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Which of the following is not a method by which financial institutions calculate finance charges on credit cards?
Bathypelagic
A region of the ocean depths ranging from 1000 to 4000 meters, known for perpetual darkness and home to a variety of unique life forms.
Abyssal
Pertaining to the depths of the ocean, typically areas between 2,000 and 6,000 meters deep, characterized by cold temperatures and high pressure.
Mesopelagic
A layer of the ocean, also known as the twilight zone, that extends from 200 to 1000 meters below the surface, where only a small amount of light penetrates.
Phytoplankton
Microscopic plant-like organisms that float in fresh or salt water, form the base of aquatic food webs, and produce oxygen through photosynthesis.
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