The Next Few Questions Refer to the Following Description

question 30

Multiple Choice

The next few questions refer to the following description.
In the ocean, on either side of the Isthmus of Panama, are 30 species of snapping shrimp; some are shallow-water species, others are adapted to deep water. There are 15 species on the Pacific side and 15 different species on the Atlantic side. The Isthmus of Panama started rising about 10 million years ago.
In the following figure, the isthmus separates the Pacific Ocean on the left (side A) from the Atlantic Ocean on the right (side B) . The sea water on either side of the isthmus is separated into five depth habitats (1-5) , with 1 being the shallowest.

-Which of these habitats is likely to harbour the youngest species?

• A)A5
• B)B4
• C)A3
• D)B2
• E)A1

---

Definitions:

Financial Intermediaries

Institutions that act as middlemen in financial markets, facilitating transactions between borrowers and lenders or investors.

Credit Risk

The risk that a borrower may default on any type of debt by failing to make required payments.

Diversify

A risk management strategy that mixes a wide variety of investments within a portfolio to minimize the impact of any single investment's poor performance.

Commercial Banks

Financial institutions that accept deposits, offer various loans, and provide other financial services to businesses and individuals.