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To: [email protected]
Date: Tue, 23 Dec 2025 14:07:02 GMT
Subject: FHA Rate Guide , Your Mortgage Resource
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FHA Rate Guide , Your Mortgage Resource
http://cookfest.bar/jKqMjpj-3OMQYRFesDT1k1yALg4q-7axWSK7aP4DcoApTxkeng
http://cookfest.bar/6PcVelgqHBP9Qd1ei6u8DRM5NoNrthFwssFPEnw-MhrlsgRMAw
thless beaked jaws, the laying of hard-shelled eggs, a high metabolic rate, a four-chambered heart, and a strong yet lightweight skeleton. Birds live worldwide and range in size from the 5.5 cm (2.2 in) bee hummingbird to the 2.8 m (9 ft 2 in) common
ostrich. There are over 11,000 living species and they are split into 44 orders. More than half are passerine or "perching" birds. Birds have wings whose development varies according to species; the only known groups without wings are the extinct mo
a and elephant birds. Wings, which are modified forelimbs, gave birds the ability to fly, although further evolution has led to the loss of flight in some birds, including ratites, penguins, and diverse endemic island species. The digestive and respi
ratory systems of birds are also uniquely adapted for flight. Some bird species of aquatic environments, particularly seabirds and some waterbirds, have further evolved for swimming. The study of birds is called ornithology.
Birds evolved from earlier theropods, and thus constitute the only known living dinosaurs. Likewise, birds are considered reptiles in the modern cladistic sense of the term, and their closest living relatives are the crocodilians. Birds are descendan
ts of the primitive avialans (whose members include Archaeopteryx) which first appeared during the Late Jurassic. According to some estimates, modern birds (Neornithes) evolved in the Late Cretaceous or between the Early and Late Cretaceous (100 Ma)
and diversified dramatically around the time of the Cretaceous–Paleogene extinction event 66 million years ago, which killed off the pterosaurs and all non-ornithuran dinosaurs.
Many social species preserve knowledge across generations (culture). Birds are social, communicating with visual signals, calls, and songs, and participating in such behaviour as cooperative breeding and hunting, flocking, and mobbing of predators. T
he vast majority of bird species are socially (but not necessarily sexually) monogamous, usually for one breeding season at a time, sometimes for years, and rarely for life. Other species have breeding systems that are polygynous (one male with many
females) or, rarely, polyandrous (one female with many males). Birds produce offspring by laying eggs which are fertilised through sexual reproduction. They are usually laid in a nest and incubated by the parents. Most birds have an extended period o
f parental care after hatching.
Many species of birds are economically important as food for human consumption and raw material in manufacturing, with domesticated and undomesticated birds being important sources of eggs, meat, and feathers. Songbirds, parrots, and other species ar
e popular as pets. Guano (bird excrement) is harvested for use as a fertiliser. Birds figure throughout human culture. About 120 to 130 species have become extinct due to human activity since the 17th century, and hundreds more before then. Human act
ivity threatens about 1,200 bird species with extinction, though efforts are underway to protect them. Recre
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