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(Click for frequent words.) 72 Analysts 68 Observers 59 Political observers 56 Experts 55 Cynics 55 Commentators 55 Sceptics 53 watchers 53 Economists 52 Critics 51 analysts 51 Officials [002] 50 Proponents 50 Environmentalists 50 Skeptics 49 Others 49 Naysayers 49 Pundits 49 Insiders 49 ANALYST TAKE Analysts 48 Needless 48 Conservationists 48 Handset makers 47 Detractors 47 Pessimists 47 Traders 47 Purists 46 Scientists 46 Some 46 Suffice 45 Nutritionists 45 Executives 45 OUTLOOK Economists 45 Many 45 Organizers 45 Aficionados 45 Early adopters 44 Longer term 44 However 44 Nonetheless 44 Investors 44 observers 44 While 44 Knowledgeable observers 43 Potential buyers 43 Privacy advocates 43 Researchers 43 Strategists 43 Nevertheless 43 Conspiracy theorists 42 Regulators 42 Biologists 42 Hence 42 Analysts polled 42 Opponents 42 Moreover 42 Consensus forecasts 42 Organisers 42 Onlookers 42 Authorities 42 Sources 42 Locals 42 insiders 42 Analysts surveyed 41 Retailers 41 Sociologists 41 Indeed 41 Still 41 Oppenheimer Ittai Kidron 41 Analyst Rob Enderle 41 Privately 41 Traditionalists 40 Investigators 40 Historians 40 Informed sources 40 Dealers 40 Though 40 Currency traders 40 Deficit hawks 40 Similarly 40 nearing saturation 40 Milunovich 40 Furthermore 40 Connoisseurs 40 Pollsters 40 Broadpoint.AmTech analyst Benjamin Schachter 40 Backers 39 But 39 Educationists 39 Institutional investors 39 Dethroning Toyota experts 39 Does McWilliams 39 Unconfirmed reports 39 execs 39 Daimler Zetsche 39 Movie buffs 39 Ferragu 39 Soejanto 39 Although 39 Broker Panmure Gordon 39 analyst Ronald Gruia 39 Domestically 39 Devotees 39 spokesman Shinichi Tobe 39 Ivankoe 39 analyts 39 Garment exporters 39 Emerging economies 39 Supporters 38 DuPont Kullman 38 analyst Ehud Gelblum 38 Spread betters IG Index 38 analyst Tuna Amobi 38 Reviewers 38 subtracting Charlie Sheen 38 Campaigners 38 Astronomers 38 Lawmakers 38 Weather forecasters 38 Directionally 38 Doomsayers 38 analsyts 38 Carmakers 38 critics 38 Newspaper editorials 38 Civil libertarians 38 Demographers 38 Pecoriello wrote 38 Adherents 38 Currency strategists 38 analyst Yoshiharu Izumi 38 Azusa Kato economist 38 WHAT 'S EXPECTED Analysts 38 Advocates 38 Likewise 38 Seyrafi 38 Planners 38 WHATS AHEAD Analysts 37 NBCentralAsia analysts 37 Technophiles 37 MARKET EXPECTATIONS Analysts 37 Policymakers 37 Barton Crockett 37 identity theft Antle 37 Conspiracy buffs 37 Advertisers 37 Hardcore gamers 37 Sector Snap Analyst 37 analyst Rod Lache 37 Venture capitalists 37 Badishkanian 37 Leap MetroPCS 37 Craig Woolford 37 analyst Dvai Ghose 37 Ms Milanesi 37 Competitors 37 analyst Mario Mendonca 37 Developers 37 industryites 37 Not surprisingly 37 ANALYSTS 37 Activists 37 Operators 37 FMCG cos 37 analyst Tal Liani 37 analyst Maher Yaghi 37 Benjamin Schachter 37 Maher Yaghi 37 analyst Noriyuki Matsushima 37 Climate modelers 37 Paleontologists 37 Beyonics 37 Lest anyone 37 Grape growers 36 Luuk van Beek 36 Automakers 36 Daniel Berenbaum 36 Zuanic 36 Marketers 36 Fadaghi 36 analyst James McQuivey 36 analyst Michael Kovacocy 36 Trend spotters 36 Besides 36 marketmen 36 More importantly 36 Financial spreadbetters 36 analyst Maynard Um 36 Preservationists 36 Therefore 36 Silicon Valley cognoscenti 36 Yet 36 Archeologists 36 Of course 36 Nogee 36 Theo Kitz 36 Gajrawala 36 Prognosticators 36 Archaeologists 36 Dhabhai 36 Newspaper publishers 36 Consequently 36 BusinessWeek.com #/#/# [002] 36 Drbul 36 Vendors 36 Initially 36 analyst Safa Rashtchy 36 Economists surveyed 36 analyst Katherine Egbert 36 Drugstore chains 36 Motherboard makers 36 Previous studies 35 Fence sitters 35 megavendors 35 EXPECTATIONS Analysts 35 Walravens 35 Theorists 35 Max Warburton 35 V3.co.uk readers 35 Antitrust regulators 35 analyst Maarten Altena 35 WIMBLEDON England Bjorn Borg 35 EEDAR Jesse Divnich 35 aficionados 35 Steelmakers 35 Cihra 35 Yahoo spurns 35 Song Sang hoon 35 Oppenheimer Yair Reiner 35 Nay sayers 35 Squali 35 Mr Saligari 35 Prospective buyers 35 Analyst Francis Sideco 35 notoriously cyclical 35 So 35 Admirers 35 Chipmakers 35 Buyout firms 35 NBCentralAsia experts 35 Aftahi 35 Shamefaced Pakistani authorities 35 Hoteliers 35 Doubters 35 plea bargain Liguori 35 Several 35 Kayak Expedia 35 MIAMI Forecasters 35 Defense attorneys 35 They 35 spokeswoman Marlene Somsak 35 Film buffs 35 Ed Shemelya head 35 Seismologists 35 Both 35 subbrand 35 Generic drugmakers 35 Chaisatien 35 Meanwhile 35 Knowledgeable sources 35 Wine connoisseurs 35 Modoff 35 Carriers 35 Bankers 35 Mabrucco 35 Number crunchers 35 bizzers 35 Doctors 35 Even 35 Thus 35 Lastly 35 analyst Brian Modoff 35 analyst Elinor Leung 35 Philip Cusick 35 Old timers 35 Customers 35 Shopkeepers 35 Businesspeople 34 Prospective investors 34 Immigrant advocates 34 consultant Joshua Greenbaum 34 Aging boomers 34 Jason Bazinet 34 Mongiardo sexual orientation 34 analyst Brad Reback 34 CSFB strategists 34 Handset manufacturers 34 analyst Carmi Levy 34 analyst Gregory Melich 34 Card issuers 34 Ornithologists 34 Shinko Miura 34 Specifically 34 Interestingly 34 Shhhhh Bullock 34 analyst Heather Bellini 34 Promoters 34 analyst Takeo Miyamoto 34 Chrome OS notebooks 34 Numerologists 34 Seasoned observers 34 analyst Takaki Nakanishi 34 Speculative buying 34 selldowns 34 CNBC TV# learns 34 Yruma 34 Diplomatic sources 34 analyst Peter Misek 34 Savvy shoppers 34 Douglas Anmuth 34 Meantime 34 Glenn Vonderahe witness 34 Diptarup Chakraborti principal 34 Vulcanologists 34 Hans Slob 34 Blackpad 34 analaysts 34 Forecasters 34 We 34 experts 34 Moviegoers 34 counterbidder 34 Chairman Chang Xiaobing 34 Doradla 34 WiMax rollouts 34 analyst Cameron Doerksen 34 Analyst Steve Brozak 34 analyst Ittai Kidron 34 analyst Deborah Weinswig 34 Patrik Schwendimann analyst 34 CFO Tom Schoewe 34 Mosesmann 34 Aides 34 Scotty scolded J.Lo. 34 Tim Daubenspeck 34 Passersby 34 CHL.NYSE 34 WinPho 7 34 analyst Kathryn Huberty 34 Anecdotal reports 34 analyst Loren Loverde 34 pundits 34 Rival 34 UBS analyst Kaumil 34 Brian Piccioni 34 analyst Nick Bubb 34 Todd Raker 34 Diplomats 34 Dilip Sarangan 34 manfacturers 34 Those 34 Abortion opponents 34 analyst Charles Boorady 34 Volcanologists 34 Retek stockholders 34 Zander undoing 34 analyst Srini Pajjuri 34 Mr Thanavath 34 BusinessWeek.com #/#/# [004] 34 industry 34 Prosecutors 34 maket 33 analyst Curtis Shauger 33 Golvin 33 Warnsman 33 Bracelin 33 Eyewitnesses 33 Taken together 33 proponents 33 anaylsts 33 Astute observers 33 accountant Rana Theva 33 Pooh purists 33 Aboard Atlantis astronauts 33 Rashtchy 33 Beachgoers 33 greeted skeptically 33 Lujans denies 33 detractors 33 analyst Tim Bajarin 33 duopolistic 33 analyst Benoit Poirier 33 Witnesses 33 Hog raisers 33 Sacconaghi 33 Industry Ficci 33 Kaidesoja 33 industryâ 33 analyst Dara Mohsenian 33 Prabhat Awasthi 33 Downy marketers 33 analyst Youssef Squali 33 Undoubtedly 33 Salespeople 33 Dubravac 33 Masdea 33 unneeded biopsies expense 33 ER overtesting 33 gazers 33 analyst Brent Thill 33 analyst Gene Munster 33 Correspondents 33 Frykhammar 33 Timothy Arcuri 33 Consumers 33 Fans 33 retransmission consent fees 33 analyst Ajay Jain 33 analyst Jesse Tortora 33 Brueschke 33 Fashionistas 33 Chintopanth 33 Burchers 33 analyst Mark Wienkes 33 congloms 33 Observant readers 33 analyst Douglas Anmuth 33 Residents 33 CEO Jason Kilar 33 Chairman Matthew Szulik 33 analyst Rick Sherlund 33 Economists polled 33 Potential suitors 33 Marc Rene Tonn 33 Naza Motors 33 Crosstown rival 33 Ashok Agrawala computer 33 Warnsman wrote 33 Quadrani 33 analyst Walter Piecyk 33 Enthusiasts 33 Glen Yeung 33 irredeemably corrupt churches 33 TBR believes 33 Analyst Katherine Egbert 33 Arvani 33 Kobita Desai principal 33 analyst Mahesh Sanganeria 33 TV Lacerra 33 analyst Anthony Noto 33 Takeo Miyamoto 33 mega mergers 33 Fidacaro 33 Ellinghorst 33 Understandably 33 Widespread adoption 33 Filmgoers 33 outsell paperbacks 33 Chief Executive Harold Goddijn 33 Conversely 33 indsutry 33 Tsuyoshi Shimizu 33 CRAMS segment 33 Affin Holdings Bhd. 33 Thomas R. Wadewitz 33 Staffers 33 merged entity 33 Broker Numis Securities 33 Arbitrageurs 33 Veterinarians 33 Analysts Upgrades Downgrades 33 Macehiter 33 analyst Tony Wible 33 Steve Milunovich 33 Doubtless 33 And 33 Phil Skolnick 33 analyst Pablo Zuanic 33 analyst Ben Reitzes 33 Perhaps 33 faze Brin 33 HCS Worldwide 33 executives 33 Brokerages 33 analyst William Pecoriello 33 analyst Jason Helfstein 33 Baby boomers 33 spokesman Xavier Dominicis 33 Thirdly 32 purported bickering phantasmagoric 32 Craft brewers 32 Epidemiologists 32 Bosses 32 UOB KayHian 32 Kelertas 32 Entomologists 32 cannibalisation 32 economist Rohini Malkani 32 iPod Touch #/#G 32 analyst Elizabeth Osur 32 Claude Zehnder 32 analyst Victor Bareno 32 Citigoup 32 executive Arun Sarin 32 F#H# 32 analyst Sal Tharani 32 Subsequent phases 32 world No.4 steelmaker 32 STOCKS Futures rise 32 Clearly 32 ACC Ambuja 32 Reliable sources 32 IntergalaticEarth 32 ECONOMISTS 32 Saverio Romeo 32 analyst Himanshu Patel 32 Suji De Silva 32 Jason Napodano 32 analyst Kash Rangan 32 analyst Matt Rosoff 32 Konstantin Batunin 32 Movie goers 32 analyst Yair Reiner 32 Execs 32 Industry CII 32 analyst Uche Orji 32 exhibs 32 Whilst 32 Christophe Menard 32 Research Equities MRE 32 Offshore drillers 32 Helen Qiao economists 32 Spread bettors IG Index 32 Botticella appealed 32 analyst Ann Duignan 32 analyst Ramon Llamas 32 Sanganeria 32 PLDT Digitel 32 Shinichiro Matsushita 32 analyst Karsten Weide 32 SMALL MIDCAPS Stocks 32 consumers 32 Bargain hunters 32 make sweeter counteroffer 32 Spykee makers 32 buysiders 32 WHAT 'S AHEAD 32 profit margins 32 Co. analyst Shebly 32 Kim Seong joo 32 MAIN FOCUS Analysts 32 analyst Gregory Badishkanian 32 Tchilinguirian 32 Unimpressed environmentalists called 32 Meteorologists 32 Unnamed sources 32 Initial indications 32 marketshare 32 Increasingly 32 Janedis 32 analyst Matthew Fassler 32 Strategy Analytics predicts 32 Elinor Leung 32 overestimate underestimate 32 Optimists 32 cynics 32 incoming barometers 32 Grocers 32 Shoppers 32 analyst Gus Papageorgiou 32 Sistla 32 Finola Burke 32 Zhong Shi 32 Supermarket chains 32 IT Blogwatch bloggers 32 offing 32 economist Rajeev Malik 32 Klude 32 Terrestrial broadcasters 32 hw# series 32 Evolutionary biologists 32 Afterward Cuza 32 Storeowners 32 Lauer prodded 32 Tao Levy 32 industrywide 32 supermarts 32 Kosin Sripaiboon 32 afficionados 32 analyst Ananda Baruah 32 CIBC economist Krishen 32 Niu Jun professor 32 analyst Laura Champine 32 analyst Hideyuki Maekawa 32 Brian Wagenbach 32 counterbidders 32 analyst Steven Wieczynski 32 Consultant ChFC 32 analyst Jeetil Patel 32 analyst Charlene Li 32 early adopters 32 webOS smartphone 32 Gartner Milanesi 32 gentle chiding asking 32 Lee Sun yeb 32 HealthDay News Researchers 32 Glaskowsky 32 STOCKS Futures 32 Andreas Willi 32 Traders SMMT 32 Widening spreads 32 Exporters 32 analyst Tavis McCourt 32 By DAWN KAWAMOTO 32 Kuittinen 32 Jeetil Patel 32 analyst Gurinder Kalra 32 Bloggers 32 Privacy watchdogs 32 Secondly 32 Commonfund Strauss 32 Restaurateurs 32 Majidimehr 32 analyst Kimberly Greenberger 32 Industry 32 analyst Glenn Novarro 32 watcher Dennis DesRosiers 32 analyst Fadi Chamoun 32 Netessine 32 Group WMG.N 32 analyst Doug Creutz 32 postmerger 32 Zoologists 32 analyst Jessica Reif 32 analyst Katherine Styponias 32 analyst Vivek Arya 32 Neuroscientists 32 Most 32 carbuyers 32 Netizens 32 Foodmakers 32 Conventional wisdom 32 Gottheil 32 NBCentralAsia commentators 32 STOCKS Futures flat 32 Additionally 32 commentators 32 Zackfia 32 analyst Dan Geiman 32 investors 32 Hard liners 31 consultant Dennis DesRosiers 31 Most importantly 31 Expectedly 31 Oh Hyun Seok 31 Suppliers 31 RESEARCH ALERT Citigroup 31 analyst Doug Leggate 31 analyst Allan Mishan 31 Chief Executive Ed Colligan 31 Coffee drinkers 31 analyst Justin Yagerman 31 New Age spiritualists 31 Apurva Shah head 31 Jakhanwal 31 SAfrica MTN 31 Sumit Malhotra 31 Tero Kuittinen 31 analyst Eileen Furukawa 31 Mevacor OTC 31 Chanko 31 Cenovus Energy CVE 31 Parishioners 31 analyst Louis Miscioscia 31 Villagers 31 Accordingly 31 Lisnic 31 Toyota Yaris subcompact 31 Joseph Pacious 31 Blue ray discs 31 analyst Didier Scemama 31 Korean Industries FKI 31 Cosmologists 31 Premarket roundup 31 analyst Mika Kitagawa 31 Diehard fans 31 market 31 Folgers coffee Pringles 31 Wedbush Pachter 31 Toyopet 31 Bandholz 31 Multinational corporations 31 Qwest MCI 31 Halliburton Lesar 31 Audiophiles 31 analyst Avi Greengart 31 Boffins 31 analyst Axel Funhoff 31 Paleontologists studying 31 analyst Chris Umiastowski 31 Peter Goldmacher 31 Blethen Maine newspapers 31 Tanona 31 analyst Anthony DiClemente 31 Honestly 31 manu facturers 31 likely worsened Snorek 31 Analyst Tim Bajarin 31 Fetyko 31 Silversteyn 31 Tachibana Hirano 31 Christopher Hogbin 31 Such 31 Pierre Ferragu 31 Michael Masdea 31 consultant Howard Davidowitz 31 analyst Rebecca Runkle 31 EXPECTATIONS Analysts polled 31 de Vleeschauwer 31 Incidentally 31 analyst Larry Biegelsen 31 Bugatch 31 Smaller 31 Hedge funds 31 Raw foodists 31 Biegelsen wrote 31 Itanium server 31 Early indications 31 Lopez Terradas 31 Boergers lifelong Democrat 31 Plastic surgeons 31 Lee Klaskow 31 analyst Philippe Huchois 31 Fiscally conservative Democrats 31 economist Riki Polygenis 31 profitability 31 Chief Executive Michael Rapino 31 analyst Alexia Quadrani 31 strategists 31 Undecided voters 31 Ms Gacis 31 purists 31 biz biz 31 Potential bidders 31 Geologists 31 Wildlife biologists 31 Housebuilders 31 MBM Resources 31 AMP demerger 31 celco 31 analyst Randal Konik 31 Astronaut Lopez Alegria 31 Govt defers 31 analyst Hitoshi Kuriyama 31 analyst Keith Waryas 31 Childe Freeman 31 NABE economists 31 multitouch mouse 31 Coles Woolies 31 Michael Linenberg 31 onsumers 31 Exxon XTO 31 phonemakers 31 Investors NYSE OHI 31 Sara Elford 31 Cash strapped 31 Gambling proponents 31 analyst Stacey Widlitz 31 offshorers 31 halo effect 31 Goldman Sachs JBWere GSJBW 31 Wei Daoke 31 Fresher barometers however 31 analyst Colin McGranahan 31 spokesman Sze Hunn 31 AdScape 31 earnigns 31 analyst Benjamin Reitzes 31 Jason Brueschke 31 H#CY# 31 Amazon NSDQ AMZN 31 analyst Charles Golvin 31 Michaele Salahis 31 PG Parental guidance 31 Audiences 31 Cathay Pacific #.HK 31 MetroPCS Leap 31 Rod Bourgeois 31 analyst Sapna Srivastava 31 Analyst Craig Moffett 31 analyst Tasneem Azim 31 Analyst Victor Bareno 31 analyst Robert Drbul 31 Greengart 31 Businesses 31 analyst Lizabeth Dunn 31 Yamarone 31 Bystanders 31 NAB strategists 31 WALL STREET Stocks 31 Perhaps unsurprisingly 31 Pajjuri 31 Coin collectors 31 Brent Thill 31 Nick Spoliar 31 Doineau 31 Razr2 V8 31 Pisharody 31 PhatWare specializes 31 Promoted tweets 31 analyst Steven Milunovich 31 Allen Nogee Principal 31 Presumably 31 Seo Jeong Kwang 31 ZunePhone 31 Product Profiles qualitatively 31 Otherwise 31 analyst Inder Singh 31 analyst Ron Tadross 31 Joanna Makris 31 Broker Cazenove 31 Dr Thanong 31 misguided cynics 31 analyst Ikuo Matsuhashi 31 Coupon clippers 31 analyst Alexander Peterc 31 officials 31 Casesa 31 Consumer Associations Fomca 31 Tan Jee 31 Cellcos 31 Broker Seymour Pierce 31 economist Joseph LaVorgna 31 Fulbright Lun 31 Beyonce bee AHN' 31 Inflationary expectations 31 Camilo Lyon 31 commoditisation 31 Nobel watchers 31 operator SNCB 31 Maruti Hero Honda 31 Paul Ginocchio 31 unlocked unsubsidized 31 visually literate 31 riser pipe undersea 31 PiperJaffray analyst Gene Munster 31 Near Sedona Ariz. 31 Leckow 31 Hitoshi Hayakawa 31 pleasant Tangherlini 31 Politicians 31 analyst Charles Grom 31 analyst Donald Fandetti 31 Detectives 31 c.banks 31 analyst Mark Wiltamuth 30 Kovacocy 30 Brokers 30 Cynicism aside 30 analyst Yaron Werber 30 Kerravala 30 analyst Pierre Ferragu 30 Ankershoffen declined 30 Thomas Singlehurst 30 Commuters 30 dealers restock depleted 30 Arash Amel 30 Auto ancillaries 30 analyst Aryeh Bourkoff 30 capital expenditure capex 30 analyst Grant Saligari 30 Apparently 30 Jubilant eclipse 30 analyst Andrew Lobbenberg 30 BusinessWeek.com #/#/# [003] 30 Gidley Kitchin 30 Grofik 30 Weinswig 30 Malaysian Manufacturers FMM 30 Pecoriello 30 Maruti Tata Motors 30 Alternately 30 analyst Sid Parakh 30 rare asexual births 30 Cardiologists 30 Separately 30 jettison unprofitable 30 gangbuster 30 makers 30 Companies 30 Hinsdale Nolte 30 John Heinbockel 30 USD# bn 30 Shippers 30 Homicide investigators 30 Bruynesteyn 30 analyst Laurent Horrut 30 Certainly 30 Cigarette makers 30 Anmuth 30 analyst Jon Bergtheil 30 jeering Soderling 30 Broadpoint.AmTech analyst 30 disties 30 analyst Dennis DesRosiers 30 legiters 30 Forrester Golvin 30 connoisseurs 30 Naturally 30 analyst Nikos Theodosopoulos 30 biz 30 analyst Bruce Harting 30 analyst Sasa Zorovic 30 economist Annette Beacher 30 BWS Financial 30 boon 30 Unsurprisingly 30 collapse Hauksson 30 Mochimaru 30 Clinton Mezvinsky nuptials 30 Yagerman 30 Vijay Jayant 30 exacerbate pituitary tumor 30 peccary species 30 Insolvency practitioners 30 analyst Rommel Dionisio 30 drugstore chain Walgreens 30 lawyer Saher Macarius 30 Kim Jeong hwan 30 Concertgoers 30 April Scee 30 distribs 30 Advisers 30 Pascale Nachtergaele 30 Vleeschhouwer 30 Rob Cihra 30 Divnich 30 Westerners likeliest 30 DEALTALK 30 analyst Nick Ingelbrecht 30 Tumazos 30 WebOS tablet 30 Analyst Richard Withagen 30 Reformers 30 Regardless 30 analyst Arndt Ellinghorst 30 Passers 30 Rick Sherlund 30 megabrands 30 Spread betters 30 Patrons 30 Spokespersons 30 economist Ralph Solveen 30 Firms 30 Select edible oils 30 AUTOSHOW UPDATE 1 30 Personally 30 Mulpuru 30 analyst Ben Cherniavsky 30 pelicans ibises 30 nimbler rivals 30 Somewhat unsurprisingly 30 Alternatively 30 analyst Joseph Altobello 30 Aging baby boomers 30 Consumer discretionaries 30 Cholesterol lowering drugs 30 Anthropologists 30 analyst Cody Acree 30 marketers 30 Readers 30 IAN LIDDLE Ja 30 Claudio Checchia 30 connected PNDs 30 analyst Jeff Kvaal 30 brokerages 30 Premarket futures 30 Heavily indebted 30 Yasuo Yabe director 30 traders 30 Paradoxically 30 Sheen ubiquity 30 Nick Bubb analyst 30 #.#-#.# bln usd [001] 30 Cazzulani 30 generic Vancocin 30 File sharers 30 Shiv Bakhshi 30 Kaumil Gajrawala 30 Sanford Bernstein analyst 30 GSJB Were 30 Newspaper columnists 30 analyst Arjun Murti 30 analyst Jason Asaeda 30 AGā 30 FY#/# [002] 30 analyst Budd Bugatch 30 telcos 30 Sharp SHCAY 30 De Vijlder 30 INVESTORS 30 analyst Michael Punzet 30 executive Marius Kloppers 30 Harteveldt 30 analyst Will Stofega 30 Frankly 30 Soured loans 30 analyst Sumit Malhotra 30 Charles Smulders