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.

When a cell undergoes meiosis process, it produces 4 haploid cells as a result.

Fermentation is the chemical breakdown of a substance by bacteria, yeasts, or other microorganisms, typically involving effervescence and the giving off of heat.

The two most common types of fermentation are

(1) alcoholic fermentation (and) 

(2) lactic acid fermentation.

(1) Alcoholic fermentation : the type of fermentation in which ethyl alcohol is the main end product .This is very common in yeast (unicellular fungus) and also seen in some bacteria. Yeast cells release enzymes called zymase complex which bring about the fermentation. The reactions are similar to anaerobic respiration.

(2) Lactic acid fermentation : The type of fermentation in which lactic acid is the end product.

It is carried out by some bacteria (e.g. lactic acid bacteria), and also by animals (muscle glycolysis in animals, under oxygen deficiency, results in the formation of lactic acid this is whay we experience in muscle cramps, or "Charley horse").

The word politics determines who will benefit from, and who will pay for, public policies.

Ozone layer depletion is one of the most serious problems faced by our planet earth. Substances that Deplete the Ozone Layer (ODS) emission are responsible for ultraviolet radiations from the sun break them to release chlorine (from CFCs) and bromine (from methyl bromide and halons).