1) The ozone layer, located in the Earth's stratosphere, protects us from harmful ultraviolet (UV) radiation.

2) Insurance fraud occurs when individuals or organizations deliberately deceive insurance companies to receive undeserved benefits.

3) The push for gender equality and women's empowerment has gained momentum worldwide, with increased advocacy for equal rights, representation in leadership positions, and efforts to address issues such as gender-based violence and discrimination.

4) The Hubble Space Telescope, launched in 1990, has provided breathtaking images of distant galaxies and deep space.