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An Elementary School Science Teacher Decided to Liven Up the Classroom

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An elementary school science teacher decided to liven up the classroom with a saltwater aquarium. Knowing that saltwater aquaria can be quite a hassle, the teacher proceeded stepwise. First, the teacher conditioned the water. Next, the teacher decided to stock the tank with various marine invertebrates, including a polychaete, a siliceous sponge, several bivalves, a shrimp, several sea anemones of different types, a colonial hydra, a few coral species, an ectoproct, a sea star, and several herbivorous gastropod varieties. Lastly, she added some vertebrates-a parrotfish and a clownfish. She arranged for daily feedings of copepods and feeder fish.
-If the teacher had used a dissecting microscope to examine the outer surfaces of the empty bivalve shells, the teacher would probably have seen marks that had been left by


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The total cost of borrowing, including interest and any other charges assessed by the creditor.

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The Annual Percentage Rate, a measure used to calculate the cost of borrowing, including interest and other fees, shown as a yearly rate.

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