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A decline in bank lending has the most significant effect on
Fraternal Twins
Twins that develop from two different eggs fertilized by two different sperm, making them genetically distinct, similar to regular siblings.
Identical Twins
Twins who develop from a single fertilized egg that splits and forms two embryos, sharing 100% of their DNA.
Heritability
A measure of how much of the variation in a trait among individuals within a population is due to genetic differences.
Heritability Estimates
Statistical measures that indicate how much of the variation in a trait within a population can be attributed to genetic differences.
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