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      <image:title>News &amp; Insights - Covid-19 and The Credit Cycle: Revisited and 2021 Outlook</image:title>
      <image:caption>Source: E. Altman, NYU Salomon Center, Capital IQ (S&amp;P)</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57b5d617cd0f68597a858559/1617892770764-DGU9YFRIJ9YRCSONG3LL/C19CC.5..JPG</image:loc>
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      <image:title>News &amp; Insights - Covid-19 and The Credit Cycle: Revisited and 2021 Outlook</image:title>
      <image:caption>Sources: Data Compiled by the author From Various Forecasting Services</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57b5d617cd0f68597a858559/1617892623413-4IRXKXI9HGQZF4DSP2OD/C19CC.1..JPG</image:loc>
      <image:title>News &amp; Insights - Covid-19 and The Credit Cycle: Revisited and 2021 Outlook</image:title>
      <image:caption>Sources: FRED, Federal Reserve Bank of St. Louis and Kroll Bonding Rating Agency/Altman High-Yield Default Rate data.</image:caption>
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      <image:title>News &amp; Insights - Covid-19 and The Credit Cycle: Revisited and 2021 Outlook</image:title>
      <image:caption>Source: E. Altman (NYU Stern Salomon Center) and KBRA, using data from New Generation Research, Boston, MA</image:caption>
    </image:image>
    <image:image>
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      <image:title>News &amp; Insights - Covid-19 and The Credit Cycle: Revisited and 2021 Outlook</image:title>
      <image:caption>https://sites.law.duke.edu/thefinregblog/</image:caption>
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    <image:image>
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      <image:title>About - Diversity</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57b5d617cd0f68597a858559/1605563980520-HY0LPNTMTSD3FQNYBUNI/Banners-20201027_our-commitments.jpg</image:loc>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57b5d617cd0f68597a858559/1608687034501-ZKBNZT4I61QE2486GG1G/header_about.jpg</image:loc>
      <image:title>About</image:title>
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  <url>
    <loc>https://www.sebasearch.com/matt-stingone</loc>
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    <lastmod>2022-11-17</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/57b5d617cd0f68597a858559/1628588344369-MF3GZTKN1L6BZ2U4VQ6S/MattStingone-Final.jpg</image:loc>
      <image:title>Matt Stingone</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/57b5d617cd0f68597a858559/1476297047145-Y59F8HZWH2DT3ZLOG8O1/icons-02.png</image:loc>
      <image:title>Matt Stingone - Matt Email</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/57b5d617cd0f68597a858559/1476297160781-35SQBPXGUC6W0K0NO4B7/icons-01.png</image:loc>
      <image:title>Matt Stingone - Matt Stingone</image:title>
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      <image:title>Lara Friedman</image:title>
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      <image:title>Lara Friedman</image:title>
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      <image:title>Lara Friedman</image:title>
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