The regulatory minimum set by Europe's Capital Requirement Directive (CRD) is 4%, while the 6% standard was in line with the benchmark used in last year's US stress test.

欧洲资本要求指令（CRD）设定的最低监管要求为4%，6%的标准与去年美国压力测试中的基准相符。

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Here's an even quicker test: Ask the caller on the phone to provide his or her CRD number.

FORBES: Hey, Buddy, Want A Share?