

I haven't looked downstairs yet. I’m writing this because the file size of 0098.avi is growing. It’s 1.2GB now. It’s still recording. To help me give you exactly what you're looking for:
It wasn't a person, but it had the suggestion of one. It was a high-angle shot of a basement—my basement. Or at least, a perfect replica of it. The camera was positioned exactly where my smoke detector is. In the center of the frame stood a figure draped in a heavy, wet-looking wool coat. It didn't move, but the video quality was so degraded that the pixels around its head seemed to swarm like flies.
The file size was strangely large for a video with such a short duration—nearly 800MB for only 12 seconds of footage. When I double-clicked it, my media player struggled to load. The screen stayed black for six seconds. There was no sound, just the low, oppressive hum of digital white noise that seemed to vibrate the desk under my hands. At the seven-second mark, the image flickered to life.
Below is a creative "full text" reconstruction of the story as it is often told in online horror circles: The 0098.avi Incident
|
Evaluating LGD:
S&P Global Market Intelligence's LGD scorecards are used to estimate LGD term structures. These Scorecards are judgment-driven and identify the PiT estimates of loss. The Scorecards are back-tested to evaluate their predictive power on over 2,000 defaulted bonds.
The Corporate, Insurance, Bank, and Sovereign LGD Scorecards are linked to our fundamental databases, meaning no information is required from users for all listed companies and for a large number of private companies.
Final LGD term structures are based on macroeconomic expectations for countries to which these issuers are exposed. Fundamental and macroeconomic data is provided by S&P Global Market Intelligence, but users can again easily utilize internal estimates.
|
Source: S&P Global Market Intelligence; for illustrative purposes only.
|
I haven't looked downstairs yet. I’m writing this because the file size of 0098.avi is growing. It’s 1.2GB now. It’s still recording. To help me give you exactly what you're looking for:
It wasn't a person, but it had the suggestion of one. It was a high-angle shot of a basement—my basement. Or at least, a perfect replica of it. The camera was positioned exactly where my smoke detector is. In the center of the frame stood a figure draped in a heavy, wet-looking wool coat. It didn't move, but the video quality was so degraded that the pixels around its head seemed to swarm like flies.
The file size was strangely large for a video with such a short duration—nearly 800MB for only 12 seconds of footage. When I double-clicked it, my media player struggled to load. The screen stayed black for six seconds. There was no sound, just the low, oppressive hum of digital white noise that seemed to vibrate the desk under my hands. At the seven-second mark, the image flickered to life.
Below is a creative "full text" reconstruction of the story as it is often told in online horror circles: The 0098.avi Incident

The team at S&P Global Market Intelligence specifically designed our IFRS 9 solutions to meet this requirement. To learn more about our robust, efficient, and transparent IFRS 9 offering
| Contact us to enquire about our IFRS 9 Solutions |
|
On-Demand Webinar
![]() IFRS 9 for Insurers: Implementing a Robust,
Efficient and Transparent Methodology
Gain a practical demonstration to produce the new ECL calculations as required by IFRS 9, to avoid the black box effect.
|
On-Demand Webinar
![]() Coronavirus Insights: An Outlook
on Corporate Credit risk in Europe and
IFRS 9 Implications
We provide insights into the state of credit risk of
unrated companies, and explore the impact of
macroeconomic factors on IFRS 9 impairment calculations.
|
Blogs
![]() IFRS 9 Blog Series
Read our three part blog series to help insurance companies tackle the changes to meet IFRS 9 credit impairment requirements
|