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Exhibit 85: Moody’s Liquidity Stress Index and
document IMAGES-003-HOUSE_OVERSIGHT_014603.txt Nov 30, 2016 House Oversight Committee — Epstein Estate Records (Nov 2025)

…er 31, 2016. Source: Investment Strategy Group, JP Morgan. experiencing liquidity problems or are at risk of breaching financial covenants. As seen in Exhibit 85, Moody’s composite Liquidity Stress Index (LSI) began to deteriorate in advance of previous default cycles. Third, th...

Unauthorized use, disclosure or copying of this
document IMAGES-012-HOUSE_OVERSIGHT_032986.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…his communication and all copies thereof, including all attachments. copyright -all rights reserved Landon Thomas, Jr. Financial Reporter New York Times http://topics.nytimes.com/top/reference/timestopics/people/t/landon jr thomas/inde x.html please note The information contai...

Notes to pages 121-129 | 317
document IMAGES-005-HOUSE_OVERSIGHT_019805.txt Jan 5, 2014 House Oversight Committee — Epstein Estate Records (Nov 2025)

…aac, “Apple Still Holds the Keys to Its Cloud Ser- vice, but Reluctantly,” New York Times, Feb. 21, 2016. 121 Consumer Financial Protection Bureau: Newt Gingrich, “A Government Snoop That Puts the NSA to Shame,” Wall Street Journal, July 7, 2015. 122 the FISA court: http://www....

On September 11, 2001, members of the al-Qaeda’ terrorist organization hijacked four commercial airl
document IMAGES-007-HOUSE_OVERSIGHT_023373.txt Sep 11, 2001 House Oversight Committee — Epstein Estate Records (Nov 2025)

… jihad against the United States, set in motion with the formation of al-Qaeda in 1988 and made possible by the massive financial, logistic, and material support provided to al-Qaeda by its collaborators and *9 sympathizers over a period of many years. That support allowed al-Qae...

With Chinese President Xi calling for a heightened effort to
document IMAGES-001-HOUSE_OVERSIGHT_012087.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

With Chinese President Xi calling for a heightened effort to reduce systemic financial risk, regulators have started to tackle the bloated shadow banking system. Since taking office in February, Guo Shuqing, China's top banking regulator—with the nickname “Whirlwind Guo” for his...

Financial Reporter
document IMAGES-010-HOUSE_OVERSIGHT_030357.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Landon Thomas, Jr. Financial Reporter New York Times http://topics.nytimes.com/top/reference/timestopics/people/t/landon jr thomas/index.html HOUSE_OVERSIGHT_030357

Restructure Social Security: Mathematical Illustration #1 —
document IMAGES-006-HOUSE_OVERSIGHT_020970.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…we simply calculate how big a revenue increase AND / OR expense decrease each major entitlement program needs to reach financial break-even. These caiculations are merely mechanical illustrations and are not meant to portray realistic solutions. Note: Increase full retirement a...

Key financial market driver 2 - US policy
document IMAGES-007-HOUSE_OVERSIGHT_024144.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Key financial market driver 2 - US policy Key questions e Will the economic outlook deteriorate? Will QE3 become necessary? e How will the election outcome change fiscal policy deliberations? © Can politicians find an agreement to avoid sharp fiscal contraction in early 2013...

2014 at a groundbreaking ceremony in Summit, N.J., for Celgene, the pharmaceutical
document IMAGES-009-HOUSE_OVERSIGHT_028415.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…yle":"_anf-ts-1"}],"layout":"default— body", "role":"body", "text":"When Bob Hugin joined Celgene in 1999 as its chief financial officer, the company was a struggling biotech that sold just one product ae" a leprosy drug 4€" and faced a shaky future. By the time he stepped down...

Financial Reporter
document IMAGES-010-HOUSE_OVERSIGHT_030395.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Landon Thomas, Jr. Financial Reporter New York Times http://topics.nytimes.com/top/ reference/timestopics/people/ t/landon_jr_thomas/index.html please note The information contained in this communication 1s confidential, may be attorney-client privileged, may constitute inside...

Matthew J. Harrington
document IMAGES-004-HOUSE_OVERSIGHT_017079.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…we J. Heuser Rob Heyvaert William V. Hickey Hans Hickler Heinrich Hiesinger Martin Hilb Philipp M. Hildebrand Chief Financial Correspondent President and Chief Executive Officer, USA Executive Vice-President, Risk and Chief Administrative Officer Chief Executive Officer Vi...

Restructure Social Security: Mathematical Illustration #3 —
document IMAGES-006-HOUSE_OVERSIGHT_020971.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

… we simply caiculate how big a revenue increase AND / OR expense decrease each major entitlement program needs to reach financial break-even. These caiculations are merely mechanical illustrations and are not meant to portray realistic solutions. Note: 1.92% is the estimated actu...

Unfunded Entitlement (Medicare + Social Security) + Underfunded
document IMAGES-006-HOUSE_OVERSIGHT_020965.txt Nov 10, 2009 House Oversight Committee — Epstein Estate Records (Nov 2025)

… as-needed basis every year, therefore, there is no need to maintain a contingency reserve, and, unlike Medicare, the “financial status” of the program is not in question from an actuarial perspective. Here we estimated the net present value of future Medicaid spending through...

between points is also an act of drawing a line around those points. It is not simply
document IMAGES-004-HOUSE_OVERSIGHT_018389.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

…e than that of the gatekeeper. Defining who is in or out of any network is among the most essential moves of design. In financial markets, on the Internet backbone or inside the human immune system, the accept-or-reject decision determines a great deal. The first sign of order br...

Financial Reporter
document IMAGES-011-HOUSE_OVERSIGHT_031603.txt House Oversight Committee — Epstein Estate Records (Nov 2025)

Financial Reporter New York Times http://topics.nytimes.com/top/reference/timestopics/people/t/landon jr thomas/index. please note The information contained in this communication is confidential, may be attorney-client privileged, may constitute inside information, and is inten...