The term WARTY-SKINNED AMPHIBIAN can be summarized as a TOAD, which is a four-letter word. Toads are amphibians that have warty skin and are found in many parts of the world. They are usually terrestrial animals, but they can also live in water. Toads have short legs and long bodies, and they feed on insects, worms, and other small animals. Toads are known for their loud croaking sound, which is used to attract mates.