EM radiation with a wavelength between approximately 400 nm and 700 nm is directly detected by the human eye and perceived as visible light. Other wavelengths, especially nearby infrared (longer than 700 nm) and ultraviolet (shorter than 400 nm) are also sometimes referred to as light.icrowaves are a form of electromagnetic radiation with wavelengths ranging from as long as one meter to as short as one millimeter; with frequencies between 300 MHz (0.3 GHz) and 300 GHz.
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The cost of insurance (ie. premiums) is determined by the claims experience of the company. This is why young drivers, who have a high claims rate, may pay higher car insurance premiums than drivers over 25 years of age. This is also why female drivers, who are considered a lower risk, may get cheaper car insurance than males. If claim numbers and the cost of claims increases, then so may insurance premiums.