New Delhi, April 6 -- During a recent unseasonal bout of rainfall, a taxi driver lamented spontaneously as we drove through the downpour. He said his heart was breaking, for his entire crop in his village was washed out. This is the truth about climate change middle class urban folks don't always see. Several unseasonal rains have devastated wheat, mustard, cumin, onions and fruit crops in North India, Madhya Pradesh, Rajasthan and Maharashtra. This is how climate change is playing out on the ground. The challenge is, how to encourage farmers to continue their vital work even after a disastrous crop? The 2016 Pradhan Mantri Fasal Bima Yojna, designed to deliver insurance against these climate concerns, will play a key role in determining ho...