My species:
Name: Singular - Reth, Plural - Retha, Adjective - Retha
Description: Robustly built quadripedal aquatic rodent about 1.3m tall, with a thick coat of brown-grey fur.
Breeding Factor: 2 (for 3 EP)
Population Multiplier: 1.25 (but strictly speaking you didn't forbid zero or a complex number for this

)
Physiological traits:
Limbs 6:12EP
A Reth has four legs which allow it to move quickly on land and in water. It also is capable of standing up on its rear legs, but cannot move quickly or effectively while it is doing so. The front paws also double as somewhat dextrous hands, so the Retha can interact with their environment in an advanced fashion.
Fur coat 4:6EP
A Reth has a fur coat which mostly protects the Reth from losing too much heat to the surroundings (especially in aquatic environments). It also protects the Reth from blunt-force trauma, to a moderate extent.
Keen vision 6:12EP
While somewhat lacking in colour vision, Retha vision is rather good, especially in low-light conditions.
Acute hearing 6:12EP
The Retha have rather good hearing, and a good capacity to determine the direction of sound sources.
Extended Underwater Capability* 4:6EP
A Reth can stay underwater for a considerable amount of time
Civil traits:
Communication 3:4EP
The Retha languages are relatively complex, but a bit lacking in their ability to describe abstract ideas.
Technologies: None currently
Supernatural traits: None currently
Alright, this uses all 55EP. Is it good?
* - I can't think of better names for these traits because it's 1 am here.