The largest asset class on u. s. commercial banks' balance sheet as of september 30, 2012 was

answer; a large down payment,a longer term loan, would result in a lower monthly payment;

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; (a) calling people who have not shown interest in the product and asking them to buy it;

lady gaga

explanation:

lady gaga's real name is stefani joanne angelina germanotta.