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

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