During type rating training of an overseas crew consisting of experienced captain and very inexperienced 250 hour first officer, I observed an ILS where the captain was hopelessly unstable at 500 ft visual; the flaps had blown back due excess speed, thrust levers idle, gear only just locked down, speed Vref +30 knots, sink rate 1500 fpm. And this was a 737.
The SOP for that company required the PM to call "Stable" at 500 afl.
Although it was clear for the last 5 miles of the ILS the aircraft was never going to be able to land safely due poor flying by the captain (a 12,000 hour veteran) the F/O kept quiet for cultural reasons - this despite assertiveness training and whatnot.
Passing 500 ft the F/O called "500 feet-stable". The instructor froze the simulator and asked the F/O recall the definition of a stable approach in the 737.
The F/O was slow to answer and then said "I don't know - the book says call "Stable" at 500 feet and that is what I did...
His previous support calls were all word perfect - and so was the last one I suppose...