officialized books make credit past months much focus put understanding var calculated risktrac however everyone note credit department also receives information market risk credit risk inherently different different requirements memo serves reminder key differences credit system uses risktrac differently market risk affects us key problems credit system caused data changes made risk management groups differences credit market risk know many ba book flat still effect credit flat books must officialized market risk keyed positions curves make money market risk reduced credit risk keyed positions customers make money credit risk increased people owe us money credit system uses risktrac differently market risk market risk picks officialized books book officialized pick book credit picks officalized books book officialized picks previous day position therefore positions book moved book b longer officialized credit picks previous day position book result book longer used please officialize first day longer used credit pick 0 go forward basis market risk concerned counterparty codes names credit needs correct counterparty codes names recent months counterparty information deteriorated enron official counterparty names need used flow properly credit key problems credit system caused data referenced correct counterparty names books 0 positions officialized credit picks previous day info takeaway message please ensure correct counterparty names used book 0 positions officialized first day 0 positions specific questions credit please call debbie brackett x 35856