Ave Rating Agencies Become More Conservative? Implications for Capital Structure and Debt Pricing

This is a summary of an article that I will attach. Please write a summary and include the following:
summary of the article
you opinion on the points mentioned in the summary
conclusion having the summary and your opinion.

Please include any tables or graphs where you think might apply.

If you have any questions, please feel free to ask, as I am running out of time on this assignment

Added on 15.04.2015 22:44
The article is attached. Also, I will attached a pdf file that found on the internet that might be helpful for you, but donT rely on it or refer to it in the writing ( this is for only your info). Just refer to original article that has been attached.

If you have any questions, please feel free to ask.