Karen, age 51, wishes to take distributions from her traditional ira and avoid imposition of the 10% early distribution penalty. which of the following distributions will allow karen to avoid the penalty? if karen is totally and permanently disabled karen wants the distribution to pay medical expenses exceeding 10% of her agi. karen may take distributions under the substantially equal payments rule. karen needs cash to pay for tuition for her child at state university.

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.'