Here's a breakdown:
* Fur: The outer layer is a thick coat of white fur that acts as excellent camouflage in the snow and ice. It also traps a layer of air, further insulating the bear.
* Blubber: This is the critical layer beneath the fur. Blubber is a thick layer of fat that provides insulation and energy reserves for the polar bear.
* Skin: Beneath the blubber is the polar bear's skin, which is typically black.
This combination of fur and blubber makes the polar bear one of the best-insulated mammals on Earth, allowing it to thrive in the Arctic's harsh conditions.