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

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