Lending, bond ratings, and economic growth are all related. If you'd like to include a graph of Templeton's bond rating to historic levels of stabilization fund I would be very interested to see how that correlates as you have specified. However, as I see it, it would seem that the bond ratings were a sign of the times and have increased naturally not due to better financial management but due to economic growth in both then Securitized Credit and GDP levels.
Thanks for the chart,
The costs will be the costs but it does seem that you do better when you have savings in sufficient amount to weather an economic storm so to speak. The more you have in savings and the better savings plan the better you seem to do when borrowing.
posted by Jeff Bennett