Problem: Why is insulation more important to endotherms than ectotherms?

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Endotherms are warm blooded animals that have the ability to regulate their body temperature by themselves. During cold weather, they increase metabolic heat production to keep their body temperature constant. They need insulation in order to lessen energy expenditure and to ensure that the heat remains longer.

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Why is insulation more important to endotherms than ectotherms?