  Recently, a general result for evaluating the path integral at one loop was
obtained in the form of the Universal One-Loop Effective Action. It may be used
to derive effective field theory operators of dimensions up to six, by
evaluating the traces of matrices in this expression, with the mass-dependence
encapsulated in the universal coefficients. Here we show that it can account
for loops of mixed heavy-light particles in the matching procedure. Our
prescription for computing these mixed contributions to the Wilson coefficients
is conceptually simple. Moreover it has the advantage of maintaining the
universal structure of the effective action, which we illustrate using the
example of integrating out a heavy electroweak triplet scalar coupling to a
light Higgs doublet. Finally we also identify new structures that were
previously neglected in the universal results.
