Biology help please

[Basil.J]

hello everybody i am struggling to understand how to answer igsce biology questions, i know the theory well but dont know the format of answering questions. for example if given a five mark question( Explain how some mammals are able to stay in cold water for a long time?, 0610/31/M/J/12)
Is it five points( NO EXPLANATIONS) i have to write or four points with explanation