When illness or injuries strike which of these issues may affect your finances?

In the event that there is either or both an illness and an injury, the issues listed below may have an effect on your finances:

1. Expenses related to direct health care
2. The costs of recuperative care
3. The costs of rehabilitation

The biotic factors that influence deserts include all of the living organisms in the habitat.  Typical biotic factors of deserts include plants such as succulents, drought-resistant grasses, cacti, aloe plants, etc.  Animals also function as important biotic components of the desert ecosystems, species like coyotes, lizards, snakes, rodents, turtles and birds.  Microscopic and single-celled organisms also  played an important part in the desert ecosystems. Bacteria, lichens and amoebas hide in places with suitable moisture to allow them to survive. Some deserts, such as the Antarctic desert are virtually barren and hold no life forms.