more clean up
clean up conclusion
don't include terms that are not used in the rest of the doc
better, but still sucky, spread definition
more comments on how to do better for the next version
European changes were different. Occured in June, called the "little bang," different default spreads.
get rid of debt definitions filler. Too much detal given high level approach of the paper.
do not use a.k.a.
biggest flaw in current version