Answer: D. a poorly developed subcutaneous fat layer.
Step-by-step explanation:
Newborns especially premature or relatively light ones are more susceptible to hypothermia because they lack adequate subcutaneous body fat.
This fat is usually placed under their skin during the last few weeks of pregnancy which is why the aforementioned are the most at risk.
That's not to say that healthy babies are fine either, but they have more subconscious fat tissue than the Newborns and underweight.