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lot of people I talked with during the financial crisis thought that something seemed amiss as brokerages and credit-ratings services were issuing, what I liked to call, "happy thoughts" about the economy even though it sure seemed that we were headed over the falls in a thimble.
Among the upbeat outlooks were the ratings of complex debt securities, which quickly deteriorated and led to billions of dollars of investor losses. According to The Wall Street Journal and former Moody's analyst, Eric Kolchinsky, Moody's gave high ratings to complicated debt security in 2009 with knowledge that it would downgrade assets that backed the securities.
lot of people I talked with during the financial crisis thought that something seemed amiss as brokerages and credit-ratings services were issuing, what I liked to call, "happy thoughts" about the economy even though it sure seemed that we were headed over the falls in a thimble. Among the upbeat outlooks were the ratings of complex debt securities, which quickly deteriorated and led to billions of dollars of investor losses. According to The Wall Street Journal and former Moody's analyst, Eric Kolchinsky, Moody's gave high ratings to complicated debt security in 2009 with knowledge that it would downgrade assets that backed the securities.
Despite what my driver's license might say, my teenage years don't seem that far behind me. The hormonal shifts, the looming life decisions, the constant dissatisfaction with one's appearance ... confidence was never at the top of the list for 
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