The Polar Bear has a thick, well-insulated fur coat and a layer of fat which protects its body from the intense Arctic cold.
(The Polar Bear; has; a thick, well-insulated fur coat and a layer of fat) (fat; protects; its body; from the intense Arctic cold)
The Polar Bear fat
has protects
a thick, well-insulated fur coat and a layer of fat
its body from the intense Arctic cold