Quem sao os profissionais na area da educacao financeira (obs: é matéria de educacao financeira. coloquei geografia pois nao achei a matéria sobre a pergunta em que eu estou perguntando)

Which statement best explains the relationship between an area's geography and the temperature of its surface water? areas at low altitudes have the warmest water because they receive the most direct sunlight. areas at low altitudes have the warmest water because they have the least change in temperature throughout the year. areas at high latitudes have the warmest water because their days are the longest. areas at high latitudes have the warmest water because they have the longest seasons.