> For the complete documentation index, see [llms.txt](https://docs.candelacharts.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.candelacharts.com/investing/macro-and-liquidity/macro-credit-model/confluences.md).

# Confluences

The Macro Credit Model is a top-tier foundational filter that should dictate the context for your other technical tools.

* **Divergences**: The most powerful signal occurs when equity markets (e.g., S\&P 500) make a new all-time high, but the Macro Credit Model makes a higher high in its Z-Score (meaning spreads are widening). This bearish divergence strongly implies the stock market is ignoring underlying structural rot.
* **VIX Validation**: The dashboard includes a VIX reading. A spike in credit spreads accompanied by a VIX breakout above 20-25 is a confirmed macro risk-off event.
* **Quantitative Equity Model**: Pair this with the Quantitative Equity Model. If credit spreads blow out into the "Stress" zone, your equity allocation model should be aggressively cutting exposure toward 0%.


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