below the other two ratings agencies, moody's and s&p. it really indicates a mixture of strengths and weaknesses with the city's credit. the strengths are diversity of our economy, the fact our local economy has outperformed most of the stake, part property-tax base remains strong, and as a city and county combined, we have diversity that others did not have. generally speaking, the fiscal management within the confines of the fiscal year has remained very strong. we have demonstrated that time and again with revenue compared with the budget, the mayor and the board quickly responded for many years with solutions to keep the budget in balance. those are the strengths. the weakness which are driving to downgrade or a mixture of things. ithe city has drawn very heavily through its reserves and fund balances. we have drawn down over $100