The is the outermost layer of the epidermis.

The  Stratum Corneum is the outermost layer of the epidermis.

Explanation:

The outermost layer of the skin is the Epidemis , which protects the body from the outer harmful environment . It is the most superficial layer of the skin .

The skin is further distributed into five separate layers .

Now , the Stratum Corneum , is the outer most layer of the Epidermis .

Stratum Corneum is made up many dead skin cells that gets removed into the environment .

And these cells are found in the dust in the environment .

This layer act as a water repellent .

the answer would be d

9.9 years

a = p(1 + rt) . . account balance after time t at rate r starting with principal p

3000 = 2500(1 + 0.0202t) . . filling in the given numbers

1.2 = 1 + 0.0202t . . divide by 2500

0.2 = 0.0202t . . . subtract 1

0.2/0.0202 = t ≈ 9.901

it will take about 9.9 years for the account balance to reach $3000.