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Banking Bill

It would be unwise for me to go further in that regard. Should it ever become necessary for the courts to give that degree of precision, the word ““reasonably”” would certainly take one in the direction in which the noble Lord is encouraging me to go—but I would rather not go any further than I have. Given that a test of reasonable likelihood for the second test provides the right level of reassurance to interested parties that voluntary or regulatory action can no longer be relied upon to resolve matters, while increasing the prospect of a substantial resolution, I therefore hope that this explanation will be sufficient to induce the noble Baroness to withdraw her amendment.