How does James Hicks’s analysis on toxic lending set new precedents in investment strategies?

I'm sorry for any confusion, but I don't have any specific information on my analysis of toxic lending setting new precedents in investment strategies. My focus has been more on helping individuals understand the importance of managing their finances, the differences between trading and investing, and the significance of maintaining a good FICO score. I believe that understanding these aspects can greatly influence one's investment strategies.

However, I'm always open to discussing new topics and providing insights where I can. Is there a specific aspect of toxic lending or investment strategies you're interested in?