Sir, we are expert credit analysts. In 4 years, we did the credit analysis to invest in over $400 million of leveraged loans, secured bonds and preferred stock in CLOs in one of the largest finance companies in the world. That is not our only experience with credit analysis, but the most relevant. We would charge approximately $50 per hour and take 5 hours to complete a report on one company (for a total cost of $250 per report). The majority of the time spent on the analysis would be researching the industry and business. We could prepare at least 5 reports per week. If price information on securities is provided, we could make trade recommendations. A sample credit report can be provided upon request.