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            ______   ______    __   __   _____    
  ____     /_   _// |      \\  \ \\/ // |  __ \\  
 |    \\    -| ||-  |  --  //   \ ` //  | |  \ || 
 | [] ||    _| ||_  |  --  \\    | ||   | |__/ || 
 |  __//   /_____// |______//    |_||   |_____//  
 |_|`-`    `-----`  `------`     `-`'    -----`   
 `-`

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Text this: Credit rating and adverse selection cost