Amy Crews Cutts details how credit scores are built, what factors and variables may contribute to how they are evaluated, how credit scores from FICO and others have evolved, and the limits to the formulas and data used in building the models that provide credit scoring. Richard Green asks questions about how debts differentiate in the calculations, the issues with using outdated FICO scoring models, and what can be done regarding social disparities created by flaws in credit scoring.

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Nela Richardson outlines factors to consider in determining investment strategy and evaluating the economic outlook. Richardson covers how management of COVID-19 will shape the recovery, the shape of the overall recession, how past and likely future government stimuli help bridge gaps, and what a long-term growth perspective can do for resilient investing. Richard Green asks questions regarding how bonds have changed; the fate of office space and brick-and-mortar retail; whether the latest corporate commitments to diversity, inclusion, and anti-racism will follow through on their promises; what businesses are moving as a result of lockdowns; and more.

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Lois Takahashi moderates a discussion on how COVID-19 is impacting state and local budgets with Tracy Gordon and Carolyn Coleman. Gordon outlines the nationwide declines in revenue are dramatic and could take up to 10 years for unemployment to fully recover. Coleman’s focus on the local picture illustrates that across the board, cities of all sizes are coming up against a variety of shortfalls in revenue and a likely reduction in services. Richard Green fields questions alongside Takahashi regarding how online retail is impacting tax revenue, how inequities are increasing during the pandemic, and the opportunities that this massive fiscal and social shakeup may provide.

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