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13 <br />Credit Rating <br />•Cost Benefit <br />•Ratings broaden the potential investor base <br />•Lowers cost of debt in most cases <br />•Perform a cost benefit analysis <br />•Primary Credit Factors <br />•Economic –trends & diversity <br />•Debt –structure & burden <br />•Financial –operations & flexibility <br />•Management –policies & flexibility <br />•Legal –bond security & flexibility