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Provide a short answer:
 
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 . Thus, it will aid animals in withstanding temperatures in cold climates. This fat layer also food that the body can use when food is .