Direct marketing to teens still happens often not in person, but typically through social media platforms, online videos and other online methods
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Whats going on here is very different this is the banks trying to convince rating analysts to make changes to their methodology, and thats really crossing the line. Crafting the Recipe Credit rating agencies letter grades signal their judgment as to which debts are safe to buy and which ones carry a higher risk of nonpayment, or default akin to credit scores banks look at before they decide to make home loans
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The sum of $1 of production or investment in the other sectors is $0.896$1.360 (coal), $0.880$1.214 (crude petroleum and natural gas), $1.185$1.711 (metal ores), and $1.522$1.716 (non-metallic mineral mining), respectively
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