moody upgrade great powerful research group may know moody recently upgraded enron baa 2 baal watch upgrade intitial credit meeting still questions primarily related control market credit risk end jeff mcmahon tim despain rick buy bill bradford meet eight members moody team questions centered around policy procedure wholesale businesses discussed var stress testing potential credit exposure make long story short subsequent meeting reconvened committee announced upgrade want know critical contribution discussion continue bar gets raised sure next year continue concerned risk management capabilities well extensions current platform tail risk intra day risk operational risk enterprise wide risk thank efforts supporting rac tangible benefits ted p still lots interesting opportunities extend paradigm