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Hazardous health effect caused by EMF:

World Health Organisation - CONCLUSIONS FROM SCIENTIFIC RESEARCH :

LOW-FREQUENCY FIELDS Scientific knowledge about the health effects of EMF is substantial and is based on a large number of epidemiological, animal and invitro studies. Many health outcomes ranging from reproductive defects to cardiovascular  and neurodegenerative diseases have been examined, but the most consistent evidence to date concerns childhood leukemia
HIGH-FREQUENCY FIELDS
Concerning radiofrequency fields,the balance of evidence to date suggests that exposure to low level RF fields (such as those emitted by mobile phones and their base stations)…. Some scientists have reported minor effects of mobile phone use, including changes in brain activity,reaction times,and sleep patterns.In so far as these effects have been confirmed,they appear to lie within the normal bounds of human variation. Presently, research efforts are concentrated on whether long-term, low level RF exposure, even at levels too low to cause significant temperature elevation, can cause adverse health effects

Short-term effects
As said by World Health Organisation, a number of studies have investigated the effects of radiofrequency fields on brain electrical activity, cognitive function, sleep, heart rate and blood pressure in volunteers.
Long -term effects
As said by World Health Organisation, Epidemiological research examining potential long-term risks from radiofrequency exposure has mostly looked for an association between brain tumours and mobile phone use. However, because many cancers are not detectable until many years after the interactions that led to the tumour, and since mobile phones were not widely used until the early 1990s, epidemiological studies at present can only assess those cancers that become evident within shorter time periods.

There are some indications of an increased risk of glioma for those who reported the highest 10% of cumulative hours of cell phone

Stanford University:
Heat Effect
One effect of cell phone radiation is heat. The alternating electric field would drive the electrons in the molecules to oscillate; and the kinetic energy of the oscillation would dissipate into heat and then increase the temperature of the tissue. If that temperature is too high, it would damage the tissue itself.

Non-Heat Effect
Other effects of RF waves on human body are still not very clear. Some researches show radiofrequency wave can affect the activities of human organs and cells, and even chromosomes. Volkow et al. showed the metabolism rate of brain becomes significantly higher when people are using cell phones (the rate of glucose metabolism increases from 33.3 to 35.7 μmol/100 g per minute). [4] Huber et al. reported 900 MHz RF wave with a peak SAR 1 W/kg can affect the regional cerebral blood flow (rCBF). [5] After a 20-min exposure of RF wave on the left-hand side, the rCBF of the left and right hemisphere of the brain becomes 4.3:0.4. Andrzejak et al. showed during a 20-minutes telephone call with a GSM phone, the standard deviation of human heart rate increases from 74 ms (without cellphones) to 92 ms.

How High frequencies (Radiofrequency) produce microwave radiation affect human health :

Frequency vs depth

The depth of penetration depends on the frequency of the microwaves and the tissue type. The Active Denial System ("pain ray") is a less-lethal directed energy weapon that employs a microwave beam at 95 GHz; a two-second burst of the 95 GHz focused beam heats the skin to a temperature of 130 °F (54 °C) at a depth of 1/64th of an inch (0.4 mm) and is claimed to cause skin pain without lasting damage. Conversely, lower frequencies penetrate deeper; at 5.8 GHz the depth most of the energy is dissipated in the first millimeter of the skin; the 2.45 GHz frequency microwaves commonly used in microwave ovens can deliver energy deeper into the tissue; the generally accepted value is 17 mm for muscle tissue. As lower frequencies penetrate deeper into the tissue, and as there are only few nerve endings in deeper-located parts of the body, the effects of the radio frequency waves (and the damage caused) may not be immediately noticeable. The lower frequencies at high power densities present a significant risk. The human body acts as a broadband antenna, with a number of resonation frequencies dictated by its size and position. The microwave absorption is directed by the dielectric constant of the tissue. At dozens of gigahertz, the radiation is absorbed in the top fraction to top few millimeters of skin. Muscle tissue is a much more efficient absorber than fat, so at lower frequencies that can penetrate sufficiently deep, most energy gets deposited there. In a homogeneous medium, the energy/depth dependence is an exponential curve with the exponent depending on the frequency and tissue. For 2.5 GHz, the first millimeter of muscle tissue absorbs 11% of the heat energy, the first two millimeters together absorb 20%. For lower frequencies, the attenuation factors are much lower, the achievable heating depths are higher, and the temperature gradient within the tissue is lower.

Tissue damage

The tissue damage depends primarily on the absorbed energy and the tissue sensitivity; it is a function of the microwave power density (which depends on the distance from the source and its power output), frequency, absorption rate in the given tissue, and the tissue sensitivity. Tissues with high water (resp. electrolyte) content show higher microwave absorption.The degree of the tissue damage depends on both the achieved temperature and the length of exposure. Damage to epidermis has low extent unless the epidermis is very moist. The characteristic depth for lower-frequency microwave injury is about 1 cm. The heating rate of adipose tissue is much slower than of muscle tissue. Frequencies in millimeter wave range are absorbed in the topmost layer of skin, rich on thermal sensors. At lower frequencies, between 1–10 GHz, most of the energy is however absorbed in deeper layers; the threshold for cellular injury there lies at 42 °C while the pain threshold is at 45 °C, so a subjective perception may not be a reliable indicator of a harmful level of exposure at those frequencies.

Muscle and fat tissue

Microwave burns show some similarities with electrical burns, as the tissue damage is deep instead of just superficial. Adipose tissue shows less degree of damage than muscles and other water-rich tissues. (In contrast, radiant heat, contact burns and chemical burns damage subcutaneous adipose tissue to higher extent than deeper muscle tissue.) Microwaves also deposit more energy to areas with low blood supply and to tissue interfaces. Hot spots may be formed in the tissue, with a consequent higher absorption of microwave energy and even higher temperature achieved, with localized necrosis壞疽of the affected tissue following. Sometimes, the affected tissue can even be charred. Muscle tissue destruction can lead to myoglobinuria肌紅蛋白尿, with renal failure following in severe cases; this is similar to burns from electric current. Urinalysis and serum CPK, BUN and creatine tests are used to check for this condition.

Nerves

Sensory nerves are particularly sensitive to microwave damage. Cases of persistent neuritis 神經炎and compression neuropathy神經病were reported after significant microwave exposures.]When the temperature of the brain is raised to or above 42 °C, the blood–brain barrier permeability increases.
A neuropathy due to peripheral nerve lesion病變, without visible external burns, can occur when the nerve is subjected to microwaves of sufficient power density. The damage mechanism is believed to be thermal. Radiofrequency waves and ultrasound can be used for temporary blocking of peripheral nerves during neurosurgical operations.

Other tissues

The thermal effects of microwaves can cause testicular degeneration and lower sperm count. Pulmonary burn can be present when lungs are exposed; chest x-ray is used for diagnosing. Exposure of abdomen may lead to bowel obstruction due to stenosis of the affected bowel; flat and upright abdominal x-ray is used to check for this condition.
Research by NASA in the 1970s has shown this to be caused by thermal expansion in parts of the inner ear. When injury from exposure to microwaves occurs, it usually results from dielectric heating induced in the body. Exposure to microwave radiation can produce cataracts by this mechanism, because the microwave heating denatures proteins in the crystalline lens of the eye (in the same way that heat turns egg whites white and opaque). The lens and cornea of the eye are especially vulnerable because they contain no blood vessels that can carry away heat. Exposure to heavy doses of microwave radiation (as from an oven that has been tampered with to allow operation even with the door open) can produce heat damage in other tissues as well, up to and including serious burns that may not be immediately evident because of the tendency for microwaves to heat deeper tissues with higher moisture content.