* Eric Ries: Winter is coming for start-ups
* Felix Salmon: The difference between S&P and Moody’s
* Doubling down: Insiders buying stock at highest rate since 2009
* Romney to S&P in 2004: Raise Massachusetts’ credit rating, because we raised taxes
* Morning Call: U.S. futures point higher, London rebounds early, European shares slip on French banks and the Nikkei turns negative.
* Just in time for the holiday: Decepticon Tradebots
* European nightmare: “If Italy goes, God help us all.”
* Frank Partnoy: The coming world of much smaller banks
* Not just a U.S. thing: The Latin American IPO market goes cold
* Dave Knox: Is Twitter really any good for brand advertisers?
* Silicon Valley’s undertaker: “We’re anticipating a major fallout”
* WSJ breaks down recent budget-related votes by “Super Committee” members
* Today in insider trading: Former Marvell Technology exec accused of fraud
* Still not getting the daily Term Sheet? Rectify that situation by going to GetTermSheet.com
* Tweet of the Day: @zerohedge: Is it odd that Dick Fuld and Brian Moynihan never speak on the same call?