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Because it is computed, not written. 22 scored factors are read straight from filed figures, so the same inputs always produce the same letter. A bank is not ranked against a REIT or a BDC — each peer group has its own lens, absolute floors sit on top of the ranking so a comfortable-looking B can still be capped, and a percentile beside the letter shows how far apart two names at the same grade really are. When the evidence is not there, we publish no letter and state the reason rather than guess.
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