Text this: Credit risk pricing in a general framework

  ______     ___      _  __    _____    _    _   
 /_____//   / _ \\   | |/ //  |  ___|| | || | || 
 `____ `   / //\ \\  | ' //   | ||__   | || | || 
 /___//   |  ___  || | . \\   | ||__   | \\_/ || 
 `__ `    |_||  |_|| |_|\_\\  |_____||  \____//  
 /_//     `-`   `-`  `-` --`  `-----`    `---`   
 `-`