HIV or Human Immunodeficiency Virus is a viral infection, which directly attacks Leukocytes (white blood cells). Leukocytes are the cells responsible for fighting infections that break past the skin. If the infection is not controlled it can cause a range of disorder's which form a syndrome called AIDS or Acquired Immunodeficiency Disorder Syndrome. When this happen common infection for such thing as a common cold can turn lethal as the body is unable to fight pathogen's effectively.
I think it's called infectious agent or something close to that.
Naomi has a very high deductible and an HSA. Naomi most likely has a low premium
A persons ability to transport oxygen to the body.
2. improves the health of your muscles and I would think 1. considered exercise but the part with some of the time throws me off