Industrial stormwaterIndustrial stormwater is runoff from precipitation (rain, snow, sleet, freezing rain, or hail) that lands on industrial sites (e.g. manufacturing facilities, mines, airports). This runoff is often polluted by materials that are handled or stored on the sites, and the facilities are subject to regulations to control the discharges. In the United States, facilities that discharge industrial stormwater to surface waters must obtain a permit under the National Pollutant Discharge Elimination System (NPDES), pursuant to the Clean Water Act.
Financial riskFinancial risk is any of various types of risk associated with financing, including financial transactions that include company loans in risk of default. Often it is understood to include only downside risk, meaning the potential for financial loss and uncertainty about its extent. A science has evolved around managing market and financial risk under the general title of modern portfolio theory initiated by Harry Markowitz in 1952 with his article, "Portfolio Selection".
Terrestrial ecosystemTerrestrial ecosystems are ecosystems that are found on land. Examples include tundra, taiga, temperate deciduous forest, tropical rain forest, grassland, deserts. Terrestrial ecosystems differ from aquatic ecosystems by the predominant presence of soil rather than water at the surface and by the extension of plants above this soil/water surface in terrestrial ecosystems. There is a wide range of water availability among terrestrial ecosystems (including water scarcity in some cases), whereas water is seldom a limiting factor to organisms in aquatic ecosystems.
Surface runoffSurface runoff (also known as overland flow or terrestrial runoff) is the unconfined flow of water over the ground surface, in contrast to channel runoff (or stream flow). It occurs when excess rainwater, stormwater, meltwater, or other sources, can no longer sufficiently rapidly infiltrate in the soil. This can occur when the soil is saturated by water to its full capacity, and the rain arrives more quickly than the soil can absorb it. Surface runoff often occurs because impervious areas (such as roofs and pavement) do not allow water to soak into the ground.
River ecosystemRiver ecosystems are flowing waters that drain the landscape, and include the biotic (living) interactions amongst plants, animals and micro-organisms, as well as abiotic (nonliving) physical and chemical interactions of its many parts. River ecosystems are part of larger watershed networks or catchments, where smaller headwater streams drain into mid-size streams, which progressively drain into larger river networks. The major zones in river ecosystems are determined by the river bed's gradient or by the velocity of the current.
Marine ecosystemMarine ecosystems are the largest of Earth's aquatic ecosystems and exist in waters that have a high salt content. These systems contrast with freshwater ecosystems, which have a lower salt content. Marine waters cover more than 70% of the surface of the Earth and account for more than 97% of Earth's water supply and 90% of habitable space on Earth. Seawater has an average salinity of 35 parts per thousand of water. Actual salinity varies among different marine ecosystems.
