I literally wanted to vomit every time I heard the phrases "credit in the bank" and "test match animal". Reality is they are just excuses for out of form players. Look at Farrell. Out of form for England for a while now, didn't look like he was in any kind of form for the Lions, yet still picked. Came on and did...I think kicked one penalty. Other than that he made no contributions to the tests. Finn Russell came on and the game changed, yes he was injured for the first 2 tests, but was he likely to play anyway? For me Gatland was forced into picking Russell and Simmonds as it became clear that the team in the first 2 games had 0 ability to change a game if things were going wrong, not because he wanted to.