Where are B-cells and T-cells formed? How do they differ from each other?

Explanation

### Step-by-Step Solution:

1. **Formation of B-cells and T-cells**:
- Both B-cells and T-cells are part of the immune system and are initially formed in the **bone marrow**.

2. **Maturation of B-cells**:
- After their formation in the bone marrow, **B-cells** mature in the same location, which is the **bone marrow**.

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