Ultra Violet rays or UV's cause the skin to burn in the sun.
Nope, this is false because there's always time for free time. You might not see it because your busy watching TV or out with friends or sitting on your phone! Its easier to fit this into your schedule if you plan ahead. Hope this is helpful:)
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The biome in which polar bears are found is very cold.
Answer: i’d say D. Permanent life insurance
Explanation: Homeowner’s insurance wouldn’t make too much sense since the daughter broke her arm and not anything concerning the house. Auto insurance is I think for cars so that wouldn’t work. The only reasonable one is d because something happened to her. I’m not too sure, but i think permanent life insurance has to do with someone’s life obviously. Hope that helps?
