Panel 3:   Recommendations and Alternatives to How the NAIC Uses Ratings

The economic crisis has resulted in steep rating downgrades and drops in asset values. Is the current ratings model adequate in measuring risk, especially the risk of structured securities? Are there better alternatives for measuring risk of fixed-income securities than credit ratings?

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Mani Sabapathi, CFA
                Principal, Structured Product Research
                Prudential Insurance

Rod Dubitsky
                Executive Vice President
                PIMCO Advisory

Robert Dobilas
                President and CEO
                Realpoint LLC

Matt Richardson
                Charles E. Simon Professor of Financial Economics, Director, Salomon Center
                New York University

Heather Brilliant, CFA
                Director of Stock Analysis
                Morningstar, Inc.