Answer:
My first is twice in apple but not once in tart. My second is in liver but not in heart. My third is in giant and also in ghost. Whole I'm best when I am toast.
I'm furry with a bushy tail and I love to collect nuts. What am I?
To you, rude would I never be, Though I flag my tongue for all to see.
They're actually great swimmers now, but later they will become excellent hoppers.
I am black and white with a fishy diet. I cannot fly but I'm an excellent swimmer. What am I?
They are many and one, they wave and they drum, Used to cover a state, they go with you everywhere.