A sump is a tank that is under the display tank. The water overflows from the display and into the sump and is then pumped back up to the display. The sump houses all or at least some filtration and equipment. This may include a refugium, skimmer, heater, media reactors, automatic top off, automated dosing, etc.
A refugium is a 'safe refuge' that protects its inhabitants from livestock in the tank. In most cases it is used for nutrient export and houses macroalgae (usually chaetomorpha) but may use other things like certian corals (like Xenia spp.) and even clams (although thay look much better in the display). A refugium may be in a sump, hang on the back of the tank, and can even be an area inside the tank protected by something like needlepoint plastic or a specimen container with holes drilled in it.
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