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A Test Europe’s Banks Mustn’t Fail The E.C.B. needs to recall lessons from Japan and the U.S. on how to use stress tests. FRANCESCO GIAVAZZI and ANIL K. KASHYAP February 18, 2014 at 5:00AM http://nyti.ms/1cPuzwm http://bit.ly/1cPuys2 International New York Times Opinion Banking and Financial Institutions, European Sovereign Debt Crisis (2010- ), Regulation and Deregulation of Industry