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Many economists feared that state-imposed restrictions on business and social activities during the pandemic would lead to a rash of corporate defaults. On the contrary, whether because or in spite of massive borrowing by companies to ease their cash flow problems, Moody's has reported a decline in the 12-month default rate for corporate issuers of speculative-grade bonds. At 8.2% at the end of September, the rate is significantly below the 11.2% that Moody's had forecast last April and slightly down from the August rate of 8.7%. Companies have even started to issue bonds with triple-C ratings and investors are snapping them up in search of higher yields. However, only the largest companies seek out ratings when they are about to issue debt. Small businesses, which have been particularly hard hit by the pandemic, typically do not have access to this type of funding. What is the current outlook for them? Also a large part of the improvement for large companies stems from the aggressive stimulus activity initiated by the Treasury and the Fed, What will happen if a second stimulus program fails to pass the Congress? As you come across information relevant to this topic, please add to the conversation. Also begin your own threads on other topics relevant to the content of this unit. Be sure to cite your sources in APA format. Goldfarb, S. (2020). Corporate defaults slow, lifting debt market. The Wall Street Journal, October 26, 2020 (B1,B9). https://www.wsj.com/articles/corporate-defaults-slow-lifting-debt-market-11603704603