on the basis of economic forecasting reports from the world's renowned economists, u.s. policymakers determine that the nation is at the brink of a severe financial crisis triggered by faulty mortgage loans. based on the findings of the economists, the federal government decides to determine the ability of the nation's banks to remain resilient in the event of a crisis. the government also seeks to provide loans to banks that are experiencing a large number of debt defaults. in this scenario, which of the following can the government use to determine banks' ability to withstand defaults on the debt they are owed?