'Unemployment Insurance' A source of income for workers who have lost their jobs through no fault of their own. Workers who quit or are fired are generally not eligible for unemployment insurance.
Completely:
Australia
Antarctica
Partially:
South America (most of the continet)
Africa (a little less than half of Africa lies south of the Equator
Asia (just a few Islands in Indonesia, most of Asia is north of the equator)
Immigrants in cities usually live in ethnic enclaves.
Explanation:
Ethnic enclaves were mainly created by the immigrants for a purpose, they mainly tried to preserve the cultural identities. The neighborhoods that was mainly created by the immigrants provided huge support to their language, specially the new people who wanted to speak the native language or the people who were learning English still.
Mainly the chain migration helped in creation of ethnic enclaves, so that people of that culture can migrate to that spot where other people are staying.