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According to the text,Basel II agreement had resulted in less total capital and:
Robin
A small, insectivorous bird often recognized by its bright red or orange breast.
Duck-Billed Platypus
An egg-laying mammal native to Australia known for its unique appearance combining traits of both birds and mammals.
Stroop Effect
A phenomenon demonstrating the difficulty in naming the color of a word when the color does not match the word's meaning.
Habit
A repetitive behavior that an individual performs regularly, often unconsciously.
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