charlie: 'Those who complain the loudest about the rating-agencies cannot do their own credit-analysis.' Surely you don't expect everyone to have the same credit-analysis skills as your own? Each one of us has different skills to offer. If we don't understand, say architecture, should we not consult an architect, and then protest if he doesn't deliver the goods? What would the various service professions be worth if everybody else could figure out what they themselves charged fancy prices for? :)-----------------------Global Gains Home Fool
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