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________ in the currency drain ratio and ________ in the desired reserve ratio ________ the money multiplier.
Cone-bearing Trees
Trees that produce seeds in cones, typically evergreens, such as pines and spruces, which are essential to many ecosystems.
Temperate Deciduous Forest
A type of biome characterized by four seasons, including a distinct winter, and trees that shed their leaves annually.
Taiga
A biome characterized by coniferous forests, extending across a large portion of Canada, Europe, and Asia, known for its cold climate.
Savanna
A mixed landscape of grasslands interspersed with scattered trees and shrubs, often found in tropical or subtropical regions.
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