When Ruth purchased her house, she took out a 30-year annual payment-mortgage with an interest rate of 5.5%. The annual payment on the mortgage is $12,000. She has just made a payment and has now decided to pay the mortgage off by repaying the outstanding balance. What is the amount of the loan taken? What is the payoff amount if:
a) She has lived in the house for 10 years?
b) She has lived in the house for 19 years?
c) She has lived in the house for 10 years and she decides to pay off the mortgage immediately before the 10th payment is due?

ow you love to hate me

Kinda sad that you always been like that

Baby, you're wasting all your time

I can't relate, I keep it light

No, no, no drama in my life

Step-by-step explanation:

ow you love to hate me

Kinda sad that you always been like that

See me making waves and you don't like that

Driving through your puddles goin' splish splash

(Splish, splash, splish, splash)

Explanation:

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.'

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