Rephrase it: necessary to ensure financial stability. It is important that the framework imposes market discipline and sends the clear message that it is the primary responsibility of each bank to ensure that it has the loss-absorbing resources available to manage its failure in an orderly manner. However, as we have previously commented on, it is nevertheless important to separately consider the availability of liquidity and the external sources that will in most scenarios need to be obtained. Therefore, as part of, or alongside, the review of the CMDI framework, work should continue with the objective of clarifying access to the public sector backstops for temporary liquidity in resolution. These measures would strengthen and improve the overall framework.