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Quick ratings agency update. Al Franken has introduced an amendment that reforms the way ratings agencies compete for business. Dave Dayen explains.  Meanwhile, over at Rortybomb, former Moody’s director Jerome Fons suggests that this is a good idea but not a sufficient one. He wants to remove the regulatory reliance on ratings and then crowdsource ratings by making the details of every security public knowledge. You can read the whole thing here.

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We have an ambitious $350,000 online fundraising goal this month and we can't afford to come up short. But when a reader recently asked how being a nonprofit makes Mother Jones different from other news organizations, we realized we needed to lay this out better: Because "in absolutely every way" is essentially the answer.

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