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  "notes": "Includes comparative ratings for JPM, BAC, and WFC, and detailed ratings from Moody's, S&P, and Fitch for First Republic.",
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      "text": "Please note, a credit rating is not a recommendation to buy, sell or hold securities and may be subject to revision, suspension or withdrawal at any time by the assigning rating organization.",
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      "text": "Comparison of Moody's and S&P ratings for First Republic, JPM, BAC, and WFC.",
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      "text": "Credit ratings reflect consistently strong capital levels, asset quality and liquidity",
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      "text": "Appendix: First Republic Credit Ratings",
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