3) How did insurance begin? *
2 points
o
It is a very old idea which started back when sailing ships got destroyed or lost their
cargoes
cargo
O
It started in 1893 after the first car accident
O
It started in 1725 after the great London fire destroyed half the city
O
None of these

The correct answer is It started in 1725 after the great London fire destroyed half the city. A person named Nicholas Barbon started the 1st building insurance business in London and later developed a fire insurance corporation.

Later, this insurance coverage expanded into factories, burglaries, car and auto mobile and even personal life insurances.

Today, insurance businesses are among the largest and the most profitable businesses in the world.

Explanation:

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.'

i might look it up later.