Lake turnover occurs when the layers of water with noted temperature differences begin to mix together and the water and debris that has been sitting at the bottom of the lake begins to mix with the layers of water above it.
Definition of cautious. : careful about avoiding danger or risk cautious investors cautious optimism.
self insurance. Risk management approach in which an entity sets aside a sum as a protection against a probable loss, instead of transferring the risk by purchasing an insurance policy. This term is a misnomer because no insurance is involved. Properly called risk retention.