Life Insurance Mortality Tables. Life insurance companies use what is called a Life Insurance Mortality Table (aka actuarial table or life table) to come up with policy rates. This table takes your age and calculates how many years you have left to live if you live to the average life expectancy.
Rust is the normal electrochemical process of metals returning to their natural unrefined state. It occurs when Iron, Oxygen and Water (air moisture) combine. The rusting process can be accelerated when Iron is subjected to nature's minerals, chemicals and temperature fluctuations.
Many rust removal products, like Ospho, leave behind a coating of Zinc Oxide or Iron Phosphate to prevent further rust. Although you can paint over it you should probably sand lightly and remove the powder. The black stuff is probably the result of rust conversion. Rust, Fe2o3, is that stuff that eats up metal.any rust removal products, like Ospho, leave behind a coating of Zinc Oxide or Iron Phosphate to prevent further rust. Although you can paint over it you should probably sand lightly and remove the powder. The black stuff is probably the result of rust conversion. Rust, Fe2o3, is that stuff that eats up metal.