Credit ratings

Hi experts,
I see that both in Master data of Business partner, Tcode BP, and Security class, Tcode FWZZ, you can populate with credit ratings, normally provided with some external rating agencies, like S&P, Fitch, Moody's, etc. May questions:
--- is there a standard process in SAP TRM to import those different ratings for the same counterparty or Security into the system?
--- how you would suggest to handle such requirement - in curent situation, Customer collects ratings for the same bond, provided by 3 different rating agencies for the same period, then applies certain selection rule, like take the most conservative out of those 3, and apply it for that period.
thanks a lot for your input.
Rgds,
Renatas

Hi Renatas,
We can capture the ratings at different level for both Security Instrument and a Business Partner seperately as the same ratings methods are followed the market as well.
Now, can you tell me the normal frequency of change in ratings for an instrument or BP other than at the time of migration. It will be very selective and few, so recommended to update manually as and when it required.
I didnt get the point of applying rule for selection of appropriate rating. Probably you can write a report for the rating evaluation if few scienarios are included, else can generate a report and see the appropriate rating before start investing.
Regards
Prasad AV

Similar Messages

Credit ratings, attached to debt securities (bonds)

Hi,
may I ask some guidance on usage of credit rating, attached to debt securities (bonds) - specified @ trans. FWZZ -> tab 'Search terms'. Is this plain memo (info) field or rather having some influence on carrying out further activities, like valuation, etc.
Rgds,
Renatas

Hi,
It is an information/reporting field only.
Manish

How to create HeatMap based on Country Credit Rating?

How to create Heatmap based on Country Credit Rating i....
Credit Ratings are AAA, -AAA, +AA, AA, -AA, +A, A, -A, +BBB, BBB, -BBB, +BB....... From Green To Red
Country Credit Rating
Angola
BB-
Botswana
A-
Burkina Faso
B
Ethiopia
B-
Ghana
B
Morocco
BBB-
Nigeria
BB-
Sierra Leone
B-
South Africa
BBB
Tanzania
B
Zambia
B+
Australia
AAA
India
BBB-
Indonesia
BB+
Pakistan
B
Philippines
BBB
Thailand
BBB+
Uzbekistan
BBB
Turkey
BB+
Chile
AA-

Thanks Jim for the solution.
Also, this article should be helpful for you:
Create a Heat Map Using Excel’s Conditional Formatting -
http://peltiertech.com/heat-map-excel-conditional-formatting/
(Please Note: Since the web site is not hosted by Microsoft, the link may change without notice. Microsoft does not guarantee
the accuracy of this information.
Regards,
Ethan Hua
TechNet Community Support
It's recommended to download and install
Configuration Analyzer Tool (OffCAT), which is developed by Microsoft Support teams. Once the tool is installed, you can run it at any time to scan for hundreds of known issues in Office
programs.
Hi Ethan, If you trying to get points i understand but please do assume that googling is done first.
If you want to get help from others, you should first be polite to those who are trying to help you, rather than "i already new the option of converting to numbers" or "If you trying to get points i understand but please do assume
that googling is done first.".
You didn't make it clear in your initial post that what you already tried, or which articles you already reviewed, how should us people know this?
I'm sorry but here all is asked politely and please, politely do not change the subject.

APPALLED by the standard of service, completely ri...

Hello,
I am at my absolute wit's end with this. I truly hope a moderator, an employeeof BT or *someone* can help because I literally do not know what the **bleep** Im supposed to do anymore, I am completely out of ideas and am SO stressed out. I knew that BT was hard to deal with being such a big company and I also heard many times that Customer Service was terrible at times, but I never imagined this.
I will try to summarize a very long story in a few sentences so forgive me for not giving too many details.
I have been with BT, in different homes, for about 12 years. For the last 4 or 5 I have been in a certain house in South London and, lately (beginning of this year) I decided to move out and, because the house where I was moving to already had a landline with another provider and also Broadband and Digital TV, I called up BT and asked how much I owed to terminate the contract.
They said something along the lines of £130 and I paid for it, asked if that was the end of it, they said yes, and said thanks and good bye.
I move out in early January and all seems fine. After a couple of months I receive a call saying that I owe about £70 because of contract cancellation charges something... Im not sure. I am a little annoyed at receiving this call, but for the sake of a short call and because I was arleady busy enough, I paid no questions asked. I immediately made sure that they confirmed that THAT WAS IT and then hang up the phone.
After a couple of months, THIS HAPPENS AGAIN!! I am now very upset about being harassed like this and demand that this balance that they are asking now (£60 or 70 again I think) be written off immediately because it is a mistake, and even if it isnt a mistake, it is BT's issue for not being able to keep their numbers correctly as I had already asked twice whether that was the end of it and was told it was.
Now I have received a bailiff's call and I am literally being harassed by mail and telephone and I am very stressed out because I am usually a person who keeps their records straight for this exact reason.
I dont like harassment, I dont like bad credit ratings and I most of all do not like giving my hard earned money away for no reason.
So please, someone help me out and end this nightmare. Write this amount of money off and give me a break as it is BT's mistake and a half. I am sure you record your calls, so please do check these calls and you will be able to confirm that I was told not once, but TWICE that I was done paying and all was settled and I owed nothing and I am still **bleep** getting calls about new charges not only from BT, but from debt collection agencies.
Please contact me and end this as I have had no luck in any way getting this sorted thorugh any other mean (and it was absolltuely useless talking to the bailiff company as all the ask is "ok are you paying this or not? no? fine, red mark".
Very annoyed customer

Hi Gowardo,
This is a customer to customer forum, the only people here who might be able to assist with your problem are the forum mods(Bt employees).
If you fill in this form: http://bt.custhelp.com/app/contact_email/c/4951 with a link back to your post for ref, the mods will get back to you. it can take up to 3 days.
They are a small group of UK based BT employees and they will contact you direct.
toekneem
http://www.no2nuisancecalls.net
(EASBF)

Hyperion Essbase - Exciting Job Opportunity in Financial Services in NY

Moody's Corporation
Hyperion Business Systems Analyst
New York
Company
Moody's is an essential component of the global capital markets, providing credit ratings, research, tools and analysis that contribute to stable, transparent and integrated financial markets. Moody’s Corporation (NYSE: MCO) is the parent company of Moody's Investors Service, which provides credit ratings and research covering debt instruments and securities and Moody's Analytics, encompassing the growing array of Moody’s non-ratings businesses including Moody’s KMV, a provider of quantitative credit analysis tools, Moody's Economy.com, which provides economic research and data services, and Moody’s Wall Street Analytics, a provider of software for structured finance analytics. The corporation, which reported revenue of $2.0 billion in 2006, employs approximately 3,400 people worldwide and maintains a presence in 27 countries. Further information is available at www.moodys.com.
Responsibilities:
The Hyperion Business Systems Analyst’s role is to plan, design, develop, and launch efficient business, financial solutions in support of core organizational functions and business processes. You will provide functional and development knowledge in designing Hyperion System 9 Planning solutions to meet business requirements. You will need to develop proficient knowledge in related applications within business areas and provide ongoing production and application support. Using your strong interpersonal skills, you will establish and maintain strong relationships with key applications and infrastructure teams.
The candidate will have 3+ years of experience working with Hyperion applications, specifically Hyperion Essbase and Reports. Experience working with the business to help define and simplify business processes & requirements in the area of Financial Reporting. Strong analytical, documentation, and problem solving skills are essential, as well as the demonstrated ability to work on multiple tasks simultaneously with multiple business partners. Perform requirements analysis and work with development resources, both internal and external, to implement system-modification/application-development of Hyperion System 9 Planning to meet the business needs; Lead and coordinate small project teams; Maintain system applications and interface points; Provide development of functional skills in others through active knowledge sharing
Qualifications:
- Bachelor’s degree in Computer Science, MIS, or related and 5-8 years of work experience with 3+ years working with Hyperion applications.
- Strong knowledge of Hyperion Planning Application including Essbase, Planning Web, Reports
- Extensive financial process and functional knowledge
- Demonstrated project management, work planning and prioritization skills
- Ability to operate largely independently
- Analytical and assessment skills
- Proven experience in providing system support and direct contact with users to solve issues with business applications
- Excellent verbal and written communications skills
Application:
Please send resumes to [email protected]
This is a full time opportunity.

Hi John,
Thank you for your reply..sorry for the incomplete information..This is windows XP OS .
Yes after running the installtool.bat , i am not getting any screen.
What I did was ..after downloading the software, i manually copied all the folders that are available in assemblies folder(essbase , planning , foundation dowloads etc) in to systeminstaller -> assemblies folder and I hit the installtool. As you said now I will unzip all the zip and I will keep it in one home directory and I will try...Please correct me If I am wrong...
Thank You!!!

O2 Refunds - How Long

So in April I finally had enough of o2's DREADFUL network. A network where of you were on the edge of 4g then calls and texts would fail. A network where you may see h+ on your phone but with no capacity behind it, it wouldn't work. A network where so many areas had no signal at all. A network who's coverage checker is so out of touch that people are complaining to the ASA.
Still, BT & EE beckoned for my 3 mobiles and 1 tablet. Not looked back. Signal much better and h+ works.
Of course I followed the advice from those on here and left my direct debit in place. My o2 mobile went from contract to payg. That was in April. However on the 8th June and with over £50 in credit I decided to ask for a refund of most of my credit. No problem said o2. Refund requested. I watched my bank account but no refund came. O2 didn't believe me and insisted I send them copies of my bank statements to prove I hadn't received the funds (yes every transaction - so glad they didn't see the ones from Kinky Gear Ltd - Amsterdam lol).
Earlier this week, having been over a month and despite repeated emails to senior management in o2, I had to resort to advising I would apply to the Small Claims Court as the refund STILL hasn't come. It finally arrived yesterday, one month and 7 days.
Why is this acceptable? O2 are quick enough to take your money. We have seen on here o2 are quick enough to destroy credit ratings even though they make little effort to recover debt yet when it comes to paying their bills??????
I am glad I left o2. Since Telefonica ton over they have destroyed it and Ronan Dunne has much to answer for.

Cleoriff wrote:
Absolutely ridiculous length of time to wait. As you say....payment is taken immediately ...but refunds take so much longer All made even worse by the fact you had to fight for it...Now all that aside Nick...lets talk a bit more about those payments you say you made to Kinky Gear in Amsterdam please?.....Those payments were for the packages YOU asked me to order and have sent to YOUR address. Are you sure you want me to comment further. ......

AHHH! Mail has stopped filtering Junk mail! WHY!? How to fix?

This actually strarted happening on our G5 about a year ago. I dealt with it because we were getting a new computer soon.
I'm running OSX 10.8.2 and Mail Version 6.2 (1499)
I've been getting a bunch of junk mail lately and I wasn't paying any attention really but yesterday I made a note to click on a specific email and hit the Junk button.
This email in particular is some spam about Credit Ratings. The email is from "Scores Update <[email protected]>"
The email yesterday was from "Scores Update <[email protected]>"
Different email address but still, shouldnt it still filter to the junk anything that says "Scores Update" since I flagged that as spam?

I've deleted all future appointments from the Hotmail calendar.
I've left the iPad overnight "thinking" about removing Calendar from iCloud and gave up this morning.
My son has school information on the iPad.
Please help???
Regards,
Anthony

BT wont credit my account and re-bill me!! Chat in...

I have been having difficulties with BT for 7 months now! they really are driving me mad, i have phoned, been on instant chat to them soooo many times, no one listerns at all to what you say.
I was made unemployed back in Nov, this meaning i was unable to pay my BT bill, i called BT and told them my situation and that i was having to sign on, but with the amount i was getting, trying to support myself with food, pay bills and rent difference i was setting up payment plans with people, of £5-10 month, BT said that "everyone is treated the same" and wouldnt set up a payment plan for me, just wanted me to pay the bill in full, again i said i couldnt do this, i said i would pay what amount i can - which i did do up until BT decided to terminate my contract, send me final bills and say that i cancelled it all!!!!! they then charge me £49 for the BB Box!!! i spoke to someone on BT Chat i again explained my situation, and they were not interested, i said i will send the box back and thay can refund acc £49, she kept saying cant do this, until i pointed out that BT had sent me an email stating i can do this and amount be credited back. She then agreed and sent me a returns envelope, told me to keep receipt of posting, which i have done. Today i have come back onto Live Chat, spekaing to someone who has taken over an hour now to not get anywhere, as i type they still not replied to a message i have asked 5 times.....he has checked and seen BB box has been returned, said will credit acc, so i asked for re-bill to be sent out showing this credit applied and new balance, apparently BT cannot do this as bill has already been sent - YES for the old amount, surely when a credit is applied this amends my account and a re-billed gets sent?? i have had a re-bill sent before years ago, so why cant this be done now?
Also i have debt collectors now chasing for BT adding 25% admin fee ontop, i asked the man on Live Chat if he can inform them of new amount/explain whats happened or cancel this action as RE-BILL me - but he has avoided this question 5 times now and i am getting right hacked off!!!!
Yes i am ranting, but this is really stressing me out now, i cant help fact i am unemployed - wasnt my intention to be jobless and it isnt greatest time of my life right now struggling and applying for jobs and getting nowhere in this countrys state at the mo.....at least im trying and i have phone BT back 6months ago to let them know straight away - as shows on back of bill - difficulty paying ring - well whats the point when "everyone treated same" and no payment plans allowed!!!
I have asked for a manager to call me, but they wont do this either, i would really appricate some help with this issue to get resolved ASAP.
Rant over

Hi
I am sorry to see you are having problems
I suggest you contact the forum mods they may be able to get this problem sorted for you this is a link to them http://bt.custhelp.com/app/contact_email/c/4951
They normally reply by email or phone directly to you within 3 working days they will take personal ownership of your problem until resolved and will keep you informed of progress
They are a UK based BT specialist team who have a good record at getting problems solved
This is a customer to customer self help forum the only BT presence here are the forum moderators
If you want to say thanks for a helpful answer,please click on the Ratings star on the left-hand side If the reply answers your question then please mark as ’Mark as Accepted Solution’

BT Mobile - Problem with Erroneous Credit Score an...

I have been a BT Customer for 35 years and have always paid my bills on time. I have a monthly direct debit for my landline and Broadband and have just added BT Mobile to my account. I have to say that I should have paid more attention when setting up BT Mobile online as it did flag through the process that there would be a cap of £50 spend outside the monthly plan and that roaming would be turned off. On receipt of the confirmation email on 2nd April this limit to my account was restated and was put down to my credit score. I called BT on the 2nd and was told that this was not a problem and the limits could be changed once the service had started. The service commenced on 8th April and on entering MYBT I am able to increase the monthly cap to £100 (not that i want or need to). However, the real issue I have is that I cannot activate Mobile Roaming. My account is flagged (Sorry, but you can’t use your phone abroad at the moment. You need to be a BT Mobile customer for six months first and have paid all your bills on time).
I rang BT on 10th April to find out what the problem is and was told that it was my credit score and there was nothing that could be done to change what had been done. I was told that I would need to find out for myself what adverse information was held by Equifax who BT use. After paying £14.95 to Equifax for a full report and credit score I found that my credit score is 527 which is deemed to be excellent against the UK average score of 380, and there is absolutely no adverse information whatsoever which is of no surprise to me. So what on earth are BT looking at. I have tried in vein to get somebody in BT to check my file as there must be an error. I suspect that when I applied on line the process is automated and the system has made a mistake. Rather than investigate my case I am just being told nothing can be done to let me use my phone whilst abroad. After several hours on the phone to various people over a few days I have come up against a brick wall.
Is there anyway a moderator could help me please. If I had known that I would encounter this I would not have signed up for BT Mobile and Ported my number which I would be loathe to loose.

it may well be nothing to do with your credit score, but more to do with bt internals
ie: I purchased a new second hand car last year (December), my bank who i have been with for over 10 years, have a current loan with (that ends this year) and have had previous loan with, never been overdrawn, wages paid in each month and bills paid on time said I could not have a loan and if they did offer one it would be at a very high interest rate (i am still waiting to fine out from them why), even though I got a loan through another company at a very good deal, I upgraded my 3 accounts with EE from T-Mobile in December and January which all required a new credit check went through without issues (and they offered me another line on my contract on Sunday, saying that my credit rating is perfect) . My credit rating from experian when I checked (because of my bank) was Green and in Excellent condition.
The only thing I know was 11 years ago I got in financial debt (the bank purchased the debt from another company, but I paid everything off by scrimping and scraping for a number of years) - it may be that they are still using against me, but every other company has said they find nothing wrong with my rating, but what I have heard is that they reset ratings every month, so you may be fine to get something on the 1st of the month, but if applied on the 2nd they would refuse it.

Why can't I change my Nickname or Reviews/Ratings in iTunes Account Info Settings?

Hello,
I was messing around some more in iTunes, and went to the iTunes store to change some of my Account Information. I successfully changed my email and payment info under the heading "Apple ID Summary" ...but I had some issues editing my information in the "Settings" section.
I will explain what happened, or did not happen, briefly. My question, for lack of more specific words, is, why will iTunes Store not follow through with these commands?
All follows in the iTunes Store > Account Information > Settings:
1) I clicked on the link "Edit Nickname" so I could change it to something more "mature" (as I made this name when I was about 17 years old). This link took me to a different screen within iTunes Store, where I typed in my desired new Nickname in the appropriate space. However, when I clicked "Submit," the screen simply did nothing. No error message, no successful change, nothing at all...it just stayed the same.
2) I tried also to edit the "Reviews and Ratings" history by clicking on the "Manage" link. This link also led me to a different screen, showing two ratings I had made for games/applications on my iPod touch. I tried to click the "Remove" link next to each review. Again, nothing happened...no message at all, the screen simply stayed the same.
Again, I appreciate any help. Thanks!
--Bobby

Apparantly not, and here is the extremely unhelpful reply from Apple support I recieved;
From Support,
I understand that you want to change your nickname of your iTunes Store account. I am sure you are anxious at this time and I will do whatever I can to help you right away.
Jeff, you can change your iTunes Store billing information at any time. When you update your credit card number or billing address through the iTunes Store, any equivalent information you might use with MobileMe, iPhoto, Aperture, or the Apple Store online is also updated.
To update your billing address or credit card number, follow these steps:
1) Make sure you're using the latest version of iTunes. It can be downloaded free of charge from the Apple website:
http://www.apple.com/itunes/download
Note: Installing the latest version of iTunes will not affect your library or any items in your account that you haven't downloaded.
2) Click this link:
iTunes will automatically launch and the sign-in dialog will appear.
3) If you are not already signed in, you will need to enter your iTunes Store account name and password and then click the Account Info button.
4) On your Apple Account Information page, click Edit Payment Information
Make the necessary changes. Your billing address should be exactly the same as the address on your credit card statement and with the United States Postal Service (click "Find a ZIP Code" at http://www.usps.com and follow the onscreen instructions). This is important, because even differences in punctuation, abbreviation, and capitalization can cause payment errors that might prevent you from using the iTunes Store.
5) When all of the information is up to date, click Done.
When you update your billing information, the iTunes Store places an authorization hold on your credit card to verify your account information. You might see this authorization request on your online statement. This is not an actual charge; it is simply a test to confirm that your credit card account is active and has credit available to accommodate transactions.
Authorization requests are automatically removed from your account by your financial institution. The amount of time it takes to remove authorization requests varies by financial institution. If you have any questions about the way your financial institution handles authorization requests, please contact their customer-service department.
I hope that you will find this information helpful. I will be glad if you let me know that my email reached you in a right spirit.
Our customers deserve the best and our aim is to ensure that each and every customer of Apple must be happy and satisfied. If you have any questions or concerns in future, please let us know so that we can help you better.
Thank you for being a part of iTunes family. We are glad to have you as our customer.
Have a great day!
Sincerely,
Now, tell me how that helps at all. They almost directly change the subject,....Jeff, we understand you need to change your nickname....next sentence is telling me how to change my billing.
Also, i went through the process of changing billing and other info, which of course, didnt do ANYTHING to help change the nickname.

Have credit but itunes still charging me for purchases

I have over $90 in credit and made a small $4 purchase and itunes charged my credit card instead of taking it from my credit. When I try to get Apple support to get that fixed I'm just getting bounced around from screen to screen! Any suggestions on why that happened and how to get aht back? Thank you!!

Hi lindauk,
If you need help with your BT account I'll be happy to lend a hand.
Could you drop me in an email please? Use the 'contact us' form in my forum profile under the 'about me' section. You can find it by clicking on my username.
Thx
Craig
BTCare Community Mod
If we have asked you to email us with your details, please make sure you are logged in to the forum, otherwise you will not be able to see our ‘Contact Us’ link within our profiles.
We are sorry but we are unable to deal with service/account queries via the private message(PM) function so please don't PM your account info, we need to deal with this via our email account :-)”
td-p/30">Ratings star on the left-hand side of the post.
If someone answers your question correctly please let other members know by clicking on ’Mark as Accepted Solution’.

COMPLAINT - Debt Collection from Pastdue Credit So...

Hi,
I've received a letter from Pastdue Credit Solutions stating that I've outstanding BT Bill of £156.41 for property which I vacated in Oct, 2010.
As far as I know, before vacating the property, I contacted BT and paid all the outstanding amount.
But after 3 years, I'm being informed about this amount. No e-mail or call was made by BT to me for this amount immediately after I vacated the property.
During my tenancy period at that property, it was shared among three people. How I'm expected to get the amount from them if I'm receiving the letter after 3 years.
I've dropped mail to BT and tried to get answer from BT Chat/Call as well as from Debt Solution company, but I still haven't got any answer.
Can I get any help in this forum?

Were you the account holder hence you have received the demand? Are you still a bt customer?
If you like a post, or want to say thanks for a helpful answer, please click on the Ratings star on the left-hand side of the post.
If someone answers your question correctly please let other members know by clicking on ’Mark as Accepted Solution’.

Is it possible to import iTunes store ratings?

I'm interested to know if your able to have iTunes scan your library and import the iTunes Store ratings for songs. Reason being that I have tons of full albums and not enough time to go through every song.
Is this possible?

Unless you can show some form of residency you cannot buy from another country's store. The question on cross store purchasing is asked frequently so I'll just quote the most complete answer (courtesy of Dave Sawyer) from the many given:
In order to buy from any given country's iTunes Music Store, you must have either:
a) a credit card with a billing address in that country, or
b) a mailing address in that country and a gift certificate or a prepaid card that was bought in that country.
If you cannot fulfill one of these two sets of conditions, you will not be able to purchase from any given country's iTMS.
.......this is due to restrictions placed on Apple by the record companies and other rights holders (who are often completely different from country to country and so all require their own individual negotiations and contracts), not by Apple's choice. And this also applies to all the legal download stores that carry major-label content, not just the iTMS.

Credit card swiper & software for Mac

I'm selling my books at a meeting and will have my MacBook with me. What's the best hardware and software for swiping and processing credit cards? There are so many out there, I'd love to get the informed opinion of the Apple community.
I do have a PayPal account, so I can link with that if need be.
Thank you!

I use this: http://www.usbswiper.com/
It got high ratings from EBay and PayPal.

Giving and receiving ratings

One of the new features of our community is the ability for users to give and receive ratings.
Giving ratings is a way for community members to give positive feedback to another member based on the contents of a particular post. It’s a great way of recognising that the reply message was helpful to the discussion and deserves to be recognised. It lets others know you appreciate their time and effort helping you with your query.
How do I give ratings?
If a post has been a helpful reply to you, or you are reading a post that you think is a useful contribution to a discussion then you can rate that post by following these steps:
On the message from the member you’d like to rate, click on the pink star icon on left hand side of the message:
Once clicked, the ratings image will show the addition of at least one point. Different members can rate the same post, so that post can be rated a maximum of 99 times.
Once you have given the post a rating, both you and the user that has helped you will get credit for this. The original poster will get the ratings points and may appear in the Top Rated Authors leader board if they regularly help others. You will get credit for awarding ratings. This will help you move through the community ranks.
Important notes about Ratings
Members cannot rate their own posts, nor can members rate the same post more than once.
Anyone who has contributed a post to the community may give a rating to a post.
Retired BTCare Community Manager - StephanieG and SeanD are your new Community Managers
If you like a post, or want to say thanks for a helpful answer, please click on the Ratings star on the left-hand side of the post.
If someone answers your question correctly please let other members know by clicking on ’Mark as Accepted Solution’.

HI,
Please try to run program RBDMOIND with ta code se38.
Also see the below links for ALE AUDIT.
Check these docs...
https://www.sdn.sap.com/irj/servlet/prt/portal/prtroot/docs/library/uuid/f6d2d790-0201-0010-9382-b50b499b3fbe
https://websmp210.sap-ag.de/~sapdownload/011000358700003477212005E/HowTo_IDOC_Ack_20040817RR.pdf
/people/saravanakumar.kuppusamy2/blog/2005/01/20/configuration-tips-for-a-business-serviceintegration-process-to-send-back-ale-audit-idoc
Regards
Chilla..

Credit ratings

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