Our Ratings Definitions:

Buy rated stocks generally have twelve month price targets that are more than 20% above the current price. Accumulate rated stocks generally have twelve month price targets above the current price but lack a visible catalyst. This rating includes Early View coverage. Neutral rated stocks generally have no price target and we would sell the stock.

Prior to December 31, 2005, our Ratings definitions were:

Buy: 12 month or longer price target generally is at least 20% higher than the current price. Neutral: 12 month or longer price target generally is in a range of 19% higher to 10% lower than the current price. Sell: 12 month or longer price target generally is at least 10% below the current price. Early View: evolving fundamentals; insufficient information to assign Buy/Neutral/Sell rating or price target.