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

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Text this: INFORMATION VALUE OF S&P CREDIT REPORTS: THE ROLE OF TONES