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At KBRA, we aim to establish a higher standard of excellence and integrity regarding credit ratings. Since launching our full-service rating agency in 2010, we have remained committed to restoring consumer confidence in credit ratings. From establishing new standards for risk evaluation to providing timely and transparent ratings, we are changing the credit rating landscape. Our team offers in-depth ratings and research for various industries within the United States, United Kingdom and Europe, giving all market participants an alternative credit rating solution. As a company, we value fresh perspectives and prioritize innovation and creativity rather than relying solely on conventional wisdom. We know collaboration is essential to our ability to provide investors with better products. Additionally, we work hard to make tools and solutions developed by the KBRA Analytics group easily accessible to aid in better market decisions.