Question

why does a pencil appears to bent when partially dipped in water

Answer 1

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It was due to refraction 
the light ray was passed frm denser medium to rarrer medium 

this is refraction 
the pencil was from air (denser medium) to water (rarrer medium)

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Answer 2

it is because the light enters to air medium to water medium. but the actual mechanism is refraction pls mark it as branliest