Provide a concise reply to the question below.
 
Animals of colder regions and fishes of cold water have thicker layer of subcutaneous fat. Describe why?
 
The subcutaneous fat layer is  in animals and fish that live in colder climates or colder water. This layer acts as an  and stops the body from losing heat. Thus, it will aid animals in withstanding . This fat layer also  food that the body can use when food is insufficient.