{"id":32509,"date":"2024-03-14T08:32:58","date_gmt":"2024-03-14T08:32:58","guid":{"rendered":"https:\/\/cleanfintech.io\/?page_id=32509"},"modified":"2026-04-01T13:12:45","modified_gmt":"2026-04-01T13:12:45","slug":"what-is-rating","status":"publish","type":"page","link":"https:\/\/cleanfintech.io\/?page_id=32509","title":{"rendered":"What Is Rating?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"32509\" class=\"elementor elementor-32509\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-34bbc32c elementor-reverse-tablet elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"34bbc32c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2a967ac1\" data-id=\"2a967ac1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-77236aa2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"77236aa2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5bed1ceb\" data-id=\"5bed1ceb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3f163a48 elementor-widget elementor-widget-heading\" data-id=\"3f163a48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Understanding <span style=\"color:#C2DEF1;font-weight:800\">Credit Ratings <\/span><\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71efc4b5 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"71efc4b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-194d865b\" data-id=\"194d865b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-e816cb8 e-flex e-con-boxed e-con e-parent\" data-id=\"e816cb8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-264d365 e-con-full e-flex e-con e-child\" data-id=\"264d365\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f434d1 elementor-widget elementor-widget-image\" data-id=\"2f434d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/cleanfintech.io\/wp-content\/uploads\/2024\/04\/1-1024x1024.png\" class=\"attachment-large size-large wp-image-33201\" alt=\"\" srcset=\"https:\/\/cleanfintech.io\/wp-content\/uploads\/2024\/04\/1-1024x1024.png 1024w, https:\/\/cleanfintech.io\/wp-content\/uploads\/2024\/04\/1-300x300.png 300w, https:\/\/cleanfintech.io\/wp-content\/uploads\/2024\/04\/1-150x150.png 150w, https:\/\/cleanfintech.io\/wp-content\/uploads\/2024\/04\/1-768x768.png 768w, https:\/\/cleanfintech.io\/wp-content\/uploads\/2024\/04\/1-80x80.png 80w, https:\/\/cleanfintech.io\/wp-content\/uploads\/2024\/04\/1.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-736a697 e-con-full e-flex e-con e-child\" data-id=\"736a697\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-61d6e87 e-flex e-con-boxed e-con e-child\" data-id=\"61d6e87\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e6af5f elementor-widget elementor-widget-text-editor\" data-id=\"5e6af5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">In markets for stocks, commodities, goods or services, price answers the question: \u201cWhat\u2019s it worth to the buyers?\u201d In money and credit markets, the borrower \u201csells\u201d its credit to a lender who \u201cbuys\u201d a credit.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Everyone knows the value of money: money today is equal to its face value. The problem is future value: the value of money today plus a fair replacement cost.\u00a0 But what is that \u201creplacement cost\u201d? What is \u201dfair\u201d? \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">In textbooks, a fair replacement cost is the yield a lender earns by investing with a risk-free borrower. But in life, delinquency and default risk are real, so it must include compensation for the risk of principal loss.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-undefined-4a11548 e-flex e-con-boxed e-con e-parent\" data-id=\"undefined-4a11548\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-undefined-9eb1641 e-flex e-con-boxed e-con e-child\" data-id=\"undefined-9eb1641\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-undefined-6440296 elementor-widget elementor-widget-heading\" data-id=\"undefined-6440296\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Explore Real Value<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-undefined-1703c9d elementor-widget elementor-widget-text-editor\" data-id=\"undefined-1703c9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Understanding the value of money today versus its future value involves accounting for its face value and a fair replacement cost, which must include risk compensation due to delinquency and default risks.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-undefined-848a6de e-flex e-con-boxed e-con e-child\" data-id=\"undefined-848a6de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-undefined-0bd6193 elementor-widget__width-auto elementor-align-right elementor-widget elementor-widget-button\" data-id=\"undefined-0bd6193\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Understand Our Process<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-undefined-d5e3ecb elementor-widget__width-auto elementor-align-right elementor-widget elementor-widget-button\" data-id=\"undefined-d5e3ecb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Schedule Service<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-44120b3 e-flex e-con-boxed e-con e-parent\" data-id=\"44120b3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-128d2aa e-con-full e-flex e-con e-child\" data-id=\"128d2aa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-815d0da elementor-widget elementor-widget-image\" data-id=\"815d0da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/cleanfintech.io\/wp-content\/uploads\/2024\/04\/2-1-1024x1024.png\" class=\"attachment-large size-large wp-image-33219\" alt=\"\" srcset=\"https:\/\/cleanfintech.io\/wp-content\/uploads\/2024\/04\/2-1-1024x1024.png 1024w, https:\/\/cleanfintech.io\/wp-content\/uploads\/2024\/04\/2-1-300x300.png 300w, https:\/\/cleanfintech.io\/wp-content\/uploads\/2024\/04\/2-1-150x150.png 150w, https:\/\/cleanfintech.io\/wp-content\/uploads\/2024\/04\/2-1-768x768.png 768w, https:\/\/cleanfintech.io\/wp-content\/uploads\/2024\/04\/2-1-80x80.png 80w, https:\/\/cleanfintech.io\/wp-content\/uploads\/2024\/04\/2-1.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5537618 e-con-full e-flex e-con e-child\" data-id=\"5537618\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9150a28 e-flex e-con-boxed e-con e-child\" data-id=\"9150a28\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8796da8 elementor-widget elementor-widget-text-editor\" data-id=\"8796da8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">In markets for stocks, commodities, goods or services, price answers the question: \u201cWhat\u2019s it worth to the buyers?\u201d In money and credit markets, the borrower \u201csells\u201d its credit to a lender who \u201cbuys\u201d a credit.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Everyone knows the value of money: money today is equal to its face value. The problem is future value: the value of money today plus a fair replacement cost.\u00a0 But what is that \u201creplacement cost\u201d? What is \u201dfair\u201d? \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">In textbooks, a fair replacement cost is the yield a lender earns by investing with a risk-free borrower. But in life, delinquency and default risk are real, so it must include compensation for the risk of principal loss.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a93d4d3 e-flex e-con-boxed e-con e-parent\" data-id=\"a93d4d3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b27d211 e-con-full e-flex e-con e-child\" data-id=\"b27d211\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5b0e288 elementor-widget elementor-widget-image\" data-id=\"5b0e288\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/cleanfintech.io\/wp-content\/uploads\/2024\/04\/cf-ooq-1024x1024.png\" class=\"attachment-large size-large wp-image-33226\" alt=\"\" srcset=\"https:\/\/cleanfintech.io\/wp-content\/uploads\/2024\/04\/cf-ooq-1024x1024.png 1024w, https:\/\/cleanfintech.io\/wp-content\/uploads\/2024\/04\/cf-ooq-300x300.png 300w, https:\/\/cleanfintech.io\/wp-content\/uploads\/2024\/04\/cf-ooq-150x150.png 150w, https:\/\/cleanfintech.io\/wp-content\/uploads\/2024\/04\/cf-ooq-768x768.png 768w, https:\/\/cleanfintech.io\/wp-content\/uploads\/2024\/04\/cf-ooq-80x80.png 80w, https:\/\/cleanfintech.io\/wp-content\/uploads\/2024\/04\/cf-ooq.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-090291c e-con-full e-flex e-con e-child\" data-id=\"090291c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0c8636b e-flex e-con-boxed e-con e-child\" data-id=\"0c8636b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-204c464 elementor-widget elementor-widget-text-editor\" data-id=\"204c464\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Credit is the <\/span><b>willingness <\/b><span style=\"font-weight: 400;\">and the ability to pay. The will to pay is typically excluded from credit rating technologies, so the emphasis is on ability. What remains is a self-fulfilling prophecy: my credit is good because my credit is good, or my credit is bad because my credit is bad.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\"><strong>CreditSpectrum<\/strong>\u2019s technology is an assessment of the willingness to pay based on a look-back analysis of the borrower\u2019s repayment patterns and simulation of the changing picture of risk inside the credit structure with frequent updating.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-26187c58 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"26187c58\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-3b72fb9c\" data-id=\"3b72fb9c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-49529d93 elementor-widget elementor-widget-heading\" data-id=\"49529d93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Sign up for the  <span style=\"color:#8c9eaa;font-weight:800\"> CreditSpectrum <\/span> newsletter.<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14c5e342 elementor-widget elementor-widget-heading\" data-id=\"14c5e342\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Receive emails on our rating analysis, financial second opinions, and better financial approach &amp; trends.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-585ee59a elementor-hidden-mobile\" data-id=\"585ee59a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-620b9334\" data-id=\"620b9334\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4208ab91 elementor-widget elementor-widget-wp-widget-mc4wp_form_widget\" data-id=\"4208ab91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wp-widget-mc4wp_form_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>(function() {\n\twindow.mc4wp = window.mc4wp || {\n\t\tlisteners: [],\n\t\tforms: {\n\t\t\ton: function(evt, cb) {\n\t\t\t\twindow.mc4wp.listeners.push(\n\t\t\t\t\t{\n\t\t\t\t\t\tevent   : evt,\n\t\t\t\t\t\tcallback: cb\n\t\t\t\t\t}\n\t\t\t\t);\n\t\t\t}\n\t\t}\n\t}\n})();\n<\/script><!-- Mailchimp for WordPress v4.12.5 - https:\/\/wordpress.org\/plugins\/mailchimp-for-wp\/ --><form id=\"mc4wp-form-1\" class=\"mc4wp-form mc4wp-form-30964\" method=\"post\" data-id=\"30964\" data-name=\"myform\" ><div class=\"mc4wp-form-fields\"><div class=\"mc4wp-form-fields\"><div class=\"formwrap\"> <input type=\"email\" name=\"EMAIL\" placeholder=\"Your email address\" required=\"\"> <input class=\"submit ribbon_inv\" type=\"submit\" value=\"Sign up\"><\/div> <small>Don't worry! 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