folks still be able to access the private homeowners insurance market? Will the CFP see a spike in participation as the state insurance industry also grapples with a “new normal” of potentially non-anomalous urban wildfires?

In places like Coffey Park, “we did not have much in the way of market share,” says Anneliese Jivan, president of the CFP. “Those neighborhoods were not considered high-risk brush or wildfire areas, so we weren’t writing there.”

“What I can tell you is that I can’t predict what is going to happen, but we will be there for whoever needs us,” Jivan says. “If the insurance industry, en masse—and I don’t think this will happen—says, ‘We won’t write it,’ we are going to be there, regardless of the number.”

Created in the aftermath of the 1968 Watts riots, the CFP is based in Los Angeles and was established by the California Legislature in response to inner-city businesses’ inability to secure insurance after those riots. It soon expanded to include insurance options for people in areas at high risk for wildfires, and 50 years after its inception, it may be more critical than ever.

The CFP essentially a privately run high-risk insurance pool that’s audited every three years by the state. It writes policies that are collectively underwritten by all insurance companies that do business in California.

That same insurance industry has been running away from fire policies almost as fast as Coffey Park residents ran from their blazing homes—a phenomenon highlighted in the fallout from the 2015 Valley fire in Lake County, says a consumer advocate.

“Before this catastrophe, our organization had been involved with people in certain parts of the state who’ve been dropped or had their rates go up a lot,” says Amy Bach, executive director of United Policyholders, a consumer advocacy group based in San Francisco.

“We’ve been worrying about this and the [State] Department of Insurance has been worrying,” adds Bach. “Things were a little scary before this—meaning insurers were starting to get the heebie-jeebies about staying in the fire insurance market in California, and you can’t blame them, right?”

Homeowners insurance is not mandated by the state but is a requirement for anyone who wants to get a home mortgage from a bank. The CFP won’t deny anyone in a once or future high-risk area, says Jivan.

In the aftermath of the devastating Valley fire, access to the CFP was tweaked to ease access for consumers now faced with an industry in retreat from writing fire policies.

“We went to the [state] insurance commissioner,” says Jivan, “and said, ‘Look, we’re making it hard to let people come in, because three companies would have to have denied them coverage.’ We just made it easier to come to us if they need us.”

The coverage offered by the CFP isn’t as comprehensive as one would find in the private market, says Bach.  

“The coverage is basic,” she says, while also crediting the state for creating the program and expanding it. The insurance offers two separate tiers of coverage, one more comprehensive than
the other.

“Generally speaking,” says Bach, “you don’t want to be in the FAIR Plan unless you don’t have a choice.”

The CFP covers up to $1.5 million in losses at a single residential location, according to online resources. Bach expects that in places like Coffey Park, homeowners will likely experience an increase in their insurance rates, regardless of any new official high-risk designation that may come from state fire officials or insurance actuarians.

Before the fire, says Bach, “their home insurance was probably quite affordable, relatively speaking, and people were paying between $800 and $1,200 a year for their home insurance. I think we are going to see some changes in the market. The days of people paying under $1,000 for fire insurance in California I think are numbered. That is certainly where insurance companies have been saying they are headed.”

A report in the online Insurance Journal that appeared while first responders were still plunging into the variously horrible infernos that broke out across three counties on October 8, reported that a hazard-risk analysis undertaken by the Irvine-based analytics firm CoreLogic, found that 172,117 homes “with a combined reconstruction cost value of more than $65 billion are at some level of risk from the wildfires in the Napa and Santa Rosa metropolitan areas alone.”

That’s a lot of newly identified risk—but consumer advocates say the insurance industry can absorb it.

“As big as the fire was,” says Bach, “it’s still a drop in the bucket in terms of the number of policies that they have in force in the state. They should be fine, and these fires shouldn’t prevent them from doing business in the state. We’ll see some reduced competition, some reduced availability and some increased pricing,” she adds.

Mark Sektnan, president of the Association of California Insurance Companies, a Sacramento-based company that lobbies for the insurance industry, says time will reveal how fire insurance plays out in places like Coffey Park. “At this point, it’s too early to really anticipate what companies may or may not do in the aftermath of the North Bay firestorm,” Sektnan says. “I would anticipate there would still be availability,” he says, noting that some insurers may leave the fire insurance market while others may choose to take on more risk.

In the meantime, insurance agents have deployed throughout the region and have already started cutting expense checks for people who will be displaced for many months as their homes are rebuilt. A 2003 reform to the state insurance code now requires that insurers provide up to two years’ worth of expenses to the displaced; other state laws forbid insurance companies from dropping customers for a year after a disaster is declared. That reform was of great help to Lake County fire victims, says Setknan, who notes that one lesson in these cataclysmic fires is that “the cleanup takes forever. Nothing can happen until that happens, and the cleanup is not driven by the insurance industry.”

Consumers are also protected by insurance reforms implemented by Proposition 103 in 1988 that prevents the industry from engaging in price gouging, says Nancy Kincaid, press secretary with the California Department of Insurance.

“[Proposition] 103 mandates that rates are fair and justified,” she says. When the industry models losses in a rare “anomaly” event such as the North Bay fires, and scopes out the losses over a two- or three-year period, she says, the industry can’t justify a spike in insurance rates to address anticipated losses—they can raise it “maybe 5 percent.”

But how does this storyline change if what was once rendered a rare anomaly by the insurance industry is now the norm?

Jivan says fire-modeling methods that created the “previously defined high [risk for] brush-fire areas won’t work anymore. It is my opinion that this will be a big wake-up call.”

Feature: Generous Spirit

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“You’re going on a boat in Cambodia and you’re paddling out; you can stand on top of a giant skyscraper and look down; dinosaurs come out and chase you if you’re adventurous,” says John MacLeod, director of Virtual Augmented Reality (VAR) Libraries, under a smoky peach sky at the Marin Center.

It’s Friday, October 13, five days after the deadliest fires in California history began ravaging the North Bay. MacLeod is on his way to set up a virtual reality station for the hundreds of children and adults who have been evacuated from their homes in Sonoma and Napa counties, and find themselves at the temporary evacuation center.

“We’re just trying to get people to step outside themselves, and be able to relax a little bit,” MacLeod says, before passing long tables overflowing with colorful, donated clothes of all different sizes, and stacks of bottled water.

MacLeod is one of thousands of people in Marin, from nonprofits and the general public, who have come together to donate time, food, clothing, art, yoga, meditation, money, gift cards and more to neighbors in need.

“This community has truly come out in droves with incredible generosity and support for these people,” says Libby Garrison, marketing and communications manager for Marin County’s Department of Cultural Services, noting that on Monday, the first day of operation, the Marin Center sheltered 525 people. And according to the Center for Volunteer & Nonprofit Leadership (CVNL), a Marin-based nonprofit that was activated as an Emergency Volunteer Center (EVC), around 12,000 people had signed up within the week to volunteer.

“There was a lady on the first day that people were here that donated $1,000,” Garrison says. “She went to Target and bought $1,000 worth of socks and underwear and just dropped them off.”

Another woman, Garrison says, came up to her and said, “I can teach a zumba class in a heartbeat.”

There was such an outpouring of support, in fact, that organizers were forced to put a cap on donations. A handwritten poster at the entrance reads, “Thank you … donations closed—at capacity.” Another larger, digital sign on the side of the road flashes with the message, ‘No Donations Accepted.’

The Marin County Free Library Bookmobile, offering books and other reading materials is parked out front, along with the Flagship, a “preschool on wheels.”

“We’ve started to provide some physical activities like hula hoops and Nerf balls,” says Damon Hill, interim deputy director for the Marin County Free Library. “Anything to do to kind of just relieve the pressure of the day.”

Inside the shelter, a children’s activities room features hands-on art projects, and story time with the San Rafael Public Library. A young boy pushes a plastic yellow truck around a plastic house; in the hallway, a man cradles a small, blanketed child on his chest and checks a map taped to the wall that illustrates areas where fires are still burning. In the exhibit hall to the right, hundreds of American Red Cross cots are lined up side-by-side under hanging loops of white Christmas lights; small suitcases full of personal items are tucked underneath.

A medical clinic staffed by the Marin County Medical Reserve Core and the San Francisco-Marin Medical Society provides nurses and doctors for 24-hour coverage, and counselors are also on hand. A room has been set up where evacuees can sleep with their pets, and according to Lisa Bloch, of Marin Humane, close to 400 pets—including dogs, cats, birds, turkeys, rabbits, reptiles and fish—of evacuees were boarded for free at the nonprofit; more than 200 Marin Humane volunteers were helping with efforts to look after them.

“We are housing several hundred evacuees here, but since our role for the county is cultural services, we wanted to make sure that our guests are housed and fed and safe, but also entertained,” Garrison says. “And we have had incredible support from our cultural

Donated clothes were piled high at the Marin Center, which transformed on Monday, October 9 from an events space to a temporary shelter for hundreds of North Bay fire evacuees.

community, who have stepped up and sent musicians, and art teachers and yoga teachers and meditation teachers, so it’s really been a nice, positive spin on what is such a tragedy—that our community here in Marin and the Bay Area from the cultural side, is really stepping up.”

The hope, Garrison says, is to make the place where so many people have fled, due to the unfortunate circumstances, not just an evacuation center, but a place where they feel comfortable. “And I believe art and music helps in the healing process, and I think that we want to provide that for everybody.”

Bread & Roses, a Marin nonprofit that provides free live music and entertainment to people in places that include hospitals, homeless shelters, detention facilities and more, realized that they might be able to boost morale among fire victims at the shelter, so put the word out to their long list of volunteer performers. The response was huge, and over three days, the organization provided evacuees with multiple professional musicians and children’s performers.

“It was just great to hear the peals of laughter from the kids,” says Marian Hubler, Bread & Roses communications manager/producer, describing Tyler Parks’ Circus of Smiles performance for nearly 40 kids and their parents. “They were transported to a different place during that time.”

Among others who donated time and resources were the San Rafael Public Library, The Bay Area Discovery Museum, the Marin Symphony, Music with Megan and more.

“It’s really amazing to see what people are willing to do,” Garrison says of the inspiring outpouring. The Marin Center was just one of many shelters set up in Marin to help evacuees, and more than 900 hosts on Airbnb have opened their homes in the region, for free, to displaced neighbors and relief workers. Meanwhile, multiple Marin restaurants continue to donate a percentage of proceeds to fire relief efforts, and music venues continue to host benefit concerts.

As Sonoma and Napa residents return north to begin to rebuild their lives, reverberating throughout Marin is the mentality that “the love in the air is thicker than the smoke.”

Art from local schools that adorned the walls of the Marin Center shelter, before all evacuees had left on Sunday, Oct. 15, expressed the following words of hope:

Difficult roads lead to beautiful destinations.

Remember,

You are never alone. Never forget that you are loved. Never doubt that someone surely cares about you.

***

To learn more about some of the Marin nonprofits that offered support, and to see how you can continue to help, visit marinhumane.org, cvnl.org, breadandroses.org and redcross.org.

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