Chart 3. The title is "Credit Risk Premiums for High-Yield Bond Issues Have Increased Sharply." This is a line graph showing that the basis point yield spread between BBB-rated and BB-rated bonds remained between 90 and 140 from January 1999 through January 2000, then increased sharply to 190 by September 2000. The spread between A-rated and BBB-rated bonds remained between 40 and 70 from January 1999 through September 2000, then increased to 80 in October 2000.