Which of the following functions as insulation

Lipids. 

Because lipids is another word for fat, and fat is an insulation.

: The purpose of insulation is to slow the rate of heat transfer. ... In cold climates, it is intended to stop the flow of heat out of the building. In hot climates, its purpose is to slow the movement of heat into the building. : 


Hope this helps :)

Crossing over creates new combinations of genes in the gametes that are not found in either parent contributing to genetic diversity