How Foam Rubber Is Made. The differences between foam and sponge rubber begin with ingredients and end with molecular structure. Foam rubbers use a blowing agent, typically a gas or a chemical that produces a gas, to create a mass of small bubbles in a liquid mixture.
Financial advisers working with indexed universal life insurance are finding themselves in the middle of a heated battle between state regulators and the life insurance industry. In an otherwise sleepy corner of the product market, indexed universal life insurance has been a stand-out seller.
In contemporary usage, tree of life refers to the compilation of comprehensive phylogenetic databases rooted at the last universal common ancestor of life on Earth. The Open Tree of Life, first published 2015, is a project to compile such a database for free public access.