You wish to buy a $20,000 car. The dealer offers you a 5-year loan with an 5 percent APR. What are the monthly payments

the monthly payments are $377.42.

Explanation:

The monthly payments, PMT on the loan can be determined using a financial calculator as follows :

PV = $20,000

N = 5 × 12 = 60

P/YR = 12

R = 5.00 %

FV = $ 0

PMT = ?

Using a Financial Calculator, the monthly payments, PMT on the loan are $377.42.

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.'

you get a crown by getting lots of points and you get points by answering other peoples questions