Rating organizations have regularly upgraded or downgraded the ratings assigned to mortgage pools as the repayment and default rates have differed from expected. According to Brigham and Ehrhardt (2018), securitization allows investors to reduce their information costs by relying on the rating agency. However, because of the complexity of how pools may be structured, the new mortgage products that can be securitized, and the potential for unstable economic conditions, past performance of other pools may not accurately reflect the risk inherent in new securitizations. What do you see as wrong with this scenario of upgrading and downgrading securities based on a structured pool of assets to appeal to different risk, diversification, and income taste?