Federal examiners who have been laboring inside the largest banks in the U.S. for the past eight weeks are finding that the banking industry in general appears to be healthier than many think. While all of the banks undergoing "stress tests" will pass, many will likely need more capital either from private investors or taxpayers, regulators said. The stress tests, which must legally be conducted outside public view, are raising a number of questions as well as concerns.

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