{
    "reference": [
        {
            "keyword": "P3",
            "context": ", and / for default. Finally, Moody's uses P1 and P3, anything below P3 is considered not prime. CREDI"
        },
        {
            "keyword": "P3",
            "context": ". Finally, Moody's uses P1 and P3, anything below P3 is considered not prime. CREDIT RISK The chance t"
        }
    ]
}