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Abstract: 

Over the past several years, the municipal analysis industry has gone through significant changes while the U.S. economy has been in a recession. This is not the first time we have seen this kind of upheaval nor will it be the last. It is natural for analysts to try to develop tools and skills to respond to these changes and to try and anticipate what happens next. With a view to giving analysts a perspective on the past, a context for analyzing the present, and tools to approach the future, this article discusses the industry over the past 30 years and describes the ways in which the work of analysts has changed in response to industry changes and economic challenges.

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Affiliations:  1: Guardian Life Insurance Company of America.