Permafrost refers to the fact that the ground in high latitudes which is permanently frozen - that is, which does not defreeze in the summer. It does not defreeze because it is isolated by soil - this is the correct answer - from the warmer air, so it is actually not in touch with the positive temperatures.
Income is the money (annual earnings) that you make at your job, while wealth is what you own. Wealth is your net worth that includes the value of all of your assets minus your financial liabilities.
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