Why Do Animals That Live in Cold Climates Have Thick

Why do animals that live in cold climates have thick fur coats?

A) Fur reduces convection and traps a layer of air heated by conduction close to the skin, keeping the animal's body warmer.
B) Thicker fur allows animals to better blend into the environment, providing protection from other animals.
C) Fur decreases the surface area-to-volume ratio of the animal so it does not lose as much heat.
D) Fur prevents the formation of ice crystals next to the skin of the animal, which prevents cells from freezing and being damaged by ice.