Heat and Mass Transfer
The insulation ability of an insulator with the presence of moisture would

May increase/decrease depending on temperature and thickness of insulation
Increase
Decrease
Remain unaffected

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Heat and Mass Transfer
Film coefficient is defined as the ratio of

Thickness of film of fluid to the temperature drop through the films of fluids
Thickness of film of fluid to the thermal conductivity
Temperature drop through the films of fluids to the thickness of film of fluids
Thermal conductivity to the equivalent thickness of the film of fluid

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