Our understanding of many of the evolutionary relationships among animals changed after those phylogenies were based on morphological and molecular data (as opposed to only using morphological data). Which of the following groups represents an example of this change?
a. Lochotrophozora
b. Bivalvia
c. Brachiopoda
d. Placozoa

Answers

Answer 1

Answer:

a. Lochotrophozora

Explanation:

Molecular research and studies complement morphological research and improve our awareness and knowledge of evolutionary history. Previously, morphological studies could only reveal to us the variations and distinctions, but molecular studies and phylogeny have enabled us to pinpoint the fundamental mechanism of this variation on a genetic level, as well as locate it down to evolutionary lineage, which has led to more enhanced genealogy and evolutionary studies.

However, the group of organisms that best reflects and represents this kind of change is: Lochotrophozora

Answer 2

Groups represent an example of this change is option "A" which is Lochotrophozora.

What is Lochotrophozora diversification?

Lophotrochozoa is a monophyletic group of animals that includes annelids, molluscs, bryozoans, brachiopods, Platyhelminthes, and other animals that descended from the common progenitor of these organisms.

Lophotrochozoa is one of the three major clades that include bilateral animals, or Bilateria.

Thus, option "A" is Lochotrophozora.

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Related Questions

what scenerio in which a population is evolving. Explain how the variants within a population was generated.​

Answers

Genetic variation is an important force in evolution as it allows natural selection to increase or decrease frequency of alleles already in the population. ... Genetic variation is advantageous to a population because it enables some individuals to adapt to the environment while maintaining the survival of the population.

Indicate whether each of the following descriptions is true of microtubules (MT), microfilaments (MF), intermediate filaments (IF), or none of these (N). More than one response may be appropriate for some statements.
(a) Involved in muscle contraction.
(b) Involved in the movement of cilia and flagella.
(c) More important for chromosome movements than for cytokinesis.
(d) More important for cytokinesis than for chromosome movements in animal cells.
(e) Most likely to remain when cells are treated with solutions of nonionic detergents or solutions of high ionic strength.
(f) Structurally similar proteins are found in bacterial cells.
(g) Their subunits can bind and catalyze hydrolysis of phosphonucleotides.
(h) Can be detected by immunofluorescence microscopy.
(i) Play well-documented roles in cell movement.
(j) The fundamental repeating subunit is a dimer.
MT,
MF,
IF,
MT and MF,
MT and IF ,
MT, IF, MF.

Answers

Answer:

(a) Microfilaments

(b) Microtubules

(c) Microtubules

(d) Microfilaments

(e) Intermediate filaments

(f) Microfilaments, intermediate filaments, microtubules

(g) Microfilaments, microtubules

(h) Microfilaments, intermediate filaments, microtubules

(i) Microtubules, microfilaments

(j) Microtubules

Explanation:

Microtubules (MTs) are dimers of the protein tubulin (alpha- and beta-tubulin subunits) and they are major components of the cytoskeleton. MTs play diverse cellular roles including, mechanical support (cytoskeleton), transport, motility, chromosome segregation, etc. Microfilaments (MFs) are protein filaments that also form part of the cytoskeleton in eukaryotic cells. MFs consist of G-actin monomers assembled in linear actin polymers, and their functions include mechanical support, cytokinesis, changes in cell shape, amoeboid movement, endocytosis and exocytosis, etc. MFs associate with the protein myosin to generate muscle contractions. Actin filaments/MTs assembly from monomeric actin/tubulin is caused due to energy expenditure, where ATP/GTP bound to actin/tubulin is hydrolyzed during polymerization. Finally, intermediate filaments (IFs) are a type of cytoskeletal element composed of a heterogeneous group of structural elements, and they are not found in all eukaryotes. The primary function of the IFs is to contribute to the mechanical support for the plasma membrane where these filaments come into contact with other cells and/or with the extracellular matrix. The IFs are not directly involved in cell movement. All 3 types of cytoskeletal elements (microfilaments, intermediate filaments, microtubules) can be visualized by fluorescence microscopy when cells express chimeric MT/IF/MF.–GFP fusion proteins.

For each function listed below, name the associated structure: Function Structure Rigid cellular support __________________ Flexible cellular boundary __________________ Site of cellular respiration* __________________ Site of photosynthesis

Answers

Answer:

cell wall

mitochondria

chloroplast

The cell membrane is a flexible cellular boundary, respiration takes place in mitochondria, and photosynthesis in the chloroplast.

What are cellular organelles?

An organelle is a subcellular structure that, like an organ in the body, has one or more specific tasks to carry out within the cell. The nucleus, which houses genetic material, the mitochondria, which generate chemical energy, and the ribosomes, which put together proteins, are some of the more significant cell organelles.

The nucleus, mitochondria, endoplasmic reticulum, Golgi apparatus, vesicles, and vacuoles are among the organelles found in animal cells. Despite not being protected by a membrane, ribosomes are frequently referred to as organelles in eukaryotic cells.

Thus, the cell is covered by a flexible cell membrane. Mitochondria is a site of cellular respiration, while chloroplast is a site of photosynthesis.

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Below are portions of a haplotype sequence from three individuals. Each base represents a SNP found at a distinct position in the genome. Which of these haplotypes are most closely related based upon the SNPs provided here?

Haplotype
A 5'...ATCGATAATCCCCTTAG...3
B 5'...ATTGATCATCCCCTAAG...3
C 5'...ATCTATCATCAGATACG...3

a. A, B, and C are all similarly related
b. A and B
c. B and C
d. A and C

Answers

The correct answer is A and B

1. ¿Cuáles son las células que contiene la retina?​

Answers

Answer:

Células fotorreceptoras: Son los conos y los bastones. Transforman los impulsos luminosos en señales eléctricas.

Células bipolares de la retina. Conectan las células fotorreceptoras con las células ganglionares.

Células amacrinas. ...

Células horizontales. ...

Células ganglionares de la retina.

Predict what will happen to the concentration of pyruvate, NADH and H+ when the Krebs cycle is stopped by arsenic

Answers

Answer: Pyruvate would increase, NADH would decrease, and intermembrane H+ would decrease as well.

Explanation:

Glycolysis would raise pyruvate, but the Krebs Cycle would not produce NADH, decreasing it. No protons (H+) will be pushed into the intermembrane gap, lowering its H+ content and raising its pH.

What is Kreb's cycle?

The tricarboxylic acid (TCA) cycle, commonly referred to as the Krebs cycle or the citric acid cycle, is the primary route that cells use in order to acquire energy and is an essential component of aerobic respiration. The cycle transforms the oxidative potential of acetyl coenzyme A (acetyl CoA) into the reductive potential of nicotinamide adenine dinucleotide (NADH).

The synthesis of ATP via the Krebs cycle is disrupted when arsenic is present because it prevents pyruvate from being converted into acetyl coenzyme A (acetyl-CoA). In addition to the effects described above, arsenic also prevents glucose uptake at the cellular level, as well as gluconeogenesis, the oxidation of fatty acids, and additional acetyl-CoA formation.

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mention two srraigies That favour self pollination​

Answers

There are two types of self-pollination: in autogamy, pollen is transferred to the stigma of the same flower; in geitonogamy, pollen is transferred from the anther of one flower to the stigma of another flower on the same flowering plant, or from microsporangium to ovule within a single (monoecious) gymnosperm

What happens to proteins with no signal sequence that are made in the cytosol? Question 3 options: They are taken up by lysosomes. They are degraded by proteases. They are returned to their organelle of origin. They are secreted. They remain in the cytosol.

Answers

Answer:

The correct answer is: They remain in the cytosol.

Explanation:

Eukaryotic proteins are made through a process called Translation, which always starts at the cytosol (except for the proteins that are made in the mitochondria).

While Translation is taking place, the peptide that is being synthesized is checked for molecular tags that will lead to a re-routing to another destination: proteins that have an amino sequence called 'signal peptide' will be sent to the endoplasmic reticulum for its translation to continue - the proteins that go this route are meant to be part of the endomembrane system, after that they can be bounded to the ER, the Golgi apparatus or the lysosomes.

Unlike the proteins mentioned before, there are proteins that will have no signal peptide - this means that they are meant to finish Translation in the cytosol. Some of these proteins will acquire a signal tag that will lead them to the nucleus or the mitochondria, for example, but if they don't they will stay permanently in the cytosol to perform their tasks in that place.

what type of feature might be observed at this location?

Answers

Answer:

at what location? the question isnt finished

3 Peroxisomes are cellular organelles: A. with their own genome B. present only in protists C. without membrane OR D. collaborating with the nucleus O E site of some oxidation reactions

Answers

Answer:

E.site of some oxidation reactions

Albinism, lack of pigmentation in humans, results from an autosomal recessive gene. Two parents with normal pigmentation have an albino child. What is the probability that their next three children will be wild type

Answers

Answer:

50

Explanation:

because this disorder occurs when the alleles are recessive meaning the alleles Will be heterozygous

A biologist thinks the population of chipmunks will be in the range of 2900 to 3100 in the year 2000. Is that a reasonable guess? Why or why not?

Answers

Answer:

No

Why not:

The midpoint of range is 3000. Yes, in from 1950-1955 there was a massive increase of the population of chipmunks but from then on it slowly decreased until 1990. In 1995, the population doubled from 1990. If you double 1440, you will get 2880. The biologist said between 2900-3100, using the midpoint of this range (3000) it is too low therefore being a bit unreasonable.

Hoped it is correct and helped you!

What is the role of the spindle fibers in mitosis?

Answers

Answer:

Spindle fibers are a type of protein that splits a cell's genetic material. During both kinds of nuclear division, mitosis and meiosis, the spindle is required to evenly divide the chromosomes in a mother cell into two daughter cells. The spindle fibers are referred to as the mitotic spindle during mitosis.

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what is the function of neurotransmitters?

Answers

neurotransmitters are often reffered to as the body's chemical messangers. They are the molecules used by the nervus system to transmit messages between neurones, or from neurones to muscles. Communication between two neurones happens in the synaptic cleft (the small gap between the synapses of neurones).

it helps control the alertness and arousal


Match the rocks with the geological processes that create them.
igneous rocks
sedimentary rocks
metamorphic rocks
They are formed when liquid
magma cools and solidifles
beneath or above Earth's
surface.
They are molded by heat and
pressure deep inside Earth.
The heat comes from magma.
Pressure is exerted by the
motion of Earth's plates and
the weight of other rocks.
They are a result of weathering
and lithification, which is often
aided by the flow of water.

Answers

Answer:

Igneous rocks:

-They are formed when liquid magma cools and solidifies beneath or above Earth’s surface.

Sedimentary rocks:

-They are a result if weathering and lithification, which is often aided by the flow of water.

Metamorphic rocks:

-They are molded by heat and pressure deep inside Earth.

-The heat comes from magma.

-Pressure is exerted by the motion of Earth’s plates and the weight of other rocks.

Explanation:

These are all I can do. You gave 5 sentence choices right? Hope this helps!

Answer:

The answer is Igneous rocks, Metamorphic rocks, and Sedimentary rocks

Explanation:

Which of the following is correct?
Select one:
a. Industry and agriculture both overuse surface water resources.
b. Industry and agriculture both overuse groundwater resources.
c. Industry overuses surface water and agriculture overuses
groundwater.
O d. Industry overuses groundwater and agriculture overuses
surface water

Answers

Hey i think the answer is C :)

Water is a source that is used for various purposes. The industry overuses the surface water, whereas agriculture overuses the groundwater leading to water scarcity. Thus, option C is correct.

What is water scarcity?

Water scarcity is the unavailability of water or can be said as a shortage of water through the regular supplies due to the overuse and excess waste of these resources.

The lack of sufficient amount of water that has been said to be not equal to the demand is a major issue that affects every organism globally. It can lead to economic decline as there will be drought.

Water is used in various fields including the industries for machines and other works, and also in agriculture fields to grow plants and crops. The industry uses the water present on the surfaces like lakes, and rivers, while crops need the water from the wells.

Therefore, option C. the industry and agriculture overuse water.

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Many of the phenotypes of DiGeorge syndrome have been traced back to one of the genes that is in the deleted region, TBX1. Some of the evidence for the important role of TBX1 in DiGeorge syndrome came from individuals who have some of the symptoms of DiGeorge syndrome without having the typical deletion. Closer examination showed that some of these individuals had SNV in the TBX1 gene. Which of the following SNVS would be most likely to create a similar phenotype to the deletion?
A. A variant in the promoter region of TBX1 that increases its expression
B. A variant in the intronic region of TBX1 that does not affect splicing. X
C. A nonsense variant near the 5' end of the TBX1 gene.
D. A silent variant near the 5' end of the TBX1 gene.

Answers

Answer:

D. A silent variant near the 5' end of the TBX1 gene.

Explanation:

TBX1 gene is wild type human being. It gives instructions for making protein called T-box 1. It plays an important role in tissue formation and organs during embryonic development.

how digestion happens in human​

Answers

Explanation:

The muscles of the small intestine mix food with digestive juices from the pancreas, liver, and intestine, and push the mixture forward for further digestion. The walls of the small intestine absorb water and the digested nutrients into your bloodstream.

Answer :Once foods are broken into small enough parts, your body can absorb and move the nutrients to where they are needed. Your large intestine absorbs water, and the waste products of digestion become stool. Nerves and hormones help control the digestive process.

Which process produces a phase change for water molecules? What is the factor that drivers this process?

Answers

Explanation:

I think this is the answer i try to do it

different evolution theory of living organism​

Answers

Answer:

(I) Lamarckism or Theory of Inheritance of Acquired characters.

This theory is based on the comparison between the contemporary species of Jean Baptiste de Lamarck's time to fossil records.

(II) Darwinism or Theory of Natural Selection.

Charles Darwin made an extensive study of nature for over 20 years, especially in 1831-1836 when he went on a voyage on the famous ship “H.M.S. Beagle” and explored South America, the Galapagos Islands and other islands.

(III) Mutation theory of De Vries.

The mutation theory of evolution was proposed by a Dutch botanist, Hugo de Vries (1848-1935 A.D.) in 1901 A.D. in his book entitled “Species and Varieties, Their Origin by Mutation”. He worked on evening primrose (Oenothera lamarckiana).

(IV) Neo-Darwinism or Modern concept or Synthetic theory of evolution.

The detailed studies of Lamarckism, Darwinism and Mutation theory of evolution showed that no single theory is fully satisfactory. Neo-Darwinism is a modified version of theory of Natural Selection and is a sort of reconciliation between Darwin’s and de Vries theories.

how do humans impact the biodiversity of ecosystems

Answers

Answer:

Humans affect biodiversity by their population numbers, use of land, and their lifestyles, causing damage to habitats for species. Through proper education, and by demanding that governments make decisions to preserve biodiversity, the human population will be able to sustain life on earth longer.

Explanation:

[tex]\texttt{ANSWER:}[/tex]

Human population levels, land usage, and lifestyles all have an impact on biodiversity, causing damage to species' habitats. The human population will be able to maintain life on Earth for longer if adequate knowledge is provided and governments are forced to make decisions that protect biodiversity.

[tex]------------[/tex]

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oxygen is carried by blood to all the cells of body in the form of ___________​

Answers

Answer:

Oxygen is carried by blood to all the cells of the body in the form of haemoglobin.

Explanation:

Oxygen is carried in the blood in two forms:

(1) dissolved in plasma and red blood cells water (about 2% of the total)

(2) reversibly bound to haemoglobin (about 98% of the total).

Haemoglobin is a protein in the red blood cells and carries oxygen around our bodies. At the same time, carbon dioxide that is dissolved in the blood comes out of the capillaries back into the air sacs, ready to be breathed out.

What are three structural differences between animal and plant cells

Answers

All living things are made up of cells. Cells are the basic unit of a living organism and where all life processes are carried out.

Animal cells and plant cells share the common components of a nucleus, cytoplasm, mitochondria and a cell membrane.

Plant cells have three extra components, a vacuole, chloroplast and a cell wall.

in order for the elodea leaves to photosynthesize need to light and both _______ and ________

Answers

Answer:

Carbon dioxide and Chlorophyll

In order for the elodea leaves to photosynthesize need to light and both Carbon dioxide and Water

Photosynthesis is the process by which green plants and certain other organisms transform light energy into chemical energy.

During photosynthesis in green plants, light energy is captured and used to convert water, carbon dioxide, and minerals into oxygen and energy-rich organic compounds.

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Different types of cells have different numbers and types of
O nuclei
O DNA
O cell membranes
O organelles

Answers

I think organelles

Because only one cell has one nuclei, one set of dna and one set of cell membranes, and organelles I believe are all the guts in the cells. I may be wrong sorry

How does wet heat sterilization, such as an autoclave, work to inactivate bacteria and other infectious pathogens?

Answers

Answer and Explanation:

The microorganisms such as bacteria and fungi are basically composed of biological macromolecules (lipids, proteins, polysaccharides). As the temperature increases, the structure of proteins is disrupted and they lose their function. For example, enzymes that catalyze biological reactions are inactivated.

Therefore, wet heat sterilization is a process in which the material is heated during a certain time at a certain high temperature to destroy the microorganisms by producing the denaturation of structural proteins and enzymes.

How are meiosis and mitosis similar?



A.They both produce diploids.

B.They happen at the same time.

C.They both produce sex cells.

D.They both produce new cells.

Answers

Answer:

D.They both produce new cells.

Explanation:

Meiosis and mitosis are both processes of cell division; however, they have many differences. Meiosis occurs in sex cells and produces haploids that can be fertilized. Mitosis occurs in body cells and produces diploids that replace old or damaged cells. Still, both processes result in the creation of new cells.

Answer:

D) They both produce new cells!

Explanation:

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What are the scientific findings that support the view of biological evolution?

Answers

Explanation:

Sir/Miss,

Perhaps the most persuasive fossil evidence for evolution is the consistency of the sequence of fossils from early to recent. Nowhere on Earth do we find, for example, mammals in Devonian (the age of fishes) strata, or human fossils coexisting with dinosaur remains.

The protein calcineurin binds to the protein calmodulin with an association rate of 8.9 × 103 M-1s-1 and an overall dissociation constant, Kd, of 10 nM. The dissociation rate kd is:_____. Please explain step by step.
A. 8.9 × 10^3 M-1s-1
B. 8.9 × 10^2 s-1
C. 1.1 × 10-10 s-1
D. 8.9 × 10-5 s-1

Answers

Answer:

D

Explanation:

From the information given:

Association rate [tex]K_a[/tex] = [tex]8.9 \times 10^3 M^{-1}s^{-1}[/tex]

dissociation constant [tex]K_D[/tex] = 10 nM

dissociation rate [tex]K_d[/tex] = ???

Using the following relation from equilibrium dissociation constant to determine the dissociation rate, we have:

[tex]K_D =\dfrac{ K_d}{K_a}[/tex]

[tex]K_d = K_D \times K_a[/tex]

[tex]K_d =(10*10^{-9} \ M) \times (8.9*10^3 \ M^{-1}{s^{-1})[/tex]

[tex]\mathbf{K_d =8.9*10^{-5} \ {s^{-1}}}[/tex]

plz help
and explain why?

Answers

Answer:

steel plate

Explanation:

steel plate have lustre because steel is coated with zinc.

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Other Questions
In a perpetual inventory system a.the inventory records cannot be computerized. b.the amount of inventory for sale and the amount sold are not listed in the inventory account. c.a count must be made in order to know the inventory amount. d.each purchase and sale of inventory is recorded in the inventory account. The Grimms fairy tales address the experiences of people who are living in difficult situations. For example, there is the story of Rapunzel. There is also the story of Hansel and Gretel, who had to escape their house in order to find food and were locked out.Which revision would best help the author support the thesis more effectively? resented below is information related to Sandhill Enterprises. Jan. 31 Feb. 28 Mar. 31 Apr. 30Inventory at cost $15,750 $15,855 $17,850 $14,700Inventory at LCNRV 15,225 13,230 16,380 13,965Purchases for the month 17,850 25,200 27,825Sales for the month 30,450 36,750 42,000From the information, prepare as far as the data permit monthly income statements in columnar form for february march and april. Darin Company uses a perpetual inventory system. On October 1, Darin Company sold inventory in the amount of $6,500 to Dee Company, terms 2/10, n/30. The items cost Darin $4,200. On October 4, Dee returns some of the inventory. This inventory had a selling price of $500 and a cost of $200. On October 8, Dee Company paid Darin Company the amount due on that date. Use the information above to answer the following question. What journal entry will be prepared by Darin Company on October 8 to record the receipt of payment from Dee What is the area of 4cm7cm8cm Express tan J as a fraction in simplest terms Difference between nightangle and gandhi But I fancy I hear some one of my audience say, it is just in this circumstance that you and your brother abolitionists fail to make a favorable impression on the public mind. Would you argue more, and denounce less, would you persuade more, and rebuke less, your cause would be much more likely to succeed. But, I submit, where all is plain there is nothing to be argued. What point in the anti-slavery creed would you have me argue? On what branch of the subject do the people of this country need light? Must I undertake to prove that the slave is a man? That point is conceded already. Nobody doubts it. The slaveholders themselves acknowledge it in the enactment of laws for their government. They acknowledge it when they punish disobedience on the part of the slave. There are seventy-two crimes in the State of Virginia, which, if committed by a black man, (no matter how ignorant he be), subject him to the punishment of death; while only two of the same crimes will subject a white man to the like punishment. What is this but the acknowledgement that the slave is a moral, intellectual and responsible being? The manhood of the slave is conceded. It is admitted in the fact that Southern statute books are covered with enactments forbidding, under severe fines and penalties, the teaching of the slave to read or to write. When you can point to any such laws, in reference to the beasts of the field, then I may consent to argue the manhood of the slave. When the dogs in your streets, when the fowls of the air, when the cattle on your hills, when the fish of the sea, and the reptiles that crawl, shall be unable to distinguish the slave from a brute, then will I argue with you that the slave is a man! (What to a Slave Is the Fourth of July by Frederick Douglass.)What is Douglasss main argument in this passage?A) The laws about slaves are unfair.B) Slaves are human beings.C) Slavery should be abolished.D) He does not need to argue about whether slaves are human beings because everyone already agrees that they are. The Venn diagram shows three types of numbers: odd (O), even (E), and prime (P).Circles O and P overlap, and circle P also overlaps with circle E.Which is represented by ? write a function rule for the tablef (x) = 3x khairul order one set meal at a restaurant which offer a 20% discount. there is a service charge of 10% and GST is at 7% given that he pays a total of 23.54 find the marked price of the set meal Which of the following was one reason why electronic (computer-based) information sharing was challenging in the not too distant past?a. Individuals and/or members of organizations did not speak the same language.b. Hardware and software applications on either end could not talk to one another.c. The most powerful computers were owned by large companies.d. Organizations needed to protect information for competitive advantage. please help me please 1. Was the Battle of Saratoga the result of American skill or British failures?2. Why was the battle a significant turning point in the Revolutionary War? Drag each label to the correct category.Decide whether each statement describes mass or weight.measured in newtonsmeasured in kilogramsdoes not change whengravity changeschanges when gravitychangesthe amount of matterin somethinga gravitational forceMassWeight Read the following scenario. Imagine you are at a gas station to put some gas in your car, and you see these directions.1. Turn off car engine.2. Avoid the use of cell phones or other electronic devices while pumping gas, since they may cause sparks and result in fire danger.3. Pay with credit card at pump or enter cash into the electronic vendor between pumps 3 and 4. Prepayment is required.4. After entering payment, remove nozzle and select the grade of gasoline desired.5. Remain at your vehicle as you pump gas.6. When finished, return nozzle to pump.7. Collect change and receipt from electronic vendor.According to these directions, which of the following is true?a. It is okay to walk away while pumping gas because there is an automatic shutoff when your tank is full.b. You can pay after you pump if you are using cash.c. You can pay with cash at the electronic vendor between pumps 3 and 4.d. Change is not available, so you should be sure that you do not enter more cash than you can use.Please answer quick. Need ASAP! Assume General Electric (GE) has about 10.3 billion shares outstanding and the stock price is $37.10. Calculate the market value for GE. (Approximately) rosa brought (d) drawings to an art show, after selling 17 of them, she had 22 left.identify the equation that represents this situation and the correct solution. A. d-17=22; d=39B. d+17=22; d=5C. d+17=22; d=39D. d-17=22; d=5 Read the following descriptions and identify the type of risk or term being described:a. This type of risk relates to fluctuations in exchange rates. b. This type of risk is inherent in a firms operations. A standard measure of the risk per unit of return. This can be used to reduce the stand-alone risk of an investment by combining it with other investments in a portfolio.c. A standard measure of the risk per unit of return d. This type of risk relates to fluctuations in exchange rates Stealth Bank is holding $4 million in reserves, $9 million in government bonds and $9.6 million in low risk mortgage loans. Out of the $20 million in customers' deposits, Stealth holds $13.1 million in the form of certificates of deposit. Describe the formula for determining Stealth Bank's net worth and, using the figures above, determine the Bank's net worth. Identify the criteria for classifying a bank as healthy or unhealthy and determine which applies to Stealth Bank in these circumstances.