We regularly talk to analysts, managers and strategists in different financial institutions. We try to find out what they see as potential risks, or what changes they see on the horizon. And of course, in all this we use expert judgment. We gather data and information and use sophisticated models. But data and models need to be interpreted and assessed.
This is where the experience and the knowledge of our experts come into play. Once we have identified the key risks, we communicate our findings to the public. And we do this twice a year through our Financial Stability Review.