Horizontal gene transfer (HGT), also known as lateral gene transfer, refers to the movement of genetic information across normal mating barriers, between more or less distantly related organisms, but can also be known as the acquisition by an organism of genetic information by transfer, for example via the agency of a virus, from an organism that is not its parent and is typically a member of a different species.
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It depends if you are or not so either b or a
I agree with the answer above.
The kind of ROI Luis demonstrates is : Positive ROI
<h3>Positive ROI</h3>
A positive ROI is defined as when the cost of a financial decision/step is lower than the gain of a financial decision.
Luis takes a loan to help him earn a certificate, the certificate he earns has helped him earn a good salary job which he can use to repay the loan.
Therefore in the long term Luis will have a positive return on investment on his financial decision.
Hence we can conclude that the kind of ROI Luis demonstrates is Positive ROI.
Learn more about ROI here : brainly.com/question/23603222
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