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The risk-free rate is equal to the real rate of return plus
Marine Animals
Organisms that live in saltwater environments, including oceans, seas, and coral reefs, and exhibit diverse adaptations for survival in such habitats.
Hot Spots
Geographic locations with significantly higher temperatures and biodiversity, often associated with volcanic activity.
Endemic
Refers to a species or condition that is native and restricted to a certain geographical area, not found naturally elsewhere.
Mass Extinction
An event in which a significant proportion of all life forms on Earth becomes extinct in a relatively short geological period.
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