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Page Background InformatIon Is only as good as the perspectIve that comes from It. You’re looking for more than information, and a perspective that can help you make more informed decisions. At Standard & Poor’s Ratings Services, our credit analysts work to bring you a point of view that combines the information you seek with the insight you want. Visit us at to find highlights of our analytical work, our ratings methodology, information about upcoming events and more. The analyses, including ratings, of Standard & Poor’s and its affiliates are opinions and not statements of fact or recommendations to purchase, hold, or sell securities. They do not address the suitability of any security, and should not be relied on in making any investment decision. Standard & Poor’s does not act as a fiduciary or an investment advisor except where registered as such. Copyright © 2014 by Standard & Poor’s Financial Services LLC. All rights reserved. STANDARD & POOR’S and S&P are registered trademarks of Standard & Poor’s Financial Services LLC