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It is because of Evaporation. The wind evaporates the water on your skin which in turn absorbs the heat from your skin. Wind and heat both help to evaporate that water and hence you feel cold. Water evaporates from your skin using up your body heat.

Explanation:

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step 1: replication fork formation.

step 2: primer binding.

step 3: elongation.

step 4: termination.

explanation:

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