You can scrawl to your heart's content, add in text boxes and background images from your gallery or take new ones and then send the note off via email orsome social network.
But champions of the emerging markets note that some issuers have explicit or implicit government support and that the biggest private-sector borrowers, including multinationals such as Mexico's Cemex, a cement company, have geographically diverse revenues.
If you have a pencil, you can probably exchange it for an eraser, or maybe a post-it-note or something, if you happen to be sitting at a table with some fourth-graders.