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  ____      _____    _    _     ______   __   __  
 |  _ \\   |  ___|| | \  / ||  /_   _//  \ \\/ // 
 | |_| ||  | ||__   |  \/  ||   -| ||-    \   //  
 | .  //   | ||__   | .  . ||   _| ||_    / . \\  
 |_|\_\\   |_____|| |_|\/|_||  /_____//  /_//\_\\ 
 `-` --`   `-----`  `-`  `-`   `-----`   `-`  --`

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Text this: International Prudential Regulation, Regulatory Risk and Cost of Bank Capital