Peter Winter — Wedbush Securities — Analyst
Your question that is next is Erika Najarian of Bank of America.
John M. Turner — President and Ceo
Good Morning, Erika.
Erika Najarian — Bank of America — Analyst
Hi, good morning. My real question is for Barb, if i really could. So that the final time, areas experienced DFAS, the nine quarter loss price had been 3.9% under severely adverse versus the Fed-run test at 6.5%. And I also can easily see the historic bias into the CRE bucket but i am wondering, Barb, us a sense of what the difference is particularly in where they think your C&I loss rate would be in such a scenario versus yours if you could give? Which is a fairly wide space here. As well as in the absolute most impacted companies that you outlined for people is just a cumulative loss price over couple of years of around 6% to 7per cent like we saw when you look at the GFC fair? Or do you believe there is simply, strong sufficient underwriting that payday loans Texas will preclude that situation from unfolding?
Barbara Godin — Chief Credit Officer
Well, we constantly understand, firstly, Jennifer Phonetic that people’re always planning to have enhance losings of these times during the anxiety. Therefore, we’ll begin with that. So we additionally understand, and I also feel actually comfortable with this as stating that as undeniable fact that our underwriting changed, our danger administration is actually strong. The company that is entire dedicated to general danger administration.