The trend toward lifetime learning also shows through in the enrollment statistics for higher education. Today, more than 20 percent of the students in U.S. institutions of higher education are age 35 or older, up from less than 15 percent in 1985. In part, this increase has been fueled by the rising number of part-time students and of enrollees at two-year colleges.
The comprehensive assessment is likely to cause some unease since the ECB will hardly be able to meet the market’s sometimes unrealistic expectations. For example, it will not be possible to assign a specific euro amount to capital needs until the entire process – that is, BSA and stress test – has been completed. The comprehensive assessment also represents a major opportunity, however.