What is the reason for a bank to offer a customer to make a loan at a low initial rate which will increase after a set period of time?
a. to fool the customer into making an unmanageable commitment
b. to make the loan look more attractive and competitive in the long run
c. to make the loan look more attractive and competitive now
d. the bank accepts making less money in the later years of the loan

the correct answer is: b. pantala flavescens, because these organisms would have a high level of genetic variation due to sexual reproduction.  

because involves two organisms (parents) whose genetic material combines, sexual reproduction leads to genetic variation in new generations of offspring. the offspring is an unique organism, with new genome, more protected with the higher ability to adapted. this process is fundamental to evolution.