Who might receive dividends from a mutual insurer?

The answer is policyholders. A mutual insurance company is an insurance company possessed completely by its policyholders. Any profits made by a mutual insurance company are either booked within the company or rebated to policyholders in the form of dividend circulations or concentrated future premiums.

d. to get countries or companies to stop doing something objectionable.

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.'