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Which term refers to a body of water that is completely surrounded by land and can be either fresh water or salt water?

1. Lakes

2. Lattitude

3. Islands

4. Northern Hemisphere

The correct answer is: Lakes

The term that refers to a body of water that is completely surrounded by land is lakes. Lakes can be either freshwater or saltwater and are typically larger than ponds. These bodies of water are distinct geographical features that serve various ecological roles and provide habitats for diverse wildlife. The other terms listed do not fit this definition. Latitude refers to the measurement of distance north or south of the equator and is related to geography but does not describe a body of water. Islands are landforms surrounded by water, but they do not constitute bodies of water themselves. The Northern Hemisphere is a geographical term denoting the half of the Earth that is north of the equator, again not describing a body of water. Thus, lakes is the correct answer as it precisely matches the definition given in the question.