Scientists have long believed that the 14 species of finches on the galapagos islands evolved from a single species of finch that migrated to the islands 1-5 million years ago. recent dna analyses support the conclusion that all of the galapagos finches evolved from the warbler finch. different species live on different islands. for example, the medium ground finch and the cactus finch live on one island. the large cactus finch occupies another island. one of the major changes in the finches is in their beak sizes and shapes. how did the different beak types first arise in the galapagos finches?

Insurance companies have internal controls in place to protect assets, monitor the accuracy of accounting records and encourage operational efficiencies and adherence to policies. these internal controls are generally of two types: administrative controls and accounting controls. administrative controls are the policies and procedures that guide the daily actions of employees. accounting controls are the policies and procedures that delineate authorizations of financial transactions that are done, safeguard assets, and provide reports on the company’s financial status in a reliable and timely manner. internal controls should include both preventative and detective controls. the purpose of preventative controls is to stop problems and errors before they occur. detective controls identify problems after they have occurred. preventative controls are usually more effective at reducing problems, but they also tend to be more expensive. internal controls must be flexible to adjust for changes in laws and regulations in addition to adding new products or modifying current ones. companies must also do regular analyses to ensure that the benefits of implementing the controls are worth their costs. when concerned about paying unwarranted insurance claims which type of control would be useful?