Fat present below the skin surface in our body, acts as a barrier against 

(a) Loss of heat from the body 

(b) Loss of essential body fluids 

(c) Loss of salts from the body 

(d) Entry of harmful micro-organisms from the environment


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(a) Fat present below the skin surface in our body, act as a insulator against loss of heat from the body. The deposited fat works as barrier, which prevents loss of heat.