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Other credit-related opinions are described in section VI. Section IX includes a list of contacts for further information.

S&P Global Ratings provides other services not covered in this ratings definitions document.

Junior obligations are typically rated lower than senior obligations, to reflect the lower priority in bankruptcy, as noted above.

(Such differentiation may apply when an entity has both senior and subordinated obligations, secured and unsecured obligations, or operating company and holding company obligations.) An obligation rated 'A' is somewhat more susceptible to the adverse effects of changes in circumstances and economic conditions than obligations in higher-rated categories.

Short-term ratings are generally assigned to those obligations considered short-term in the relevant market.

Short-term ratings are also used to indicate the creditworthiness of an obligor with respect to put features on long-term obligations. Issue ratings are an assessment of default risk but may incorporate an assessment of relative seniority or ultimate recovery in the event of default.

Adverse business, financial, or economic conditions will likely impair the obligor's capacity or willingness to meet its financial commitments on the obligation.

The rating definitions provide the meaning of the letters, numbers, and words.

Additionally, some ratings feature qualifiers, suffixes, identifiers, prefixes, or a combination of these.

An S&P Global Ratings issue credit rating is a forward-looking opinion about the creditworthiness of an obligor with respect to a specific financial obligation, a specific class of financial obligations, or a specific financial program (including ratings on medium-term note programs and commercial paper programs).

It takes into consideration the creditworthiness of guarantors, insurers, or other forms of credit enhancement on the obligation and takes into account the currency in which the obligation is denominated.