How many layers are there in water surface tension?
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Answer:
The property of the surface of a liquid that allows it to resist an external force, due to the cohesive nature of its molecules."

It seems to defy the laws of physics, but a paper clip made of steel can indeed float on the water surface. The high surface tension helps the paper clip - with much higher density - float on the water.
The cohesive forces between liquid molecules are responsible for the phenomenon known as surface tension. The molecules at the surface of a glass of water do not have other water molecules on all sides of them and consequently they cohere more strongly to those directly associated with them (in this case, next to and below them, but not above). It is not really true that a "skin" forms on the water surface; the stronger cohesion between the water molecules as opposed to the attraction of the water molecules to the air makes it more difficult to move an object through the surface than to move it when it is completely submersed. (Source: GSU).
Cohesion and Surface Tension
The cohesive forces between molecules in a liquid are shared with all neighboring molecules. Those on the surface have no neighboring molecules above and, thus, exhibit stronger attractive forces upon their nearest neighbors on and below the surface. Surface tension could be defined as the property of the surface of a liquid that allows it to resist an external force, due to the cohesive nature of the water molecules.
Surface tension at a molecular level

Surface tension in water owes to the fact that water molecules attract one another, as each molecule forms a bond with the ones in its vicinity. At the surface, though, the outmost layer of molecules, has fewer molecules to cling to, therefore compensates by establishing stronger bonds with its neighbors, this leading to the formation of the surface tension.
Water molecules want to cling to each other. At the surface, however, there are fewer water molecules to cling to since there is air above (thus, no water molecules). This results in a stronger bond between those molecules that actually do come in contact with one another, and a layer of strongly bonded water (see diagram). This surface layer (held together by surface tension) creates a considerable barrier between the atmosphere and the water. In fact, other than mercury, water has the greatest surface tension of any liquid. (Source: Lakes of Missouri)
Within a body of a liquid, a molecule will not experience a net force because the forces by the neighboring molecules all cancel out (diagram). However for a molecule on the surface of the liquid, there will be a net inward force since there will be no attractive force acting from above. This inward net force causes the molecules on the surface to contract and to resist being stretched or broken. Thus the surface is under tension, which is probably where the name "surface tension" came from. (Source: Woodrow Wilson Foundation).
Due to the surface tension, small objects will "float" on the surface of a fluid, as long as the object cannot break through and separate the top layer of water molecules. When an object is on the surface of the fluid, the surface under tension will behave like an elastic membrane.
Examples of surface tension

Water striders are able to walk on top of water due to a combination of several factors. Water striders use the high surface tension of water and long, hydrophobic legs to help them stay above water.
Water striders use this surface tension to their advantage through their highly adapted legs and distributed weight. The legs of a water strider are long and slender, allowing the weight of the water strider body to be distributed over a large surface area. The legs are strong, but have flexibility that allows the water striders to keep their weight evenly distributed and flow with the water movement. Hydrofuge hairs line the body surface of the water strider.
Explanation:
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