I don’t remember the story that well, someone will get it
Most likely: "A midwinter vacation at Club Tropic has its good points and bad points".
It sums up the basic points of the paragraph, and introduces the subject in a more or less general way. And by placing it at the beginning of the paragraph, and reading it out loud or in your head you can see/hear how it suits it.
Answer:
to better compare and contrast American and British social tendencies.
Explanation:
Mark Twain most likely created the character of Henry Adams as an American living in England to better compare and contrast American and British social tendencies. Twain presents this story as a way to show how the way British and American society operate around money is very different. On the one hand, English people believe Adams's claim, and they are willing to lend him things and believe him reputable because of this note. On the other hand, Henry demonstrates to be clever and disciplined with his use of the money, arguably American qualities.
Answer: noun phrase is the answer if the underlined part of the sentence "animals"