Henrietta marston plans to retire at a specific date in the future. she is considering a fund that will be more risk-oriented now and become increasingly conservative as she approaches retirement. which of the following funds would you recommend to her

life cycle fund

Explanation:

Life cycle funds are a type of mutual fund, that offer a diversified portfolio specifically tailored to your retirement date. The portfolio is adjusted to fit a lower risk tolerance as the retirement age of the investor approaches. Usually life cycle funds invest in other mutual funds (fund of funds strategy).

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.'