Afrequent credit user should check out his or her credit rating periodically to a. be sure that the information on file is correct b. receive a refund on credit charges c. find out the total amount owed to creditors d. be sure all monthly statements are accurate

answer; be sure that the information on file is correct;

the answer is risk management planning

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.'