Final answer:
Fungi are multi-celled organisms that thrive in damp, warm places such as between toes or under nails. Contact with dermatophytic fungi in warm, moist environments can lead to fungal infections.
Step-by-step explanation:
The organisms described in the question are fungi. Fungi are multi-celled organisms that thrive in damp, warm places. They can be found between the toes or under the toe nails and fingernails. Contact with dermatophytic fungi, especially in warm, moist environments, can lead to fungal infections.