Environmental Science
Low clouds retard surface cooling at night better than clear skies because:

The clouds are better conductors of heat than is the clear night air
The clouds start convection currents between them
The formation of the clouds releases latent heat energy
The water droplets in the clouds reflect infrared energy back to earth
The clouds absorb and radiate infrared energy back to earth

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Environmental Science
Thermal belts are:

Pockets of warm air resting on a valley during the afternoon
Pockets of cold air resting on a valley floor at night
Cold, below-freezing air found at the top of a mountain
Warmer hillsides that are less likely to experience freezing conditions

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