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_______ guidelines specify that color alone should not indicate information, for example, a text link.
Bond Rating Agencies
Independent firms that assess the creditworthiness of both debt securities and their issuers.
Restrictive Covenants
Clauses in contracts that restrict certain actions of the parties involved to protect business interests.
Default Risk
The likelihood that a borrower will be unable to make required debt payments.
Qualitative Factors
Non-numeric considerations that influence decision-making, such as company reputation, brand strength, or employee morale.
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