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Which of the following is NOT a function of a depository institution?
Warmer Temperatures
Increases in the average temperature of the Earth's atmosphere and oceans, often discussed in the context of climate change.
Species Ranges
The geographical areas where individual species are found, influenced by factors like climate, habitat, and ecological competition.
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.
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