Upward rating potential exists, but will need to be accompanied by some combination of a reduction in the debt load, continued growth in liquidity, and consistent growth in cash flow leading to higher coverage levels.

Management will need to carefully monitor operating results and capital spending over the next two years in order to maintain the rating. Failure to meet projections could result in a rating or outlook change.

We believe that Temple University Health System will emerge with a clear improvement plan in the next few months. The related operational turnaround, however, could take one to two years, given the size of the operating gap so far this year.

The potential impact to Michigan can be huge. Like everyone else, we are keeping a close eye on the unfolding situation and trying to assess how large the impact may be.

The hotel industry sees great potential in the Jacksonville market. Otherwise these upscale hotels would be less likely to want to go in and manage, and put money into upgrading hotels to a higher level.

Screen a potential trainer with the same care that you use to screen a potential employee.