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(Click for frequent words.) 77 collateralized debt obligations 72 collateralised debt obligations 71 CDOs 69 collateralised debt obligations CDOs 66 synthetic CDOs 64 collaterized debt obligations 63 obligations CDOs 63 Collateralized Debt Obligations CDOs 62 ABS CDOs 61 Collateralized Debt Obligations 61 backed securities 61 CDO squareds 61 collateralised debt obligation 61 subprime mortgages 60 monoline insurers 60 monolines 60 securitized 60 subprime 59 CDO squared transactions 59 collateralized debt 59 CDO tranches 59 synthetic CDO 59 subprime mortgage 59 CDO squared 58 synthetic collateralized debt 58 synthetic collateralised debt 57 structured finance 57 collateralized debt obligation 57 MBSs 57 monoline insurer 57 RMBSs 57 subprime loans 56 Collateralized Debt Obligations CDO 56 CDO 56 CDOs squared 56 mezzanine tranches 56 risky subprime mortgages 56 securitized mortgages 55 RMBS CMBS 55 Collateralized Debt Obligation 55 CDOs CLOs 55 Re REMICs 54 SIVs 54 collaterised debt obligations 54 monoliners 54 ABS MBS 54 GSAMP 54 subprime CDOs 54 monoline 54 monoline bond 54 monoline exposure 54 collateralised debt 54 mezzanine CDOs 54 ABS CDO 54 credit default swaps 54 risky mortage 54 Abacus CDO 53 CDOs SIVs 53 collaterized debt obligation 53 Triaxx 53 subprime collateralized debt 53 subprime mortages 53 -Ecoscience Population Resources 53 ABS RMBS 52 mortgagebacked securities 52 securitized cardmember loans 52 securitizations 52 Collateralised Debt Obligations CDOs 52 collateralised loan 52 securitization 52 Credit Default Swaps CDS 52 CDO exposures 52 SIV lites 52 insurancelike 52 perpetual debentures 52 Ambac insured 52 sub prime 51 TruPS CDOs 51 securitisations 51 CDSs 51 illiquid securities 51 Synthetic CDOs 51 RMBS CDOs 51 CDOs collateralised debt 51 CDO CLO 51 lien RMBS 51 loans collateralizing 50 Tricadia 50 subprimes 50 tranched 50 CLOs 50 securities TruPS 50 default swap 50 tranching 50 ABCP conduits 50 writedowns 50 CRE collateralized debt 50 securitized subprime mortgages 50 Re REMIC 50 subprime RMBS 50 securitized pools 50 RMBS 50 CMBS 50 SIV 50 REMICs 50 subordinated tranches 50 synthetic CDO transactions 50 re REMICs 49 resecuritizations 49 re REMIC 49 rated tranches 49 derivatives 49 Collateralized Debt Obligation CDO 49 cov lite 49 AIGFP super 49 re remics 49 PPNs 49 CPDOs 49 MBIA insures 49 SIVS 49 negative convexity 49 Vehicles SIVs 49 Collateralized Loan Obligations 49 Mortgage Backed Securities 49 minibonds 49 nonconforming mortgages 49 SF CDOs 49 nonprime mortgages 49 mezzanine financings 49 ABACUS 49 Greywolf CLO 48 obligations CMOs 48 ABCP 48 suprime 48 CRE CDO 48 C BASS 48 write downs 48 backed securites 48 mortgages 48 AC1 CDO 48 asset backeds 48 securitizing mortgages 48 nonprime mortgage 48 collateralized mortgage 48 Securitizations 48 finite reinsurance 48 RMBS collateral 48 CREL CDOs 48 Structured Credit 48 Hudson Mezzanine 48 resecuritized 48 trust preferreds 48 variable annuities 48 Monoline 48 subprime mortage 48 securites 48 unsecuritized loans 47 securitized loans 47 notes CLNs 47 JER CRE CDO #-# 47 Rhinebridge 47 securitizer 47 CMBS CDO 47 MBIA 47 Repo #s 47 Swiss Re Capital Markets 47 Ischus 47 SIVs CDOs 47 TruPS 47 riskiest subprime 47 subordinate tranches 47 CDPCs 47 bespoke tranche 47 noninvestment grade 47 Structured Investment 47 Cheyne Finance 47 Moody's rated 47 CDOs collateralized debt 47 supbrime 47 counterparty exposures 47 Minibonds 47 Subprime writedowns 47 securitization trusts 47 CDS counterparties 47 Synthetic CDO 47 Syncora 47 Timberwolf CDO 47 paper ABCP 47 real estate CRE collateralized 46 Lehman Brothers nyse LEHMQ 46 reverse convertibles 46 securities 46 mortgage loan originations 46 supplies choline chloride 46 inverse floater 46 CMBX 46 subprime mortgage debacle 46 Landesbank Schleswig Holstein 46 XLCA 46 SF CDO exposure 46 Securitised 46 CMBS transactions 46 subprime lending 46 temporary impairments 46 inverse floaters 46 ARSs 46 Risky bets 46 illiquid assets 46 hedge funds 46 Foreclosures skyrocketed mortgage 46 FFELP student 46 AIGFP 46 prime RMBS 46 hedge fund redemptions 46 ABSs 46 riskiest tranches 46 CDO write downs 46 MBIA insured 46 CMBS collateral 46 Ambac 46 RPS2 46 #.#bn writedown 46 Ambac insures 46 muni bond 46 highly leveraged 46 nonprime 46 Sfr#bn 45 Rescap 45 assigned Negative Outlooks 45 swap counterparties 45 ABCP trusts 45 collateralization tests 45 subprime meltdown 45 reinsurance 45 RPS3 + 45 soured mortgages 45 subprime mortgage crisis 45 illiquid 45 CDO #-# Ltd. 45 CLO tranches 45 Financial Guaranty 45 Monolines 45 senior secured unitranche 45 CDO writedowns 45 TOBs 45 Agency MBS 45 ResCap 45 Re REMIC transactions 45 mortgage obligations CMOs 45 ACAS CRE CDO #-# 45 Leveraged loans 45 bond insurer FGIC 45 Willem Sels credit 45 collateralized loan 45 CLN Portfolio 45 obligation CDO 45 unregulated derivatives 45 Subprime 45 LCDX index 45 maturity mismatches 45 Basis Yield 45 subprime mortgages collateralized debt 45 perpetual preferred 45 CRE CDOs 45 Gramercy Realty 45 CDO collateralized debt 45 rated CREL CDOs 45 unamortized issuance costs 45 ABS CDO exposures 45 subprime mortgage originations 44 Vehicle SIV 44 assigns Rating Outlooks 44 AIG 44 pretax writedowns 44 Syncora Holdings 44 monoline exposures 44 performing obligors 44 Chris Hentemann head 44 Magnetar 44 AMBAC 44 Bear Stearns Asset Backed 44 souring mortgages 44 Derivative Fitch 44 resecuritization 44 CDS indices 44 Abacus CDOs 44 Eric Wasserstrom 44 Enhanced Leverage 44 ILWs 44 Fannie NYSE FNM 44 asset writedowns 44 LibertyBank Acquisition 44 BACM #-# 44 subprime contagion 44 OTTI charge 44 TSX COF 44 Schwab YieldPlus Fund 44 MBIA Ambac 44 TALF eligible 44 ABCP conduit 44 equity indexed annuities 44 subprime writedowns 44 Tony Tufariello 44 CIFG Guaranty 44 borrowers defaulted 44 Bear Stearns BSC.N 44 CREL CDO delinquencies 44 CRIIMI MAE 44 Subprime mortgage 44 Excludes Structured Securities 44 subprime debacle 44 FSAH acquisition 44 nonprime loans 44 GSO Capital Partners LP 44 PLRMBS 44 option ARMs 44 SIV lite 44 Junk bonds 44 securitizers 44 mortage backed 43 subprime originations 43 subprime mortgage meltdown 43 Markit CDX 43 Surface Specialties acquisition 43 OTTI charges 43 analyst Lori Appelbaum 43 Britannic Money 43 nonagency mortgage backed 43 Athilon 43 Credit Default Swaps 43 Manulife Financial Corp 43 Co Inc MER.N 43 underlyings 43 ABX indexes 43 temporary impairments OTTI 43 RMBS exposures 43 NYSE FNM PRM 43 EUR#.#b 43 multistrategy 43 indexed annuities 43 Securitization LLC 43 Triaxx CDOs 43 CREL 43 AC1 43 Sfr#.#bn [002] 43 CS Tremont 43 mortgage 43 Origen Financial 43 RMBS transactions 43 iTraxx Crossover index 43 securitization ABS 43 RUKN.VX 43 Fixed annuity 43 Subprime lending 43 EMEA CMBS 43 Commercial Mortgage Backed 43 MBS AFS 43 Protium 43 Jochen Felsenheimer 43 FSAH Acquisition 43 Sylvain Raynes 43 structured financings 43 counterparty risk 43 Sam Molinaro 43 plain vanilla mortgages 43 Primus Financial 43 ABK.N Quote Profile Research 43 Bearn Stearns 43 static synthetic collateralized 43 ratio LVR 43 CHF#bn 43 mortgages ARMs 43 Ambac Assurance Corp 43 MBS 43 temporary impairment OTTI 43 undercollateralized 43 BNP Paribas SA BNPQY 43 derivative 42 borrower defaulting 42 Trups 42 minibond 42 souring mortgage 42 loans CREL 42 hedge fund blowups 42 Rhineland Funding 42 growth acquisitions recapitalizations 42 Kian Abouhossein 42 leveraged buyouts 42 E TRACS 42 Sowood Capital 42 DuraSite platform 42 varying maturities 42 ChannelRe 42 FDIC insured institutions 42 SCI passim 42 PPIFs 42 overleveraging 42 Collateralized Mortgage Obligations 42 Securitization 42 CDO #-# 42 mismarkings 42 ABS CMBS 42 OTTI 42 bln usd writedown 42 underwriting 42 downgraded Ambac 42 nonprime borrowers 42 AIG FP 42 SF CDO 42 collateralizing 42 From WrestleMag.com From WrestleMag 42 preferreds 42 cedents 42 dealer floorplan 42 Resecuritization 42 CIFG NA 42 Subprime RMBS 42 payer swaptions 42 counterparty 42 CRE loans 42 Dale Lattanzio 42 collateralised 42 Tim Backshall chief 42 Indexed annuities 42 CIFG 42 CDS counterparty 42 Stable Value 42 Merrill Lynch MER 42 securitizes 42 SERVES #-# 42 YieldPlus Fund 42 Goldman underwrote 42 DCENT 42 Portfolio PCY 42 Student Loan ABS 42 OTC derivatives 42 Swiss Re RUKN.VX 42 Gilly sketch 42 subprime fallout 42 Debt Obligations 42 subprime Alt 42 Sierra Timeshare #-# 42 convertible arbitrage 42 RPS1 42 MGIC Radian 42 perpetual callable 42 Thomas V. Cholnoky 42 Swiss Re 42 sovereign debt 42 variable annuity 42 CMBS conduit 42 Lehman LEHMQ.PK 42 BondEdge 42 ARCap #-# 42 junior subordinated debentures 42 overcollateralisation 42 defeased loans 42 Petrotemex 42 centralized clearinghouses 42 conglomerates Saad 42 ijara 42 Mounting defaults 42 ABCPs 42 firmâ 42 James Jockle 42 RMK Funds 42 overcollateralized 42 Subprime loans 42 Primary Servicer Rating 42 FGIC insured 42 Halcyon Asset Management 42 mortgage backeds 42 RPS2 + 42 Amaranth hedge fund 41 derivative contracts 41 Foreclosures skyrocketed 41 Collateralised Debt Obligations 41 BOLI COLI 41 assigned Rating Outlooks 41 Kleros RE IV 41 HELOCs 41 paydowns 41 Balboa Reinsurance 41 collateralized 41 Magnetar Capital 41 lax underwriting 41 issuers counterparties 41 collateralised lending 41 recourse indebtedness 41 Conning Asset Management 41 Option ARMS 41 ABCP issuers 41 IKB 41 obj obj = 41 iTraxx Europe 41 AAA Aaa rated 41 hedge fund Magnetar 41 glorified IOUs 41 rate mortgages ARMs 41 securitisers 41 Variable annuity 41 fixed indexed annuities 41 CMBS mezzanine 41 ratings downgrades 41 leveraged buyouts LBOs 41 C BASS CBO 41 Viniar 41 counterparties 41 unamortized premiums 41 PXRE 41 + RR2 41 Collateralized debt obligations 41 LBOs 41 TimesSquare Capital Management 41 subprime mortgage defaults 41 defaulting subprime mortgages 41 http:/www.bearstearns.com 41 convertible arbitrage strategies 41 vintage subprime RMBS 41 John Tofarides 41 Macquarie Fortress 41 IndyMac MBS Inc. 41 Pay Option ARMs 41 MASTR 41 CATRADER 41 collateralization 41 guaranteeing repackaged 41 uncollateralized 41 ARM MBS 41 excluding unrealized gains 41 Naked shorting 41 BarCap Barclays Capital 41 Metrofinanciera 41 Freddie FRE 41 Unsecured lending 41 recalled PediaCare 41 credit raters 41 Regulation XXX 41 callable CDs 41 OTS oversaw 41 LCDX 41 uncollateralised 41 Asset Backed Securitization 41 REIT TruPS CDOs 41 Bear Stearns Cos. BSC.N 41 Balboa Reinsurance captive 41 BBBsf 41 reinsurers 41 agency callable debentures 41 Ambac Assurance Corp. 41 FGIC 41 Markit iTraxx Crossover 41 Residential Mortgage Backed 41 Aaa ratings 41 Real Estate CDO #-# 41 Option ARM 41 originating securitizing 41 Negative Outlooks indicate 41 finite reinsurance contracts 41 jumbo RMBS 41 hefty writedowns 41 exposures 41 inverse leveraged 41 BSC.N 41 franc writedown 41 Richard Parkus 41 Bears Stearns Cos. 41 conduit CMBS 41 OREO valuation 41 reinsurance recoverable 41 Bear Stearns 41 ABCP holdings 41 Auction Rate 41 Variable annuities 41 leveraged inverse ETFs 41 Asset Backed Securities 41 Credit raters 41 Carlyle invests 41 CLNs 41 mezz 41 Barrier Warrants 41 retrocessional reinsurance 41 Hannover Re AG HNR1.XE 41 Citigroup CN 行情 41 prized Neuberger Berman 41 Freddie Mac FMCC.OB 41 Negative Outlooks 41 stat arb 41 VRDOs 41 Wider spreads 41 Radian Asset 41 YieldPlus 41 insurer MBIA Inc. 41 SIV holdings 41 riskiest borrowers 41 notional amounts 41 Loan originations 41 GMACCM 41 collaterised 41 Nigel Dally 41 covenant lite loans 41 nonfarm nonresidential 40 hedge fund liquidations 40 unfunded commitments 40 AAAsf 40 PDCF 40 MBIA Inc MBI.N 40 Natixis SA 40 JPMCC 40 reinsurer 40 CCC/RR4 40 Inc LEH.N 40 overcollateralization 40 Fourgous transfers 40 rated AAA Aaa 40 CMBS servicer ratings 40 nonagency 40 Syncora Holdings Ltd. 40 mandatorily convertible notes 40 Insurer AIG 40 rating downgrades 40 UITs 40 FRBNY Facility 40 mezzanine tranche 40 inverse ETFs 40 counterparty defaults 40 CREL CDO 40 BlueCrest AllBlue 40 Structured Asset 40 default probabilities 40 variable annuity reinsurance 40 counter OTC derivatives 40 iTraxx Crossover Index 40 Metris Master Trust 40 swap counterparty 40 WM Advisors 40 AUCTION RATE SECURITIES 40 JAKKS diverse 40 Ambac MBIA 40 Mainsail II 40 Lehman Brothers 40 FHCF 40 Mortgage Investment Conduits 40 LTCM debacle 40 Schwab YieldPlus Funds 40 Asset Backed Commercial 40 Home Lenders Holding 40 Treasurer Paolo Tonucci 40 Monoline insurers 40 PV NIM 40 OTTI write downs 40 breakpoint discounts 40 RPS3 40 Collegiate Student Loan 40 cumulative perpetual 40 Credit Suisse CSGN.VX 行情 40 ILFC 40 structurers 40 Bear Sterns Lehman Brothers 40 nyse MBI 40 leaseback arrangements 40 dollar denominated intercompany 40 Citgroup 40 Folksamerica 40 VRDO 40 David Lichtenstein Lightstone 40 Recovery Ratings RRs 40 Bear Stearns Lehman Brothers 40 nonbank ABCP 40 specially serviced loans 40 Kleros Real Estate 40 bankrupt Lehman Brothers 40 RenRe 40 WHIP FIP BABIP 40 swaptions 40 XLFA 40 VelocityShares 40 leveraged 40 Nasdaq LCAPA 40 Subprime mortgages 40 iTraxx Crossover 40 Susan Katzke 40 AA-/A-1 + counterparty 40 MBS ABS 40 Ladenburg Thalmann Bove 40 HomeBanc Mortgage 40 #bp [001] 40 Tourre 40 SLC Student Loan 40 Leveraged buyouts 40 AIG counterparties 40 Sequoia Capital Lightspeed Venture 40 BWIC 40 collateral 40 CDS hedges 40 Covered Loans 40 Basis Yield Alpha 40 Ambac Assurance Corporation 40 Braver Stern 40 FirstMortgage Inc. 40 GSEs 40 Michael Huttner conservatively 40 prepayment speeds loan originations 40 reinsuring 40 Lehman Brothers LEHMQ.PK 40 Dubai World DBWLD.UL 40 Cheyne SIV 40 Eurosail 40 Deerbrook ® Insurance 40 mort gage 40 nonprime residential 40 Titularizadora 40 Mahesh Swaminathan 40 Madoff feeder 40 A#/P# 40 subservicing 40 sukuks 40 Alerian MLP Infrastructure 40 uninvested cash 40 CFO Erin Callan 40 FHLMC preferred stock 40 DEET castor oil 40 Janet Tavakoli 40 Securitized 40 GIBGIB 40 securitized timeshare 40 DoubleLine Capital 40 HiVol 40 observable inputs 40 subprime mortgages underpinning 40 analyst Vivek Juneja 40 # Chullora Equity 40 billionaire Maan 40 timeshare receivables 40 URDANG 40 Broadpoint DESCAP 40 Loan originations totaled 40 CastlePoint Re 40 Nikko Asset Management 40 PineBridge Investments 40 Epicurum 40 B piece resecuritizations 40 sovereign CDS 40 Subprime borrowers 40 TRS counterparty 40 principal paydowns 40 Goldman Sachs GS.N 行情 40 Pfandbriefbank 40 ML CFC 40 TRUPs 40 Lehman minibonds 40 reinvesting maturing mortgage 40 repackaged subprime mortgages 40 ABX.HE 40 Grainger GWW 40 leveraged buyouts recapitalizations 40 tranches 40 Bijan Moazami 40 misselling 40 LTCM 40 specially serviced loan 40 Chris Hentemann 40 StanCorp Mortgage Investors 40 Temporary Liquidity Guarantee 40 obligor concentration 40 leveraged ETFs 40 Capmark 40 asset write downs 40 CTIMCO 40 Ms. Vazza 39 Special Servicer Rating 39 Capmark Investments 39 RFC CDO #-# 39 Distressed Recovery DR 39 writedown 39 c defeasance 39 Adjustable Rate Mortgages ARMs 39 repo counterparties 39 accretable 39 ABSNet Loan 39 StanCorp Financial SFG 39 Fitch SMARTView 39 underwritings 39 insurer AIG 39 iTraxx indexes 39 Rialto Investments 39 Guy Moszkowski 39 multistrategy hedge fund 39 REMIC 39 assignee liability 39 TIAA Real Estate 39 D/RR6 39 cov lite loans 39 Meiji Yasuda 39 iPath ETN 39 MGIC Investment Corp 39 Opes 39 Pfandbrief 39 Societe Generale SA #.FR 39 GoldenTree 39 subprime mortgage delinquencies 39 obligation CLO 39 Markit iTraxx Europe 39 ultrashort bond 39 annuities 39 Craig Siegenthaler 39 ProFunds Group 39 HIG.N 39 ARCap 39 Criimi Mae 39 Freddie Mac FRE.N FRE.P 39 Primus Asset Management 39 nonaccruing 39 QSPE 39 securitization exposures 39 STOCK RATINGS SOURCE 39 CoCo bonds 39 Douglas Sipkin 39 FHA insured mortgages 39 nonlife 39 covenant lite 39 investable benchmark 39 Loglisci pleaded guilty 39 obligors 39 muni bonds 39 SGAM UK 39 mortgage defaults 39 Option ARMs 39 CDS 39 risker assets 39 PSF guaranty 39 Eric Beinstein 39 nontraditional mortgages 39 Fannie Mae FNM.N FNM.P 39 LOCOM 39 ceded reinsurance 39 Re REMIC classes 39 securities MBS 39 -Terri Schiavo SHY' voh 39 Based Asset Servicing 39 Markit ABX 39 founding HIG 39 Ocala Funding 39 Group Inc ABK.N 39 CDOs Squared 39 BSC.N Quote Profile Research 39 Collateralized Mortgage Obligations CMOs 39 facultative 39 Pfandbriefe 39 Deleveraging involves 39 markdowns 39 Nakheel sukuk 39 collateralizes 39 HE2 39 CLO #-# 39 MBIA MBI 39 CMHC insured 39 Peloton Partners 39 Structured Products 39 MER.N 39 B/RR3 39 HomeSide 39 Greenlight Re 39 Invesco AIM 39 Kleros 39 Real Estate HRE 39 Bear Stearns Merchant Banking 39 Trapeza CDO 39 consolidated VIEs 39 Sowood 39 ABN AMRO Incorporated 39 eliminates counterparty 39 SwFr#.# billion 39 default swaps 39 discount accretion 39 RenaissanceRe Holdings Ltd 39 finite reinsurance transactions 39 dealer floorplan ABS 39 Global Surveillance Criteria 39 GenRe 39 reinsurance treaties 39 Cusser 39 CitigroupC 39 Dixit Joshi 39 risk mitigants 39 collateralized reinsurance 39 Randy Whitestone 39 GICs 39 Citi Holdings 39 Allco Finance 39 obligations CLOs 39 Suki Mann credit 39 Prime RMBS 39 unitranche 39 FNM PRN 39 Steve Eisman 39 assigned Loss Severity 39 assign Outlooks 39 FDIC indemnification asset 39 Assured Guaranty 39 unrealized losses 39 nat cat 39 CIRe 39 B Fwd determines 39 PMRS portfolio 39 Markit CDX IG# 39 Fannie Mae FNMA.OB 39 Asset Management NRAM 39 Covered bonds 39 stock basedcompensation 39 RE CDO #-# 39 Finova 39 reinsures 39 BAML 39 ResCap GMAC mortgage 39 kitchen sinked 39 goat poo 39 Securitisations 39 MortgageIT 39 Beazer Homes Presentation 39 B-/RR6 39 SCOR.PA Quote Profile Research 39 Alcentra 39 FoFs 39 Societe Generale GLE.FR 39 d defeasance 39 securitize 39 Writedowns 39 Coventree sponsored 39 COMET Issuance Trust 39 poolwide characteristics modeled 39 debt restructurings TDRs 39 Praetorian Financial 39 overcollateralization ratios 39 i Rescind 39 Nonperforming loans totaled 39 Assured Guaranty AGO 39 BCP Ingredients manufactures 39 Structured 39 NYSE BSC PRG 39 NCSLT #-# 39 theglobe.com inc 39 industrial solvents TCE 39 Noel Kirnon 39 Lehman Brothers Holdings 39 valuation adjustments 39 ringgit denominated 39 AmTrust 39 iBoxx 39 UBS UBSN.VX 39 Aioi Insurance Co. 39 sterling denominated 39 DTR #.#.# c 39 noncash accounting 39 Coventree 39 trader Fabrice Tourre 39 exploding ARMs 39 MSR hedging 39 purchases securitizes sells 39 nonmortgage 39 Term Securitization 39 loan participations 39 UBS Warburg LLC 39 Catastrophe losses 39 AldarAldar 39 USTreasury Bond 39 BNY Asset Management 39 Fieldstone Investment 39 Dexia Crediop 39 ProFunds mutual funds 39 real estate CRE 39 commodity Murabaha 39 www.syncora.com 39 FINCAD analytics 39 Thomas Cholnoky 39 LEH Loading 39 WaMu 38 SFr#.#bn [003] 38 leaseback schemes 38 Moodyâ 38 BBB/BBB- 38 mispriced 38 AA/F1 38 Aggregate Index 38 SLABS 38 Sciens 38 FNC pioneered 38 Paper ABCP 38 Societe Generale uncovers 38 DRCM 38 Countrywide 38 cocos 38 dollar denominated 38 loan syndications 38 Taberna Preferred Funding 38 Bear Stearns Cos Inc 38 PIIGS Portugal Italy 38 Everbright Pramerica 38 VPBM