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14 <br />NEWSLETTER ENHANCEMENTS <br />•Layout updates <br />•Front page enhanced <br />•Consistent employment of headings <br />•Utilization of graphics and visuals <br />•Implementation of icons <br />•Stay informed page improvements <br />BOND RATING UPGRADE <br />Credit Highlights <br />•S&P Global Ratings raised its long-term rating to 'AA+' from 'AA' on St. Anthony, Minn.'s existing general obligation (GO) debt. <br />•At the same time, we assigned our 'AA+' long-term rating to the city's $2 million series 2024A GO improvement bonds. <br />•The outlook is stable. <br />•The upgrade reflects our opinion of the city's consistent valuation growth and consecutive surpluses in recent years that led to significant growth in available reserves, which provide healthy financial flexibility and help offset its high debt service carrying charge. <br />27 <br />28