Some observers now feel that in view of this reduced risk, the regulatory capital banks are required to hold may be excessive and could be better employed elsewhere.
Under such circumstances, plan sponsors may be motivated to take excessive risks, as investment consultants and investment managers seek to maximize fees.
Strange though it may sound, they believe the only way to recover from a financial crisis caused by excessive debt may indeed be for the government to borrow more.
Doctors who have an excessive mortality rate may be retrained or told to stop operating, Mr Dobson said.
When hard times come, central banks may be able to raise interest rates, prevent excessive currency volatility and stick to their inflation targets.
Whatever Avigdor Lieberman's drawbacks may be, they clearly don't include excessive worship of the international community's taste for opulent statecraft or a desperate desire to be loved by Europe.
Excessive fear of the cliff may already be priced into the markets, opening the door for a relief rally when the eventual reality is less severe.
The biggest supply-side obstacle to future growth may no longer be (if it ever was) excessive regulation or inflexible labour markets, but a corporate culture that finds it easy to tolerate low returns and difficult to tolerate outright failure.
They said patients may be exposed to greater risks from the effects of "excessive workload".
To avoid excessive rudeness, all Northern Irish parties may be excluded.
Pay packages will have to be designed to prevent excessive risk-taking, which may involve deferring as much as 60% of managers' bonuses.
That may be an indication it has further to go on the upside, since excessive excitement about a gold rally is usually seen before its rallies end.
Not to state the obvious, although apparently it must be done: companies, whatever benefit you get by taking advantage of a moment of misfortune through excessive pricing or tacky advertising is not worth the backlash you may be hit with in this era of instant communications and 24-hour news cycles.
Falling fertility has taken much of the urgency out of the debate about population growth, at least among experts, since it seems to be solving the problem of excessive births (a view criticised by Mr May, who points out that even if fertility has declined, the momentum of change means populations will go on rising for a while).
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