This document summarizes key concepts from a lecture on life in water. It discusses the hydrologic cycle and how it exchanges water among different reservoirs. It then describes various aquatic systems in more detail, including the ocean and its structure, shallow waters like coral reefs and kelp forests, marine shores and the intertidal zone, estuaries and wetlands, rivers and streams, and lakes. For each system, it outlines characteristics like temperature, salinity, oxygen levels, and how organisms have adapted to conditions in different parts of the system. It also discusses human impacts like pollution, overharvesting, and invasive species.