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I used to think that loving you "so much" meant staying until the end. But now I see that the "so much" is exactly why I have to leave. It’s a love so heavy it’s starting to feel like a weight dragging us both underwater. You only reach for me when you’re sinking, and I’ve spent so long being your life vest that I’ve forgotten how to breathe on my own.

Emotional dependency, bittersweet nostalgia, and the struggle to move on from a love that has become more painful than it is fulfilling. The Walters - I Love You So Acoustic [Official Audio]

While her most famous song is "Surrender," she is often associated with heartfelt, devoted ballads about deep emotional bonds.

up my mind I hope you feel what I felt When you shattered my ... love you so (please let me go) I love you so. YouTube·The Walters

The suitcase is open, but my heart is still bolted to the floorboards of this room.

I’ve memorized the way the light hits the peeling paint, the same way I’ve memorized every broken promise you’ve whispered into the quiet hours of the morning. You tell me I’m "the one," but your actions are a different language—one that sounds like slamming doors and long, unexplained silences.

What makes this track special? — I Love You So by The Walters

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.

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Love You So
Source: S&P Global Market Intelligence; for illustrative purposes only.

Love You So May 2026

I used to think that loving you "so much" meant staying until the end. But now I see that the "so much" is exactly why I have to leave. It’s a love so heavy it’s starting to feel like a weight dragging us both underwater. You only reach for me when you’re sinking, and I’ve spent so long being your life vest that I’ve forgotten how to breathe on my own.

Emotional dependency, bittersweet nostalgia, and the struggle to move on from a love that has become more painful than it is fulfilling. The Walters - I Love You So Acoustic [Official Audio]

While her most famous song is "Surrender," she is often associated with heartfelt, devoted ballads about deep emotional bonds.

up my mind I hope you feel what I felt When you shattered my ... love you so (please let me go) I love you so. YouTube·The Walters

The suitcase is open, but my heart is still bolted to the floorboards of this room.

I’ve memorized the way the light hits the peeling paint, the same way I’ve memorized every broken promise you’ve whispered into the quiet hours of the morning. You tell me I’m "the one," but your actions are a different language—one that sounds like slamming doors and long, unexplained silences.

What makes this track special? — I Love You So by The Walters

Technology & Delivery:

We offer a fully flexible approach to the delivery of our solutions to meet your specific needs. All solutions are offered in Microsoft Excel® to facilitate an easy implementation into your internal capabilities. Should you require a software solution, we also provide end-to-end computational and reporting engines, which can help streamline the calculation and reporting processes for the entire IFRS 9 standard.

Love You So

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
Access essential IFRS 9 Insights

On-Demand Webinar

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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

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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

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IFRS 9 Blog Series


Read our three part blog series to help insurance companies tackle the changes to meet IFRS 9 credit impairment requirements


1S&P Global Ratings does not contribute to or participate in the creation of credit scores generated by S&P Global Market Intelligence. Lowercase nomenclature is used to differentiate S&P Global Market Intelligence PD credit model scores from the credit ratings issued by S&P Global Ratings.
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