Help me critique and give two advice about this column: Needless to say, the "stay-at-home "orders enacted by federal, state, and local governments during the COVID-19 pandemic had significant negative impacts on municipalities. Moody analytics forecasted that state budget deficits could reach 23 percent of spending for 2021 (Stern, 2020). During the COVID-19 pandemic, state and local municipal bonds (which are very low risk and rarely default) experienced massive selloffs, causing debt to sit on the market unclaimed and driving up interest rates for borrowers (Thompson, 2020). Because of the "squeeze" of revenue from citizens unable to utilize fee-based public resources and increased costs from citizens requiring more governmental support, state and local government's ability to maintain profitability and meet debt covenants became strained. The debt service coverage ratio (which is a measure of an entity's ability to pay for current debt obligations) of state and local governments became tighter, causing investors to pull money out of municipal bonds and negatively impact bond their ratings. In fact, the value of the S&P Municipal Bond Index dropped more than 10% in the two weeks ending March 2020 (Thompson, 2020). Based on what occurred during 2020, if future COVID-19 outbreaks occur, one can expect that state and local government bond ratings will correspondingly drop, while their debt service coverage ratios will decrease