Arctic wolves are found only in the most northern areas and lemmings are located in the Northeastern Greenland, in a small rural zone between the ice sheet and sea ice pack with almost no vegetation, while many of the other animals live more wide spread across the country.
Formal trust account. A formal trust is an account that holds equity in trust for a minor, allowing you to ensure the financial well-being of your dependents. When minors reach the age of majority, they can open their own accounts and transfer the assets from their trust accounts to their new personal accounts.
Key Difference: Formal is often associated with the conventional or etiquette. Formal and informal are antonyms to each other. Formal defines an official style or manner. On the other hand, informal can be associated with a casual or a friendly manner. Thus, anything that is associated with the 'formal' attribute is regarded to be in accordance to certain rules and regulations or based on a standard format.