Which of the following is an example of an uninsured conventional loan? a) A private loan from a bank guaranteed by the VA
b) A first mortgage through a credit union with a 75% loan-to-value ratio
c) A bank loan insured by the Federal Reserve
d) A first mortgage through a savings association with a 97% loan-to-value ratio

ans.

heterothermic organisms include those organisms that can switch between homeothermic (having body temperature higher than environment) and poikilothermic (having variation in internal body temperature) strategies.

some migratory birds show heterothermy as they decrease their metabolic rate during cold nights to keep their body temperature low. drop in metabolic rate allows increase in production efficiency of birds that reduces the internal body temperature to make it equal to external cold temperature during cold nights.

thus, the correct answer is 'birds allow their temperature drop in order to increase their production efficiency.'

answer; dogs;

answer; ///pegged exchange rate with the united states;