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When a credited forest burns, its carbon returns on top of the fossil emissions it was meant to offset - a double hit. Temporary forest storage is a poor match for permanent fossil CO2, and no buffer pool can fix that duration mismatch.

Over 50% of Opal Mountain already burned, with a likely termination costing the buffer pool 500,000+ credits. Your work keeps showing fire losses outpacing that insurance. Open question: at what point does the buffer pool go insolvent?