The American big credit rating agencies,

And that's where the rating agencies come in. And these are Standard amp Poor's and Moody's.

But once again you have to realize that the rating agencies are also paid by the bankers, so the rating agencies are also have the incentive to kind of not see things when things are bad.

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There's a problem here though. The rating agencies, the ones that in theory should be independent, they've only given a company A a BB rating. This is a pension fund.

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Travel agencies' profits soared.

They're from multiple agencies.

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Even the better ones got only a satisfying(3) rating or sufficient(4) rating.

Zagat's has actually moved out of and diversified from rating restaurants, into actually rating healthcare.

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You want to ruin the rating?

I have a Class 2 rating.

Real estate agencies have many independent brokers.

The intelligence agencies wanted to arrest people.

There's all kinds of agencies in town.

And then I got my instructor rating.

And then finally you have the ratings agencies.

I work for quite a few different agencies...

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And maybe you had a 600 credit rating.

I don't know what their actual rating was.

So they have a very, very high rating.

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It had to be approved by actually two agencies.

And so the ratings agencies, Standard and Poor's and