$4.$ In the capital adequacy section, examine how well RBC maintains sufficient capital to absorb losses and support its operations. Use ratios such as the common equity tier $1($CET$1)$ ratio, the tier $1$ capital ratio, and the total capital ratio to measure RBC$\text{'}$s capital strength. Compare RBC$\text{'}$s ratios with the regulatory standards and industry averages and evaluate its capital planning and stress testing practices.