{ "scoringui_title": "Score Company", "step": "STEP", "scoringResults": "Scoring Results", "footerText": "Required Information", "errorNotificationMsg": "Something went wrong. Try again later.", "noDataAvailable": "No Data Available", "selectionChangedBannerText": "Based on your inputs, scoring selections have changed. The following scoring Add-Ons have been disabled:", "stepTracker": { "scoringSelection": "Scoring Selection", "companyAndDataInputs": "Data Inputs", "scoringInputs": "Scoring Inputs", "adjustments": "Adjustments", "rgScore": "RiskGauge Score", "inputTrackerLabel": "Inputs", "macroScenarios": "Macro Scenarios", "lossStats": "Loss Stats", "sizeAdjustments": "Size Adjustments", "qualitativeAdjustments": "Qualitative Adjustments", "qAdjDisabledNote": "Note: Qualitative Adjustments are not supported if Company Type is Financial Institution.", "parentCompanyAdjustments": "Parent Company Support", "pAndGDisabledNote1": "Note: Parent Company And Governmental Support are not available if scoring a Private Company without financials.", "pAndGDisabledNote2": "Governmental Support is also not available for certain Industries.", "governmentSupport": "Government Support", "pdAdjustments": "Credit Cycle Adjustment", "back":"Back", "submit":"Submit", "next":"Next", "UploadToProprietaryData": "Upload to Proprietary Data", "PropUploadErrorMesaage":"An error occurred while uploading proprietary data", "trackerScoreErrorMesaage":"Error loading Generated Tracker data", "PropUploadSuccessMesaage":"Proprietary data uploaded successfully", "createCompanyError":"There was an error creating a company - please try again", "RgrReport": "RISKGAUGE REPORT" }, "scoringTiles": { "scoringSectionAddOns": "SCORING ADD-ONS", "companyAndDataInputs": "COMPANY INFORMATION", "scoringSectionAdditionalAnalysis": "ADDITIONAL ANALYSIS", "addQualitativeAdjustments" : "Add Qualitative Adjustments", "addQualitativeAdjustmentsDesc": "Apply an overlay that covers up to six broad qualitative risk dimensions and outputs an overall notch adjustment to the RiskGauge score.", "addParentCompanyAdjustments": "Add Parent Company Support", "addParentCompanyAdjustmentsDesc": "Apply a statistical overlay to quantify the impact of parental support on a company’s creditworthiness. Output will be an adjustment to the RiskGauge score.", "addGovernmentSupport": "Add Government Support", "addGovernmentSupportDesc": "Apply a statistical overlay to quantify the impact of governmental support on a company’s creditworthiness. Output will be an adjustment to the RiskGauge score.", "addPDAdjustments": "Add Credit Cycle Adjustment", "addPDAdjustmentsDesc": "Apply a Market View and/or a Credit Cycle overlay to adjust the RiskGauge score to more closely reflect a point-in-time (PIT) in the business cycle as compared to a through the cycle (TTC) assessment.", "runMacroScenarios": "Run Macro Scenarios", "runMacroScenariosDesc": "After a company is scored you can run multiple scenarios where you will be able to adjust your analysis with different macro economic variables.", "runLossStats": "Run Loss Stats" }, "pageTitles": { "selection": "SELECTION", "dataInputs": "DATA INPUTS", "adjustments": "ADJUSTMENTS", "scoringInputs": "SCORING INPUTS", "rgScore": "RiskGauge Score", "additionalAnalysis": " ADDITIONAL ANALYSIS" }, "scoringInputs": { "nonFinancialInputs": "Non-Financial Inputs", "nonFinancialInputsConfirmText": "Please confirm or edit the following scores:", "financialInputs": "Financial Inputs", "financialInputsSectionDescription": "Please enter the financial inputs [Millions, {{currency}}]:", "financialInputsImputationText": "I will allow for imputation of missing inputs.", "inputTooltipText": "You can enter the amount for total assets and/or total equity.", "corporateRiskScore": "Corporate Risk Score", "countryOrRegionRiskScore": "Country/Region Risk Score", "enterValueText": "Please enter a value", "requiredFieldText": "{{fieldName}} is a required field", "onlyNegativeValuesText": "{{fieldName}} should be entered as a negative value", "enterValidValueText": "Please enter a valid value", "enterValueGreaterZero": "Please enter a value greater than 0", "qadjustmentsConfirmText": "Please select the option that best describes each of the following qualitative adjustments:", "selectLabel": "SELECT AN OPTION", "undisclosed": "Undisclosed", "financialStatements": "FINANCIAL STATEMENTS", "skipLabel": "Skip", "excelFormula": "Excel Formula", "negativeScoringInputTooltip": "Cash outflow must be entered as a negative value.", "estRevIconTooltip": "Total Revenue amount is an estimated value based on the input user provided for Total Assets.", "modelVersion": "Model Version " }, "companyInput":{ "industry":"Industry", "country":"Country/Region", "state": "State", "countryText": "Country", "companyType":"Company Type", "currency": "Filing Currency:", "periodType": "Period Type:", "financialStatement": "Financial Statement:", "dataSource": "Data Source:", "asOfDate":"As of Date", "selectPeriod":"Select Period:", "selectDate":"Select Date", "decription":"Please tell us about the company you want to score today", "calculateScore":"Please share with us some information we need to calculate your score", "WithorWithoutFinancials":"Do you wish to calculate with or without financial?", "dataAndExchange":"Use financial statement date instead of selected period for non-financials and exchange rate", "companyInformation":"COMPANY INFORMATION", "edit":"Edit", "save":"Save", "feedBacktext":"This is a Required Field", "modelCheckMessage":"Selected Company Type or Industry/Geography inputs are insufficient to generate RiskGauge score. Please change the options to proceed further", "ok":"Ok", "companyDataWarning":"{0} Change Warning", "companyDataMessage":"Accepting these changes will require restarting the scoring process, as some inputs have changed. User may be required to re-enter inputs.", "companyDataBottomMessage":"To accept and proceed, click \"Accept\". To cancel and revert changes, click \"Cancel\".", "accept":"Accept", "cancel":"Cancel", "none": "None", "datasourceExtract": "Extracted", "datasourceExpand": "Expanded", "datasourceCapital": "S&P Capital IQ", "withFinancials": "With Financials", "withOutFinancials": "Without Financials", "withoutFinancialdisabledTitle": "Scoring without financials is not available", "withoutFinancialdisabledDesc": "Latest financial statement available to score OR insufficient benchmarks data to score \"without financials\" for the selected Country & Industry combination.", "createCompany": "Create Company", "loadInputs": "LOAD INPUTS", "suggestedIndustries": "Suggested Industries", "otherIndustries": "Other Industries", "loadInputsSelectCompanyInfoText": "To enable \"Load Inputs\" you must first select the Company Type, Country, and Industry of the company you wish to score in the \"Company Information\" section, above.", "loadInputsDisableText": "No changes to Data Inputs have been made since Inputs were loaded.", "allStates": "All States" }, "addStatement": { "collapsiblePanelLabel": "Add Statement", "quarterRadioHeading": "Quarter", "yearInputHeading": "Year", "saveButtonLabel": "Save", "cancelButtonLabel": "Cancel", "yearValidationMessage": "Please enter a valid year", "periodValidationMessage": "Year entered must be later than the most recent period available" }, "companyType":{ "publicCorporate":"Public Corporate", "privateCorporate":"Private Corporate", "publicFinancial":"Public Financial Institution", "privateFinancial":"Private Financial Institution" }, "qualitativeAdjustments":{ "addComment":"Add Comments", "enterRationale": "Enter Rationale", "CompetitivePosition":{ "Excellent":"The company typically has a very positive preliminary competitive position assessment (consists of competitive advantage and operational efficiency) and a way above average profitability assessment.", "Strong":"The company typically has a very positive preliminary competitive position assessment (consists of competitive advantage and operational efficiency) and an above average profitability assessment OR has a very positive preliminary competitive position assessment but without a way above average profitability assessment.", "Satisfactory":"The company typically has a positive preliminary competitive position assessment (consists of competitive advantage and operational efficiency) and an average/below average profitability assessment OR has a slightly positive preliminary competitive position and an average/above average profitability assessment OR has an average preliminary competitive position assessment and a way above average profitability assessment.", "Fair":"This is a situation arising between a Satisfactory assessment and a Weak assessment.", "Weak":"The company typically has a negative preliminary competitive position assessment (consists of competitive advantage and operational efficiency) and an average/below average profitability assessment OR has a very negative preliminary competitive position assessment and an average/above average profitability assessment.", "Vulnerable":"The company has a very negative preliminary competitive position assessment (consists of competitive advantage and operational efficiency) and a below average profitability assessment." }, "Diversification":{ "Significant":"The sources of the company's revenues are well diversified among different regions and industry segments.", "Moderate":"The sources of the company's revenues are, to some extent diversified among different regions and industry segments.", "Neutral":"The sources of company's revenues have no diversification effect." }, "CapitalStructure":{ "VeryPositive":"The company has a neutral preliminary capital structure assessment (consists of currency risk associated with debt, debt maturity profile, and interest rate risk associated with debt) and a very positive investments assessment.", "Positive":"The company has a neutral preliminary capital structure assessment (consists of currency risk associated with debt, debt maturity profile, and interest rate risk associated with debt) and a positive investments assessment OR has a negative preliminary capital structure assessment and a very positive investments assessment.", "Neutral":"The company has a neutral preliminary capital structure assessment (consists of currency risk associated with debt, debt maturity profile, and interest rate risk associated with debt) and a neutral investments assessment OR has a negative preliminary capital structure and a positive investments assessment.", "Negative":"The company has a negative preliminary capital structure assessment (consists of currency risk associated with debt, debt maturity profile, and interest rate risk associated with debt) and a neutral investments assessment OR has a very negative preliminary capital structure and a positive/very positive investments assessment.", "VeryNegative":"The company has a very negative preliminary capital structure assessment (consists of currency risk associated with debt, debt maturity profile, and interest rate risk associated with debt) and a neutral investments assessment." }, "FinancialPolicy":{ "Positive":"The company has a positive financial discipline assessment (consists of leverage level and volatility) and a supportive financial policy framework assessment.", "Neutral":"The company has a positive financial discipline assessment (consists of leverage level and volatility) and a non-supportive financial policy framework assessment OR has a neutral financial discipline assessment, regardless of the financial policy framework assessment.", "Negative":"The company has a negative financial discipline assessment (consists of leverage level and volatility), regardless of the financial policy framework assessment. " }, "ManagementGovernance":{ "Strong":"Majority of the company's management & governance sub-factors (earnings volatility, financial reporting quality, additional governance assessment, etc.) are positive.", "Satisfactory":"Some of the company's management & governance sub-factors (earnings volatility, financial reporting quality, additional governance assessment, etc.) are positive.", "Fair":"This is a situation arising between a Satisfactory and a Weak assessment.", "Weak":"Most of the company's management & governance sub-factors (earnings volatility, financial reporting quality, additional governance assessment, etc.) are negative or neutral." }, "PaymentBehavior":{ "Constant":"The company pays on a timely basis, or displays regular delinquent behavior (yet, below 90 days past-due).", "Erratic":"The company shows \"volatile\" payment behavior, sometimes paying on time and sometimes with a delay, or shows a sudden change in payment regularity." } }, "sizeAdjustments":{ "applySizeAdjustments":"Apply Size Adjustments", "sizeAdjustmentsText": "Please select what variable you want to use for the size adjustments:", "totalRevenueLabel": "Total Revenue [USD]", "totalAssetsLabel": "Total Assets [Millions, USD]", "totalEmployeesLabel": "Total Employees", "totalRevenueToolTip": "Select an estimated revenue range for the company. Score will be adjusted based on the size of the company derived from estimating Total Revenue.", "totalAssetsToolTip": "Input an estimated value for Total Assets for the company. Score will be adjusted based on the size of the company as defined by the value of Total Assets.", "totalEmployeesToolTip": "Input an estimated value for Total Employees for the company. Score will be adjusted based on the size of the company as defined by Total Number of Employees.", "totalAssets": "totalAssets" }, "PCA":{ "PCA_title": "Parent Company Support", "parentdatainput_title": "Parent Data Inputs", "parentcmpfininput_title": "Parent Company Financial Inputs", "parentcmpnonfininput_title":"Parent Company Non Financial Inputs", "focuscmpfininput_title": "Focus Company Financial Inputs", "focuscmpnonfininput_title": "Focus Company Non-Financial Inputs", "searchparentcompany": "Search Parent Company", "periodtype":"Period Type:", "datasource":"Data Source:", "perioddate":"Period Date:", "fillingcurrency":"Filing Currency:", "supportex": "Support Expectation:", "label": "Select an Option", "millions": "Millions", "thousands": "Thousands", "parentCompany": "PARENT COMPANY" }, "GovernmentSupport" : { "GovernmentSupport_title": "Government Support", "focuscmpnonfininput_title":"Focus Company Non-Financial Inputs", "focuscmpfininput_title":"Focus Company Financial Inputs", "govnonfininput_title": "Government Non-Financial Inputs", "GovernmentOwnership": "Government Ownership", "TotalEmployees":"Total Employees", "gdp":"Gross Domestic Product (Millions)", "population": "Populations (Thousands)", "netincome": "Net Income", "positive": "Positive", "neutral": "Neutral", "negative": "Negative" }, "PdAdjustments": { "pdAdjustmentsCreditCycle": "Apply Credit Cycle Adjustment", "adJustmentDate": "Adjustment Date", "pdAdjustmentsTopText": "Please select your Credit Cycle Adjustment date below.", "pdAdjustmentsBottomText": "A Credit Cycle Adjustment applies an adjustment to the RiskGauge score to convert it from a 'Through-the-Cycle' value to a 'Point-In-Time' value, which captures the effect of long term credit cycles. The adjustment is determined by comparing the previous 1YR ODR (Observed Default Rate) to the 35+ YR default history within the S&P Global Ratings database to account for credit cycle considerations." }, "trackerMiniGaugeWidget": { "heading": "RiskGauge Score", "grayedOutText": "Not Enough Data is Available", "esg" : "ESG", "qualitative" : "Qualitative", "points" : "Points" }, "scoringResultsPage": { "currencyReportedText": "Currency reported in {{currency}} (in mm)" } }