1.   The risk rating is a statistical measure of the probability of failure for companies with negative Z-Score.

2.   The risk ratings come from Morningstar.

3.   Accident estimates and risk ratings are strongly related for individual subjects.

4.   These ratings were significantly lower than the accident estimates and interacted differently with junctions, nonetheless, risk ratings and accident estimates were highly intercorrelated.

5.   In all cases the correlation of accident estimate with the other variables was higher than their correlation with risk ratings.

6.   The most interesting relationship in the data is the relatively high correlation between risk ratings and subsequent recall and it is worth investigating this in more detail.