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The Consumer Financial Protection Bureau was created with the oversight authority necessary to ensure that
Direct Sunlight
Sunlight that reaches the Earth's surface without being diffused or scattered, providing maximum light and warmth.
Emergent Layer
The topmost layer of vegetation in a rainforest, consisting of the tallest trees that rise above the forest canopy.
Understory
The layer of vegetation in a forest that grows at a lower height than the forest canopy, consisting of small trees, shrubs, and groundcover plants.
Tropical Desert
A hot, dry biome found near the equator, characterized by sparse rainfall, extreme temperatures, and limited vegetation and wildlife.
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