Keratinocytes have a photoreceptor protein that detects UV light and is responsible for forming and positioning:  

Which form of ultraviolet light that strikes the Earth is primarily responsible for sunburn and contributes significantly to skin cancer?

All humans have roughly the same number of melanocytes in their skin and hair. The differences in skin color are the result of variation in the: Mark all that apply.  

At any given time, 85-90% of your scalp hairs are in the _______ phase of the hair growth cycle.

Vellus hairs are thinner because, unlike terminal hair, they lack a:

While Mary is eating lunch at McDonald’s, her car is stolen.  

John and Mary Johnson have a Personal Auto Policy (PAP) identical to the one in your textbook.  They have purchased the following: Coverage A=$250000/50000/100000; Coverage B=$5000; Coverage C=$300,000.  Each of their vehicles is covered for physical damage.  The collision deductible is $250 and the other-than-collision deductible is $200.  Choose the answer that BEST describes the coverage that John and Mary would have under their PAP for each scenario described. For each of the following scenarios, indicate 1) whether or not the loss is covered, 2) the support for that determination, and 3) if covered, the amount that the insurer will pay.  For example, Mary is using her car and hits a pedestrian 1) Not Covered 2) Excluded under Part A 3) $0

John is struck by a hit-and-run vehicle while walking on the sidewalk near his home.  He suffers $5000 in bodily injuries

Larry has $25,000 of bodily injury liability coverage under his PAP. This limit is the minimum amount required by his state to be considered financially responsible. While on vacation, Larry visited a neighboring state which has a minimum financial responsibility limit of $50,000 for bodily injury. Which of the following statements describes the situation for Larry while he was in the neighboring state?  

Jack and Jill Hill have insured their home for $100,000 under a HO-3 (Homeowners 3) policy that is identical to the policy that you have received.  The policy has no endorsements.  Choose the answer that BEST describes the coverage the Hills would have under their HO-3 for each scenario described.