An insurance company is doing research on weather hazards to determine the cost of damages due to different types of hazards. As their advisor, you must decide which of the following event choices are classified as long-term effects.



I) Extinction of a species of frog due to drought.
II) Road blocked due to a snowstorm.
III) Short supply of water and bread due to people storing up before a major storm.
IV) Destruction of a bridge during a hurricane.