8  Jason Kilborn, Expert Recommendations and the Evolution of European Best Practices for the Treatment of Overindebtedness, 1984–2010 (Deventer: Kluwer, 2011), p. 11.
In its ICAAP, for example, an institution may choose a solvency standard for overall capital adequacy that is higher than the 99.9 percent implied by the AMA – for example, a solvency standard of 99.95 or 99.97 associated with a certain credit rating.