To accurately compare the lake water and the hot coffee, we need to consider both total thermal energy and the average kinetic energy (which relates to the speed of the particles) of the particles in each.
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Total Thermal Energy: The lake, being much larger in mass, will have significantly more total thermal energy than the coffee, regardless of the temperature difference.
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Particle Speed: The particles in the coffee are hotter, which means they will be moving faster than the colder particles in the lake water.
Thus, the most accurate statement is:
The lake will have more total thermal energy, but the particles in the coffee will be moving faster.