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?. D_under, 71)*** RWA t-1 -0.051 (-2.839)*** CAP t-1 -0.062 (-8.293)*** D_AD -2.962 0.460 (-3.77)*** (4.388), .532)** (2.765)*** SIZE 0.442 0.129 (3.752)*** (2.400)** GDP -0.218 0.118 (-1.907)* (4.338)***