Lloyd’s of London is not alone. Financial institutions are retreating from investing in or insuring fossil fuel ventures. The stated reasons are the desire to be part of a more sustainable future. The firms may also recognize or perceive a long-term risk in old technologies. Public image may also encourage them to be seen as part of clean and green. Each institution probably has more than one reason to switch from the fossil fuel past to a renewable future, some altruistic, some financial, some strategic. Regardless of the inspiration, such retreats increase the cost of fossil fuels, and decrease the cost of renewable alternatives because they affect the cost and availability of borrowing money and insuring projects. The two cost/profit spirals may accelerate in opposite directions.