That is a very interesting concept, and one I haven't heard of before.
I thought this comment was very enlightening: "especially in large financial services companies, there is a high degree of professional collaboration across companies and this might lead to outcomes which reflect a collective, rather than a specific firm, view."
If this is true now in how large TBTF financial services firms are completing their risk assessments now, we will continue to have serious systemic risk. They can't all be thinking the same way.