Insurance licensees must also carry out stress testing to assess the resilience of their financial resources to any identified areas of material liquidity risk. This stress testing may take into account the general characteristics, and licensee's experience, of the classes of business that it writes, any discounting of its claims provisions, and any mitigating factors that it considers relevant such as the ability to sell assets quickly and the options available to re-schedule the payments to policyholders and other counterparties.