AM Best has provided ratings & analysis on this company since 2018. Financial Strength Rating. Effective Date Rating April 12, 2023: A- March 22, 2022: A- June 16, 2021: A- May 28, 2020: A- May 15, 2019: A- May 03, 2018: A-Long-Term Issuer Credit Rating. Effective Date Rating April 12, 2023: a-Oldwick //BestWire// - AM Best-rated captive insurance companies posted a strong year in 2022, doubling pretax operating income over the previous year and recording the largest premium increase in a decade. A new Best’s Market Segment Report, “Feasibility and Utility Sustain Captives’ Excellent Profitability,” also notes that AM Best’s …AM Best’s exclusive research and analysis provide valuable insight into current and historical trends affecting the insurance industry. For additional content, videos, and … Rating Services Announcements. AM Best Upgrades Credit Ratings of Armour Secure Insurance S.A. de C.V. Date: April 12, 2024. AM Best Affirms Credit Ratings of Halyk-Life, JSC. Date: April 12, 2024. AM Best Places Credit Ratings of SafePort Insurance Company Under Review With Developing Implications. Date: April 12, 2024. AM Best is a global credit rating agency, news publisher and data analytics provider specialising in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City.PARIS, FRANCE —L’agence de notation AM Best confirme la solidité financière de FM Global, l’un des leaders mondiaux de l’assurance dommages, en lui attribuant de …Feb 24, 2023 · AM Best is a global credit rating agency, news publisher and data analytics provider specializing in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City. Dec 2, 2022 · AM Best ratings have four different categories: financial strength, credit ratings, issue ratings and national scale ratings. Most online reviews feature a company’s financial strength ratings ... Fort Worth, Texas 76124. United States. Web: www.statenational.com Phone: 817-265-2000 Fax: 877-329-8598. View Additional Address Information. AM Best Rating Unit: AMB #: 018604 - State National Group. Visit the AM Best Rating Services site for access to this company's Best Rating, Best's Credit Report and other information. Based on AM Best's ... Rating Services Announcements. AM Best Upgrades Credit Ratings of Armour Secure Insurance S.A. de C.V. Date: April 12, 2024. AM Best Affirms Credit Ratings of Halyk-Life, JSC. Date: April 12, 2024. AM Best Places Credit Ratings of SafePort Insurance Company Under Review With Developing Implications. Date: April 12, 2024. A Best's Credit Rating (BCR) is a forward-looking, independent, and objective opinion regarding an insurer's, issuer's, or financial obligation's relative creditworthiness. The opinion represents a comprehensive analysis consisting of a quantitative and qualitative evaluation of balance sheet strength, operating performance, and business ... AM Best is a global credit rating agency, news publisher and data analytics provider specialising in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City.Mar 29, 2024 · A.M. Best is a credit rating agency that began reviewing insurance companies back in 1899. Issued annually, its grades illustrate an insurer's ability to pay out on claims and meet other financial ... 4 days ago · A BestMark communicates AM Best's informed, objective opinion of a rated insurer's financial strength. It demonstrates to agents, brokers, customers, prospects and the financial services industry that the company has undergone AM Best's rigorous rating process. Mar 29, 2024 · A.M. Best is a credit rating agency that began reviewing insurance companies back in 1899. Issued annually, its grades illustrate an insurer's ability to pay out on claims and meet other financial ... Industry Centers. The pages below provide news, data, and research for the insurance industry and market segments specified. Captive Insurance. AM Best coverage of the Captive market includes single-parent captives, multi-owner captives, and risk retention groups, as well as organizations that exhibit captive-like characteristics.Registration & Login. Registration allows you access to rating content available from A.M. Best Rating Services, Inc. and/or its affiliates within the AM Best Rating Services section of the website. Having trouble logging in? Review our videos and user guide in the Enrollment Training Library.If you need additional assistance, contact Technical Support Services, …AM Best is a global credit rating agency, news publisher and data analytics provider specializing in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City.Feb 24, 2023 · AM Best is a global credit rating agency, news publisher and data analytics provider specializing in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City. Life Insurance: Coverage Gap and Underserved Communities. Life Insurance: Ethnic and Financial Diversity. Top Global Brokers and Bests Rankings. Global Brokers Ranking and New Leaders. DUAE Premium Growth and Standing The Test Of Time. Standing The Test Of Time and Property Casualty Insurers. Standing The Test Of Time and Life Health … Apr 16, 2024 11:44 AM (EDT) AM Best's Collection of podcasts focus on a wide variety of subjects related to the insurance industry. Women Insurance Executives on Workplace Diversity. Apr 18, 2024. AM Best's Graham: Cyber Insurance Could Outpace D&O in Premium Volume. Apr 17, 2024. AM Best Downgrades Credit Ratings of Rockingham Insurance Company and Its Affiliates. Date: April 17, 2024. AM Best Revises Issuer Credit Outlook to Positive for Trans World Assurance Company. Date: April 17, 2024. AM Best Places Credit Ratings of Custodian and Allied Insurance Limited Under Review With Negative Implications. Date: April 17, 2024. AM Best's Collection of podcasts focus on a wide variety of subjects related to the insurance industry. Munich Re: Need, Risk for Cyber Coverage Rising for Public Entities Apr 22, 2024. Swiss Re’s Pande: Civil Commotion Climbed 3,000% From 2000 to 2020 Apr 19, 2024.AM Best Rating Services. Locate an Insurer. Choose the type(s) of insurance you need along with the state you need coverage in. Then select Search Now to review a list of insurers who can provide the coverage you are looking for. Use the (?) links for online help.State. Email Address. Phone. Preferred Method of Contact. Message. Please provide a complete description of your inquiry so we can better serve you. Please type the code above. Contact information for AM Best's customer support team.Please contact your Portal Administrator to finish assigning your access level in the Portal. If you have recently been assigned, you may need to log out and log back for updated access. If you continue to have issues, please contact AM Best's Technical Support US and Canada: Toll Free: 800-544-2378 International Telephone: +1 908-572-0841.Oldwick //BestWire// - AM Best-rated captive insurance companies posted a strong year in 2022, doubling pretax operating income over the previous year and recording the largest premium increase in a decade. A new Best’s Market Segment Report, “Feasibility and Utility Sustain Captives’ Excellent Profitability,” also notes that AM Best’s …AM Best is a global credit rating agency, news publisher and data analytics provider specializing in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City.AM Best's Briefing - Reinsurance: Roundtable Discussion on Renewals and What 2023 May Hold. Senior AM Best ratings analysts, Liz Cunningham, CEO of Somers Re, and Aditya Dutt, President of Aeolus Capital Management discuss the recent renewals. AM Best; AM Best Rating Services;State. Email Address. Phone. Preferred Method of Contact. Message. Please provide a complete description of your inquiry so we can better serve you. Please type the code above. Contact information for AM Best's customer support team.This disclosure only applies to Rating Actions associated with asset-backed securities as defined by section 3(a)(79) of the Securities Exchange Act of 1934, as amended. 7. How Servicer or Remittance Reports were used, and with what Frequency, to Surveillance of the Credit Rating as required by Paragraph (a)(1)(ii)(G) of Rule.AM Best Affirms Credit Ratings of Tugu Insurance Company Limited: AM Best has affirmed the Financial Strength Rating of B+ (Good) and the Long-Term Issuer Credit Rating of “bbb-” (Good) of Tugu Insurance Company Limited (TIC) (Hong Kong).The outlook of these Credit Ratings (ratings) is sta... Date: April 10, 2024 Best’s Commentary: Taiwan …Date: April 4, 2024. AM Best Affirms Credit Ratings of Misr Insurance Company : AM Best has affirmed the Financial Strength Rating of B++ (Good), the Long-Term Issuer Credit Rating of “bbb” (Good) and the Egypt National Scale Rating (NSR) of aaa.EG (Exceptional) of Misr Insurance Company (MIC) (Egypt).AM Best Revises Outlooks to Stable for Trisura Group Ltd. Members; Comments on First Founders Assurance Company Date: April 18, 2024: AM Best Downgrades Credit Ratings of Members of Columbian Financial Group; Maintains Under Review With Negative Implications Status Date: April 18, 2024Top 10 Global Life Reinsurance Groups – 2024 Edition Ranked by 2022 third-party gross premiums written . Best’s Review is AM Best ’s monthly insurance magazine, covering emerging issues and trends and evaluating their impact on …Issue Credit Ratings Only: Applies only to entities for which Best’s Issue Credit Ratings have been assigned for recently issued debt instruments. Does not include an update to the credit ratings of the entities themselves. Preliminary Credit Assessment (PCA): An independent opinion of the relative general credit strengths and weaknesses of ...AM Best is a global credit rating agency, news publisher and data analytics provider specializing in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City.About Us. Founded in 1899, AM Best is the world's first credit rating agency. It all began with the founder working out of a one-room office in New York City and grew to become what is now the largest credit rating agency in …AM Best’s London office is just a 10 minute walk from Tower Bridge, one of the city’s many famous landmarks. Hotel Accommodations. Hilton London Tower Bridge. 5 More London Place. London, UK SE1 2BY. Phone: +44 20 3002 4300. The Westin London City* 60 Upper Thames Street.Endurance Assurance Corporation, Endurance American Specialty Insurance Co., Endurance American Insurance Co., SI Insurance (Europe), SA. Lexon Insurance Company （S&P格付けなし）など. Sompo International Holdings Ltd. 傘下全社の格付け一覧は こちら （Sompo Internationalのサイトへ）. 格付の詳細については ...6. Use of Third Party Due Diligence in Taking the Credit Rating Action as Paragraph (a)(1)(ii)(F) of Rule 17g-7. required by. AM Best Company did not use due diligence services of a third party in taking the Rating Action. This disclosure only applies to Rating Actions associated with asset-backed securities as defined by section 3(a)(79) of ...Issue Credit Ratings Only: Applies only to entities for which Best’s Issue Credit Ratings have been assigned for recently issued debt instruments. Does not include an update to the credit ratings of the entities themselves. Preliminary Credit Assessment (PCA): An independent opinion of the relative general credit strengths and weaknesses of ...93 Park Place Boulevard Suite 101. Clearwater, Florida 33759. United States. Web: www.wrightflood.com Phone: 727-803-2040 Fax: 727-341-8912. View Additional Address Information. Visit the AM Best Rating Services site for access to this company's Best Rating, Best's Credit Report and other information.Search AM Best's extensive database of life/health, property/casualty insurance companies worldwide and access Best's Credit Ratings, Best's Credit Reports and other key information. Note: Selecting a country, a state or province will return all companies matching any of the selections. The search will not cross filter between Countries and ...AM Best's Ratings, Delivered in the Format You Choose. Monitor insurers' Best's Credit Ratings with a feed that can be customized to your specifications. Request More Information. About Best's Credit Ratings. Receive fast, efficient delivery of insurer credit ratings, for easy incorporation into your internal applications. AM Best to Speak, Sponsor and Exhibit at Dubai World Insurance Congress 2024 Date: April 22, 2024: Best's Market Segment Report: AM Best Revises Outlook on London Market Insurance Segment to Positive Date: April 22, 2024: AM Best Revises Issuer Credit Rating Outlook to Positive for Unity Financial Life Insurance Company Date: April 19, 2024 Best’s Credit Ratings An Overview 2 About AM Best Founded in 1899, AM Best is the world’s largest credit rating agency specializing in the insurance industry and insurance-linked securities. Best’s Credit Ratings are an assessment of an insurer’s financial strength, creditworthiness and their ability to honor obligations to policyholders. AM Best's methodologies for rating insurance companies and insurance-linked securities and structures are powered by strong analytical expertise, research, data, and insight. They help the financial industry and consumers understand how AM Best forms opinions of financial strength, creditworthiness, and the ability to meet policyholder or security holder …Registration & Login. Registration allows you access to rating content available from A.M. Best Rating Services, Inc. and/or its affiliates within the AM Best Rating Services section of the website. Having trouble logging in? Review our videos and user guide in the Enrollment Training Library.If you need additional assistance, contact Technical Support Services, …Provided to YouTube by Universal Music GroupI Am The Best · 2NE1I Am The Best℗ 2014 Capitol Records, LLCReleased on: 2014-12-09Producer: Hong Jun ParkStudio ... Our Purpose: Find out about the unique role AM Best plays in supporting the insurance industry's ability to keep its commitments to all its stakeholders. Best’s Market Segment Report: AM Best Maintains Stable Outlook on Guatemala’s Insurance Industry. AM Best’s Headquarters in New Jersey and our offices in New York and Mexico City serve ... Visit the AM Best Rating Services website for a complete overview of our rating process and methodologies. The symbol "u" denotes a Best's Rating that is currently Under Review. The term "Rating Unit" identifies individual insurers or a consolidation of member companies that are assigned the same Best's Credit Rating.Insurance Market Briefing - Paris. AM Best’s Insurance Market Briefing - Paris returned on Thursday, 16 March 2023. Leading AM Best analysts delivered market …Life Insurance: Coverage Gap and Underserved Communities. Life Insurance: Ethnic and Financial Diversity. Top Global Brokers and Bests Rankings. Global Brokers Ranking and New Leaders. DUAE Premium Growth and Standing The Test Of Time. Standing The Test Of Time and Property Casualty Insurers. Standing The Test Of Time and Life Health …3 days ago · About Best's Insurance Reports. Best's Insurance Reports is an indispensable resource for understanding the creditworthiness and financial strength of insurance companies. It offers the details and analysis behind Best's Credit Ratings, the latest financial data and company information, along with tools and features to enhance your research. About AM Best in the Asia-Pacific Region. AM Best Company was founded in 1899 with a mission to perform a constructive and objective role in the insurance industry. For more information see The History of AM Best Company. AM Best's operations in the Asia-Pacific region are conducted through two wholly owned subsidiaries in Hong Kong, A.M. Best ...John Andre, managing director, AM Best, explains why AM Best is maintaining a stable outlook for the U.S. personal lines property/casualty segment and reviews the impact of loss frequency, claims inflation, COVID-19 and other issues (Dec. 1, 2021).AM Best is a global credit rating agency, news publisher and data analytics provider specializing in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City.Houston, Texas 77040-2401. United States. Web: www.tmhcc.com Phone: 713-462-1000 Fax: 713-462-4210. AM Best Rating Unit: AMB #: 018421 - Houston Casualty Group. Visit the AM Best Rating Services site for access to this company's Best Rating, Best's Credit Report and other information. Based on AM Best's analysis, 058633 - Tokio Marine …AM Best to Speak, Sponsor and Exhibit at Dubai World Insurance Congress 2024 Date: April 22, 2024: Best's Market Segment Report: AM Best Revises Outlook on London Market Insurance Segment to Positive Date: April 22, 2024: AM Best Revises Issuer Credit Rating Outlook to Positive for Unity Financial Life Insurance Company Date: April 19, 2024Best’s News & Research delivers breaking news, a daily news digest, weekly insurance news from around the world, monthly insights and industry research – all from AM Best’s …BestLink. AMB #: 002231 NAIC #: 19682 FEIN #: 060383750. Domiciliary Address. One Hartford Plaza. Hartford, Connecticut 06155-0001. United States. Web: www.thehartford.com Phone: 860-547-5000. AM Best Rating Unit: AMB #: 058707 - Hartford Financial Services Group, Inc. Assigned to insurance companies that have, in …AM Best is a global credit rating agency, news publisher and data analytics provider specializing in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City.Registration & Login. Registration allows you access to rating content available from A.M. Best Rating Services, Inc. and/or its affiliates within the AM Best Rating Services section of the website. Having trouble logging in? Review our videos and user guide in the Enrollment Training Library.If you need additional assistance, contact Technical Support Services, … AM Best and its licensors retain all copyright and other proprietary rights to the website content. Best's Credit Ratings, obtained through any source, may not be reproduced, distributed to Third Parties, or stored in a database or retrieval system in any form for commercial purposes without the prior written permission of the AM Best. AM Best to Sponsor, Exhibit and Present at the 2024 Society of Insurance Research Conference Date: 04/16/2024 Best’s Special Report: Heightened Risk Landscape Creates New Challenges for Reserve Management Date: 04/16/2024 AM Best to Participate in Emerging Regulatory Issues Panel Discussion at CIRCA ReConnect …AM Best Mobile App: Get on-the-go access to current Best’s Credit Ratings, timely notifications, and free and premium insurance industry information. Opt In: Never miss timely insurance industry news, reports, rankings or videos from AM Best -- opt in to receive our free emails today . Best's Review ...The Home page enables fast access to key product features as well as information on data releases, rating activity, product news, Industry Briefings, and much more. Select Home from the main menu. Access Key Features of BestLink: Company Search - Locate insurance companies by company identification, business type, consolidation type, …Register to View. Single User License. Unlock unlimited access to AM Best industry research, rankings and insurance news with a Best’s News & Research Service subscription. Multi-user and corporate licenses are available. Contact Business Development (908) 572-0896 for information. Apr 16, 2024 11:44 AM (EDT) AM Best's Collection of podcasts focus on a wide variety of subjects related to the insurance industry. Women Insurance Executives on Workplace Diversity. Apr 18, 2024. AM Best's Graham: Cyber Insurance Could Outpace D&O in Premium Volume. Apr 17, 2024. When researching insurance carriers, you may come across references to AM Best ratings for individual companies. You will often find specific rating information displayed on a carrier’s website ...AM Best is a global credit rating agency, news publisher and data analytics provider specializing in the insurance industry. Headquartered in the United States, the company does business in over 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City.AM Best Places Credit Ratings of ShelterPoint Insurance Company and ShelterPoint Life Insurance Company Under Review With Positive Implications. Date: April 12, 2024. AM Best to Participate in Panel Discussions at InsurTech Hartford Symposium 2024. Date: April 12, 2024. AM Best Revises Outlooks to Negative for Members of Auto Club Group ...Wij willen hier een beschrijving geven, maar de site die u nu bekijkt staat dit niet toe.Provided to YouTube by Universal Music GroupI Am The Best · 2NE1I Am The Best℗ 2014 Capitol Records, LLCReleased on: 2014-12-09Producer: Hong Jun ParkStudio ... AM Best Affirms Credit Ratings of Universal Insurance Company (Guernsey) Limited. Date: April 23, 2024. AM Best to Speak, Sponsor and Exhibit at Dubai World Insurance Congress 2024. Date: April 22, 2024. Best's Market Segment Report: AM Best Revises Outlook on London Market Insurance Segment to Positive. 51 Madison Avenue Room 353. New York, New York 10010. United States. Web: www.newyorklife.com Phone: 212-576-7000 Fax: 212-576-7317. AM Best Rating Unit: AMB #: 069714 - New York Life Group. Assigned to insurance companies that have, in our opinion, a superior ability to meet their ongoing insurance obligations. Search AM Best’s extensive global database of (re)insurance and holding companies and Delegated Underwriting Authority Enterprises (DUAEs). Access Best’s Credit Ratings, Best’s Performance Assessments, Best’s Credit Reports, Best’s Financial Reports and other key information. Visit our Help page for questions about search filters and ...AM Best s Credit Ratings Credit Ratings as of 31st August 2022. 2 A.M. Best Credit Rating Definitions • Best’s Financial Strength Rating (FSR) An independent opinion of an insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations • Best’s Issuer Credit Rating (ICR)AM Best is a global credit rating agency, news publisher and data analytics provider specialising in the insurance industry. Headquartered in the United States, the …
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When there is a transaction pending or significant change in operating strategy and business plan, the focus of the meeting will be on such items. AM Best expects all information submitted by a company to be accurate and complete. Furthermore, AM Best expects that any information relevant to the rating process will be submitted on a timely basis. When there is a transaction pending or significant change in operating strategy and business plan, the focus of the meeting will be on such items. AM Best expects all information submitted by a company to be accurate and complete. Furthermore, AM Best expects that any information relevant to the rating process will be submitted on a timely basis. AM Best Affirms Credit Ratings of Tugu Insurance Company Limited: AM Best has affirmed the Financial Strength Rating of B+ (Good) and the Long-Term Issuer Credit Rating of “bbb-” (Good) of Tugu Insurance Company Limited (TIC) (Hong Kong).The outlook of these Credit Ratings (ratings) is sta... Date: April 10, 2024 Best’s Commentary: Taiwan …Industry Centers. The pages below provide news, data, and research for the insurance industry and market segments specified. Captive Insurance. AM Best coverage of the Captive market includes single-parent captives, multi-owner captives, and risk retention groups, as well as organizations that exhibit captive-like characteristics.Data Submission. Data Submission is part of the Best's Client Portal which provides you with a highly secure and convenient web-based platform to communicate and collaborate with our company. Access the portal from https://portal.ambest.com. Log In to Data Submission on Best's Client Portal. Upload NAIC and OSFI filings to AM Best.Apr 17, 2024 · AM Best is the leading provider of ratings, news, analysis, and financial information for the Property/Casualty insurance industry. Best's Credit Ratings are independent opinions regarding the creditworthiness of an issuer or debt obligation. Best's Credit Ratings are based on a comprehensive quantitative and qualitative evaluation of a company ... View AM Best's Rating Disclosure Form. View AM Best's Rating Review Form. Rating History. AM Best has provided ratings & analysis on this company since 1992. Financial Strength Rating. Effective Date Rating July 18, 2023: A- June 14, 2022: A- May 27, 2021: A- July 21, 2020: A- July 23, 2019: A-Long-Term Issuer Credit Rating.3 days ago · About Best's Insurance Reports. Best's Insurance Reports is an indispensable resource for understanding the creditworthiness and financial strength of insurance companies. It offers the details and analysis behind Best's Credit Ratings, the latest financial data and company information, along with tools and features to enhance your research. Rewards Program. AMBUCK$ is the longest continuously running Professional Driver Rewards Program! Earn points - worth a penny a gallon - simply by swiping your AMBUCK$ card when making a diesel purchase at any of the AMBEST locations nationwide. We have issued BILLIONS of AMBUCK$ points to drivers, and we’ve given away MILLIONS of points ... 24 juillet 2023. AM Best a confirmé la note de solidité financière de A- (Excellent) et les notes de profil d'émetteur à long terme (Long-Term Issuer Credit Ratings ou ICR) de "a-" …AM Best and its licensors retain all copyright and other proprietary rights to the website content. Best's Credit Ratings, obtained through any source, may not be reproduced, distributed to Third Parties, or stored in a database or retrieval system in any form for commercial purposes without the prior written permission of the AM Best.Top 10 Global Life Reinsurance Groups – 2024 Edition Ranked by 2022 third-party gross premiums written . Best’s Review is AM Best ’s monthly insurance magazine, covering emerging issues and trends and evaluating their impact on …Concurrently, AM Best has affirmed the Long-Term ICR of “bbb+” (Good) and the Long-Term Issue Credit Rating of “bbb+” (Good) on $250 million 4.25% senior unsecured notes, due 2024 of Symetra Financial Corporation (Symetra). The outlook of these Credit Ratings (ratings) is stable.0:00 / 3:29. I Am The Best 2NE1 • I Am The Best • 2014. Provided to YouTube by Universal Music Group I Am The Best · 2NE1 I Am The Best ℗ 2014 Capitol Records, LLC Released on: 2014-12-09 Producer: Hong Jun P...A Best's Credit Rating (BCR) is a forward-looking, independent, and objective opinion regarding an insurer's, issuer's, or financial obligation's relative creditworthiness. The opinion represents a comprehensive analysis consisting of a quantitative and qualitative evaluation of balance sheet strength, operating performance, and business ....