Physics
Wollen clothes keep the body warm because

Wool rejects heat from the outer objects
Wool is a bad conductor
Wool absorbs radiant heat from outer objects
Wool increases the temperature of the body

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Physics
Railway tracks are banked on curves so that

No frictional force may be produced between the tracks and the wheels of the train
Necessary centrifugal force may be obtained from the horizontal component of the weight of the train
The train may not fall down inwards
Necessary centripetal force may be obtained from the horizontal component of the weight of the train

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