@libroraptor The regulators were legally required to take all that stuff into account, and under supervision of courts, they did.
The federal system with jurisdiction there, setting aside state and local here, has multiple levels of independent review to make sure everything is being checked out, and lord knows they took their time conducting the assessment.
In my opinion the balance is a bit too far on the side of caution, but reasonable people can disagree on that.
But yes, the assessment took these things into account, as per the legal requirements to do so.