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Moody s and fitch and standard and poor s rate companies and countries. the better the rating, the more app. people are to invest in those countries. the countries and cheaper they can borrow money. s&p is saying america is a higher risk today than it was last week. that doesn t meent u.s. will automatically pay a higher interest rate but it likely will experts say down the line. that means many states will hi also pay higher interest rates and many cities as well. when it comes right down to it, shep, that means we will all end up paying higher interest rates on mortgages and credit cards and the like. shepard: biggest complaints trace revolve around how the companies make their money. yeah. because the companies that are being rated by moody s and fitch and s&p are paying to get those ratings. so the critics say it s a very cozy relationship. remember, standard and poor s got hammered. because back in 2008 they actually gave trip hell a ratings to those mortgage-backed securities ....