Banks and other financial institutions: a. are the primary investors in equipment, factories, and other capital goods. b. lack relevance in the modern economy because they focus primarily on financial assets and generally do not engage in real investment activity. c. promote economic growth by to direct household saving to businesses that want to invest. d. often hinder economic activity by creating barriers between household savers and firms wanting to invest in capital goods.

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.'