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Learn the skill
Birds and mammals are endotherms, often called warm-blooded. Familiar reptiles such as lizards and turtles, amphibians, and most fish are ectotherms, often called cold-blooded. Use the animal's group, not whether its home is warm or cold.
Worked example
A dolphin lives in water but is a mammal, so it is warm-blooded. A goldfish also lives in water but is an ectotherm. Living in water does not decide the group.