Examlex
An umbrella policy is an inexpensive policy that provides financial protection only in the event of clearly defined major catastrophes such as hurricanes or earthquakes-events which are referred to in the insurance industry as "rainy days."
Temperate Deciduous Forests
Biomes characterized by four distinct seasons and deciduous trees which lose their leaves annually.
Growing Season
The period of the year during which climatic conditions are suitable for plants to grow.
Topsoil Horizon
The uppermost layer of soil, which contains organic material, minerals, and is crucial for plant growth.
Permafrost
Permanently frozen ground, usually occurring in the tundra, a biome of Arctic regions.
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