What is the difference between vested funds and non-vested funds in a 401(k) plan?

vested funds are employer contributions, but non-vested funds are contributed by the employee.

vested funds are tax-exempt until retirement, but non-vested funds are not.

vested funds do not belong to the employee until after a set period, but non-vested funds immediately belong to the employee.

vested funds belong to the employee even if employment ends but non-vested funds do not.

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.'