I read the following in a book. “In order for there to be a clear image on your retina, the eye must refract the light rays. About two thirds of the refraction occurs at the surface of the eye. If water is on the eye, nearly all of the refraction is lost because the refractive index of the material is approximately that of the water. Wearing goggles provides a layer of air to give you normal refraction.” This is probably a question with an obvious answer. So the refraction is necessary to focus the light on the retina and if there is no refraction the light just travels through the lens of the eye and arrives spread out on the surface of the retina?