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3. Benmelech, E., Dlugosz, J., 2009. The Credit Rating Crisis. Working Paper, Harvard University.
4. Blankfein, L., 2009. Do not Destroy the Essential Catalyst of Risk. Financial Times, February 8.
5. Bongaerts, D., Cremers, M., Goetzmann, W.N., 2010. Tiebreaker: Certification and Multiple Credit Ratings. Working Paper, Yale University.