If the water is salty like in the oceans, as the water freezes the salt is pushed out making the water denser making it sink to the bottom in a current to keep climate cool and the surface currents warm the artic. The way it effects life is, it makes a passageway over the freezing water across so that you won't freeze to death swimming. And it helps migration too. The Sub-zero waters keep algae from growing, which is good because most are hibernation.
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LAKE SUPERIOR BRO!
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The answer is d or c but I think it’s b. Hope this helps!
Respiratory- You breath faster to help supply the muscles with more oxygen.
Integumentary (skin) - Sweat helps cool down the body.