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Commercial banks in aggregate have more assets than of savings institutions.
Independence
The condition of a nation, country, or state which exercises self-government, and sovereignty over its territory.
Mastery
A high degree of skill or expertise in a particular field or activity.
Crowdfunding
Asking for small donations from a large number of people, often using the Internet; a style of generating capital to start a business through social media.
Collaborating
The act of working together with one or more people to achieve a common goal, often involving sharing knowledge, learning, and building consensus.
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