The document summarizes the effects of a volcanic eruption in Armero, Colombia in 1985. The primary effect was the eruption itself, followed by lahars (mudflows) caused by melting ice, rocks, and trees from the volcano. The tertiary effect was economic and social devastation - over 20,000 people died in Armero, which had a population of 29,000 before the catastrophe, making it the second worst eruption of the 20th century. The consequences would have been less severe if people had known the hazard was coming and taken proper protective measures advised by scientists, rather than remaining in their homes.