Why are there more species in family ursidae than there are in genus ursus

Me with these questions image attached

How are the reproductive cycles of a fungus and a pteridophyte similar? a)both organisms form fruiting bodies that produce diploid seeds. b)both organisms produce haploid spores and exhibit diploid and haploid stages. c)both organisms reproduce sexually when two haploid hyphae fuse. d)both organisms exhibit a diploid stage and are only able to reproduce asexually.

What is the most abundant vertebrate on earth?