PICK YOUR POISON Card Game - The “What Would You Rather Do?” Party Game for All Ages - Family Edition

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If a player placed their Double Down card, they receive double the number of points they would normally earn. However, if the player scored zero points, they lose their Double Down card for the duration of the game! At the end of the round, and before players are dealt new Poison cards, they may discard any in their hand.

In a social setting, such as at a party or a bar, the phrase might be used playfully when offering a choice of beverages or food. If there is a split decision, the Judge is awarded one point for each player who did not vote with the majority. The game continues as noted above until one player has scored 15 or more points at the end of the round. This ends the game and the player with the most points wins. The game rules suggest the game ends as soon as a player scores 15 points, but we found it to be more fun to complete the round. Yes, while the idiom is of English origin, it is recognized and used in many other cultures and languages, especially in colloquial or informal conversations. I absolutely see a risk of the value of pledged aircraft and cruise lines declining as travel continues to be impacted by coronavirus,” says Reorg’s Washkowitz.If there is a tie (meaning both choices received the same number of votes), the Judge receives three points. See “Game Variants” if playing with an odd number of players. If the selected Poison card is unanimous (meaning that all the players selected the same Poison card), each player is awarded one point and the Judge looses two points. Yes, the idiom can be used when choosing between multiple options, not just two. However, it's typically used when all the options have some negative or undesirable aspect. All the players (except the Judge), having been given additional details about the two choices, must now make one. This is done by each player (again, not the Judge) secretly selecting an “A” Choice card or a “B” Choice card, matching the card letter with their Poison card choice on the game board. Optionally, a player can decide to play the Double Down card.

Borrower-friendly covenant terms have remained largely unchanged during the pandemic. “From the companies’ perspective, the covenants are functioning as envisioned, giving them self-determination when facing distress,” says Evan Friedman, senior vice president, manager and head of Covenant Research at Moody’s. There are a small number of game variants included with the rules. Any number of them can be added to the game. Each are summarized here. Point is, if primary markets were exuberant in the worst of times, it’s not a stretch to believe they will only become more exuberant as global economies recover,” says Peter Washkowitz, senior director and head of Americas Covenants at Reorg. In a split decision, the Judge gets one point for each player that didn't vote with the majority. Two-for-one

Other/Different Ways to Say "Pick Your Poison"

Market pundits are cautiously optimistic about the growth of high-yield and leveraged loans for 2021. “A key reason for this appears to be monetary and fiscal support given by central banks and governments,” Rao says. “And an optimism that the same shall continue if required.” Over the past few years, covenants in new leveraged loans and high yield have traveled in one direction only,” says Rao: “to become more accommodating for the issuer, generally to the detriment of bondholders and lenders. Surprising to some, this direction of travel was not reversed or even halted by the pandemic. Covenant erosion in 2020 for primary market issuances continued unabated.” If playing with an odd number of players who would be voting with their Choice cards, the Judge player gets to vote, too. This ensures that the Judge has an opportunity to always score three points if there is a tie. The Parent Geeks also had a lot of fun. According to one Parent Geek, “I understand there is not safe for work version of the game, and I’m glad we didn’t play that one, because I think this game is great for families. The choices are not terrible, but none of them were so outrageous as to make any of them inappropriate to play with my kids or with other adults who might have more conservative views than myself.” Which should not suggest that players are unable to make the game uncomfortable. As one Parent Geek put it, “One of my favorite things to do was to play two poisons that were not all that bad and then make them really, really bad. Oh, so bad. Super bad. As in I’d rather die bad!” The Judge has complete freedom to further expand the selected poisons and their consequences. This was explored in great depth and disgust by the Parent Geeks. The end result was a poison that all the players gladly took and cheered for. But hungry-for-yield investors have lately veered in the direction of being more accommodating, rather than less.

Hint: players should choose a Poison card that will create the most difficult decision when compared to card A. Select Card B When a Double Down card is played and the player scores zero points in the round they lose their Double Down card for the remainder of the game. Reveal The Judge chooses a Poison card from their hand and places it face up on the A spot on the game mat. This is card A for the rest of the round. Exceptions to limitations, such as the ability to transfer collateral away from creditors, have become more frequent during Covid-19, Rao says.This is card B for the rest of the round. The player who submitted card B gets one point. The other submitted cards are discarded. Another clear trend we have identified is that issuers are creating more documentary flexibility for themselves, to prevent a default in a stressed scenario,” Rao says. All the other players now look at their hand of Poison cards and select one to give to the Judge. Selected cards are passed to the Judge face-down so the other players do not know who is giving what card. Players should attempt to select a Poison card that creates a difficult choice between their card and the played Poison card by the Judge. For example, the Judge played “Have Walrus tusks” as their Poison card, placing it face-up in the “A” spot. One of the players passed the “Have the arms of an infant” Poison card. Neither of these two choices are something any average person would agree to. The pandemic saw stressed issuers like Carnival, Norwegian Cruise Line and United Airlines make creative use of their assets such as ships, islands and airplanes to raise liquidity when they needed it,” says Shweta Rao, UK-based senior director and head of Europe, Middle East and Africa (EMEA) Covenants at Reorg, a global financial and legal intelligence provider. Carnival used its fleet of cruise liners to secure high-yield notes; United, Delta and American Airlines pooled planes, spare engines, mileage programs, brands, slots, gates and routes; and AMC Entertainment collateralized its Odeon movie theaters.

However, there has been a steady decline in covenant quality in emerging market bonds,” says Jake Avayou, vice president and senior covenant officer at Moody’s in Singapore, “specifically in terms of companies loosening their debt covenants.” Having now selected two opposing and not super great outcomes, the players have an opportunity to ask the Judge questions regarding the poisons to be quaffed (figuratively speaking). The questions should be scenario based. For example, a player could ask “if I had infant arms, would I be able to use them as well as I use my own arms?” or “can I have the walrus tusks removed by a dentist?”. The Judge answers these questions however they like, further elaborating the complexity of the choices before the players. Adds Pete Trombetta, vice president and lodging and cruise analyst at Moody’s, “It’s very likely that ships being sold today are discounted from the value placed on them a year ago.”The US is the largest issuer of corporate bonds globally, according to S&P Global, followed by Europe, while China leads among emerging markets. Unusual assets have been used to secure bonds more often in the US than Europe thus far during the pandemic, Rao says; meanwhile, Avayou notes, debt-ratio thresholds have been declining toward the standard seen for North American and EMEA bonds. When you use this idiom, you mean that you or someone else should make a choice, even if all available options are undesirable. Votes are revealed and points are tallied by the Judge. The Judge wins when players disagree, players win when they vote with the majority of other players.