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Moritz Kraemer, chief rating officer for Standard & Poor's, has been talking about the impact of the refugee crisis on Wake Up to Money. He says it's a good test of the European Union's ability to cope with future financial crises. If European leaders cannot come up a cohesive solution to this challenge, it doesn't bode well for the future, Mr Kraemer says. This clip is originally from Wake up to Money on Wednesday 16th September.