| Buy: |
We believe the stock has significant total return potential (over 20%) in the coming 12 months. |
| Long-term Buy: |
We believe the stock is an above average holding in its sector, and expect solid total returns to be realized over a longer time frame than our Buy rated issues. |
| Neutral: |
We believe the stock is an average holding in its sector, is currently fairly valued, and may be used as a source of funds if better opportunities arise. |
| Underperform: |
We believe the stock is vulnerable to a price decline in the next 12 months. |
