A geologist is someone who studies geography studies the Earth studies germs

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A geologist does not study germs: A geologist is focused on the rocks on earth, and germs are not rocks, but living organisms. In a way, the other two options : "the Earth" and "geography" are both correct and they are the same: Geography is the study of the Earth, including the organisms living on it. If we understand "the Earth" to mean only the physical Earth - then this is the correct answer.

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