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

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