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</html><thumbnail_url>https://policyoptions.irpp.org/wp-content/uploads/2025/08/WordPress-Image-4-14.jpg</thumbnail_url><thumbnail_width>2000</thumbnail_width><thumbnail_height>700</thumbnail_height><description>Standard &amp; Poor&#x2019;s long-awaited downgrade of the US credit rating was no surprise, but it does encourage reflection. The rating agencies are not people one should trust with the family jewels. Remember, their business has been to rate the paper of companies which pay them for rating their paper. They gave AAA ratings to mortgage-backed [&hellip;]</description></oembed>
