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Standardization of financial instruments has occurred as a result of:
Hypodermis
The innermost layer of the skin, composed primarily of fat and connective tissues, providing insulation and cushioning for the body.
Reticular Region
The deeper layer of the dermis in the skin, composed of dense irregular connective tissue featuring collagen and elastin fibers.
Papillary Region
The uppermost layer of the dermis, featuring finger-like projections called papillae that increase surface area for nutrient exchange and grip.
Arrector Pili
Small muscles attached to hair follicles in mammals, contraction of which causes the hair to stand on end.
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