Our research team recognizes that important facts, details and trends can be easily lost in the mass of information produced daily. To facilitate our research priorities, we extensively utilize information systems which allow us to process information that may be relevant to assess developing news, trends and credit momentum changes. One way we are accomplishing this is through the usage of CreditScope, a credit database software tool we have uniquely enhanced in conjunction with our affiliated company, Merritt Research Services, LLC. On the cutting edge of tracking fixed income credits, CreditScope is particularly beneficial to bridging the disclosure gap relative to credit information and financial analysis of municipal credits. Another application of technology in our research process is our virtual on-line library center, which focuses on filtering information relevant to investment surveillance.