hence my question to the commissioner are the most changes have been to ensure that this year there is no repeat of the failure last year's stress
Hence my question to the Commissioner: what are the most important changes that have been made to ensure that, this year, there is no repeat of the failure of last year's stress test?
Hence my question to the Commissioner: are the most changes have been to ensure that, this year, there is no repeat of the failure last year's stress