The Trade Winds bring steady sea breezes in to the Caribbean from the northeast year-round, which temper the heat of the sun's rays.

high humidy in tropics keeps temperatures warm at night & low-humidity environments like deserts experience wide daily temperature swings.

One who calculates insurance and annuity premiums, reserves and dividends.

It's a person whose occupation is to determine the odds of an event, (death, flood, etc.,) for insurance purposes.