Six major credit agencies determine insurers' financial strength and viability to meet claim obligations. They are: AM Best Company, Moody’s Investor Services, Duff & Phelps, Inc., Fitch, Inc., Standard & Poor’s Corporation, and TheStreet.com Ratings, Inc. Factors considered include company earnings, capital adequacy, operating leverage, liquidity, investment performance, reinsurance programs, and management ability, integrity, and experience. A high financial rating is not the same as a high consumer satisfaction rating. Generally, the ratings are shown as A++ (being the best) to D or E.