Surface waters include which of the following?

Surface waters encompass all bodies of water that are found on the Earth's surface, and this includes lakes, rivers, and streams as well as wetlands. Wetlands, which are areas where water covers the soil, either permanently or seasonally, play a crucial role in the health of ecosystems, acting as natural filters and providing habitat for a diverse array of wildlife.

The correct choice accurately represents this broader definition of surface water, thus including not just lakes and rivers, but also the vital wetland ecosystems. Other options are limited in scope; for instance, some only mention lakes and rivers, overlooking the importance of wetlands as part of surface water systems. By including wetlands, the chosen answer reflects a more comprehensive understanding of surface water on our planet.