Which of the following is the information insurers rely upon when determining premiums for their group benefits?

An animal with a true coelom that has _____ cleavage must be a _____.

Which of the following evolutionary mechanisms does NOT contribute to the process of allopatric speciation?

Included among the modern genera of apes are _____.

Plants colonized land in the company of _____; their symbiotic relationships still exist today.

Directions: From the options below, choose the letter corresponding to the plant clade that evolved approximately at the time indicated by the question mark (?) on the timeline.   

The development of the _____ prevents plants from drying out and protects them from microbes.

Multiple Choice Essay: Choose the correct essay below from among the incorrect ones. This essay question is just like other multiple choice questions… one is correct and the others are incorrect. This question is worth 4 points! Please take your time.

Bird guides once listed the myrtle warbler and Audubon’s warbler as distinct species that lived side by side in parts of their ranges. However, recent books show them as eastern and western forms of a single species, the yellow-rumped warbler. Apparently, the myrtle warbler and Audubon’s warbler _____.

A captive insurer is defined as: