21.   The test was based on stringent criteria and the conclusion that Bank Bumiputera would need new capital was based on a worst case scenario basis.

22.   He also cited the very stringent criteria set for regulatory approval by the federal Food and Drug Administration.

23.   Croatia has set stringent criteria for Serbs from Croatia to be allowed to return.

24.   Several other states, under more stringent criteria, may grant licenses when an applicant proves a need to carry a gun.