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Fitch and S&P use (from the most creditworthy to the least) AAA, AA, A, and BBB for investment-grade long-term credit risk and BB, CCC, CC, C, and D for "speculative" long-term credit risk. Moody's long-term designators are Aaa, Aa, A, and Baa for investment grade and Ba, B, Caa, Ca, and C for speculative grade.
Rate Your Music (often abbreviated to RYM) is an online encyclopedia of music releases and films. Users can catalog items from their personal collection, review them, and assign ratings in a five-star rating system. The site also features community-based charts that track highest-rated releases.