This document discusses energy pathways and balances at Earth's surface. It explains that 51% of incoming solar energy (insolation) is absorbed at the surface on average, while 29% is absorbed directly and 22% is absorbed after scattering. About 4% of insolation is reflected from the surface. The greenhouse effect occurs as the atmosphere absorbs and re-radiates heat, warming the planet. Urban areas experience higher temperatures than rural areas due to surfaces like asphalt and concrete that absorb and retain heat, creating urban heat islands.