If you begin investing at age 45 instead of age 40, how much more do you need to invest per month to have $1M at retirement?

better off having an absolute

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.'

this conflict is person vs. society

if you need further explanations, comment below!

hope this ! < 3

answer; the nav calculated at the market close at 4: 00 pm new york time;