Since the Pleistocene Ice Age, Deserts Have Been Gradually Forming

question 10

Multiple Choice

Since the Pleistocene ice age, deserts have been gradually forming in the southwestern United States. As the original lakes and rivers of this area shrank into isolated streams, ponds, and springs, the fishes living in them developed a strong potential for:

• A)speciation.
• B)hybridization.
• C)mechanical incompatibility.
• D)temporal isolation.
• E)hybrid inviability.

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Definitions:

Banking System

The network of banks and financial institutions that provide banking services, including deposits, loans, and currency exchange.

Required Reserve Ratio

The minimum percentage of deposits that a bank must hold in reserve and not lend out.

Excess Reserves

Funds that banks hold over and above the required reserve ratio set by the central bank, often earning interest.

Checkable Deposits

Bank accounts from which individuals can deposit and withdraw money using checks, ATM transactions, and electronic payments.