Questions

Any type of insurance, be it home, auto, life, health, etc. are based on a principle of division of risk.

Division of Risk :: This is based on how much risk the insurer estimates the insured's coverage to be. The riskier the opportunity (bad health, area the home is in) the higher the premium costs.

The P atom needs five orbitals to form the five P-Cl bonds. It has a 3s and three 3p orbitals, so it must use one of its 3d orbitals to form the fifth bond. These orbitals are hybridized to form five sp3d orbitals that just happen to point in the right directions to form a trigonal bipyramid.

Polar lights (aurora polaris) are a natural phenomenon found in both the northern and southern hemispheres that can be truly awe inspiring.

Northern lights are also called by their scientific name, aurora borealis, and

Southern lights are called aurora australis.

Of the two international ship canals, the Suez is more important than the Panama. Constructed over a period of 10 years according to a plan of the French Engineer  Ferdinand de Lesseps, the Suez Canal was opened as early as 1869.

An atom is the smallest particle of a substance. Chemical substances are divided into two major groups. They are

1. Pure Substances (and)

2. Mixtures.

There are two types of pure substances that are Elements and Compounds.

Elements : An element is a substance that is made up of only one kind of atoms and cannot be broken down into simpler substances by chemical means. Metals and Non- metals come under elements.

Examples of elements are Iron, Silver, Gold, Mercury etc.

Compounds : A Compound is a substance that is formed when two or more elements combine chemically.

Examples of compounds are Water, Carbon dioxide, methane, vinegar etc.

Mixtures : A Mixture is formed when two or more substances mixed together but not chemically combined.

Example: Air.