Phil takes out a loan of $100,000 to be repaid in 360 monthly installments. you are given that the first payment will be one month after the inception of the loan and that the e↵ective annual rate of interest is 10%. determine which payment will be the first where the amount of principal paid is more than two-thirds the amount of the interest paid.

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; read and consider the content of the items;