Morgan is moving to a new city. she should consider each of these factors when selecting a new financial institution, except
fees
pmi
interest rates
services

PMI

Explanation:

The factor that Morgan should not consider when selecting a new financial institution is PMI which means private mortgage insurance as this is the insurance that people have to pay when they get a loan for a house and they give a down payment of less than 20% and the case doens't state that she is getting a mortgage. She should consider the bank fees, the interest rates it has and the services it offers.

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: a. the kind of population living in your neighbourhood.

the census explorer data tool by the us census bureau allows the user to zoom in on any neighbourhood within the united states and find the kind of people residing in that by race and age.  

the tool needs to needs to be used twice – once in order to find what type of people reside in a neighbourhood, and then to see the age groups of the people in the same neighbourhood.