Discussions in this course are set up as Literature Review. You are supposed to compare and contrast the opinions of the authors of the articles provided in the weekly Learning materials, present the important information, data (if applicable), statistics (if applicable) to support your conclusions. It is important that the Literature review is written in your opinion words with small quotes from the articles. Use evidence to support your response and incorporate formatted in-text citations and references to credit your sources.

Discussion Question:

There is a fundamental flaw in the credit rating agency process - the issuer of securities pays for the rating? How can this fundamental flaw be repaired going forward and why is that the best solution compared to other alternatives?