Best's Ratings reflect the A.M. Best Company's opinion based on a comprehensive quantitative and qualitative evaluation of a company's balance sheet strength, operating performance and business profile and, where appropriate, the specific nature and details of a rated debt security. Ratings may be changed, suspended or withdrawn at any time for any reason at the sole discretion of A.M. Best Company. These ratings are not a warranty of an insurer's current or future ability to meet its contractual obligations, nor are they a recommendation to buy, sell or hold any security. A.M. Best Company is not engaged in the offer or sale of any security and does not provide investment advice of any kind. Further, any and all ratings, opinions and information contained herein are provided "as is," without warranty of any kind, express or implied. A.M. Best receives compensation for its interactive financial strength ratings from insurance companies it rates. In compliance with Section 17(b) of the Securities Act of 1933, A.M. Best also discloses that it receives rating fees from most issuers of the debt securities it rates. These fees fall within a range of $5,000 to $480,000 per issue.