Prepare a columnar report for the controller of heartland inc. comparing the industry averages for the ratios published by the trade association with the comparable ratios for heartland. for heartland, compute the ratios as of december 31, 2017, or for the year ending december 31, 2017, whichever is appropriate. briefly evaluate heartland's ratios relative to the industry averages. do you think that the bank will approve the loan? explain your answer.

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.'

i just took the test and it is financing

match each type of restriction with one of its effects.

a. land-use laws

b. labor laws

c. banking regulations

a. controlled development of towns and cities

b. protection of young workers

c. greater financial stability

answer; erp systems;