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Answer the question based on the following consolidated balance sheet for the commercial banking system. Assume the required reserve ratio is 12 percent. All figures are in billions of dollars: Refer to the above data. The claims of owners in the commercial banking system are equal to:
Cooing
The early vocalization of infants that involves soft, murmur-like sounds, often produced when they are content or exploring their vocal capabilities.
Behavior Rating Scale
A tool used to systematically assess and document individuals' behaviors, often in educational or clinical settings.
Babbling
The stage in child language development where infants produce sounds that resemble speech as an early form of communication.
Receptive Vocabulary
The ability to understand words and language spoken or written by others.
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