Human: What are the differences between a frog, toad and a lizard? Assistant: 
Frog: Frogs have smooth skin and webbed feet. They live in water or moist areas and eat insects. Toad: Toads have dry, warty skin and sticky pads on their toes. They live in dry areas and eat worms, slugs and snails. Lizard: Lizards have scaly skin and sharp claws for climbing trees. They live in dry areas and eat insects, worms and small mammals.