Suppose you take out a loan for 120 days in the amount of $16,000 at 10% ordinary interest. After 40 days, you make a partial payment of $1,000. After another 40 days, you make a second partial payment of $3,000. What is the final amount due on the loan

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; buying the bill at a discount from the face value to be received at maturity;