Or perhaps the training methods? Only when the data was checked, was it realised that the cockpits were at fault: no pilot met all the average measurements. There was no 'average' person (Rose 2016).24 Similarly, people at different stages of life often have different consumption baskets.
Clearly the solution of Fortis back in 2008 serves as a bad example here, when the problems and crisis response were ringfenced across Benelux borders. The new regime ensures that resolution tools can be applied to bank which is active in multiple countries.