Disadvantage of asexual reproduction are

The major disadvantage of asexual reproduction is that all descendants of the same parent are genetically equal (population is uniform). If the environmental conditions of the place change and are no longer conducive to these individuals, they may disappear. In a population with genetic variability, however, some beings can survive in the new environmental conditions and thus maintain themselves.

i believe it would be the lungs.

9.9 years

a = p(1 + rt) . . account balance after time t at rate r starting with principal p

3000 = 2500(1 + 0.0202t) . . filling in the given numbers

1.2 = 1 + 0.0202t . . divide by 2500

0.2 = 0.0202t . . . subtract 1

0.2/0.0202 = t ≈ 9.901

it will take about 9.9 years for the account balance to reach $3000.