Existence of second partial derivatives does not justify the Hessian test

Define $f(0,0)=0$ and, elsewhere,All first and second partial derivatives exist at the origin: $f_x=f_y=f_{xy}=f_{yx}=0$ and $f_{xx}=f_{yy}=2$. Thus its Hessian matrix there is the positive-definite matrix $2I$. Nevertheless $f(t,0)=t^2>0$ and $f(t,t)=-t^2<0$ for $t\ne 0$, so the origin is a saddle point of a scalar function. A valid second-derivative test needs a second-order Taylor expansion with a remainder $o(x^2+y^2)$; continuous second partial derivatives in a neighborhood are a sufficient hypothesis. Existence of those derivatives at the point alone does not supply this hypothesis.