The rating history for this credit rating accurately reflects the current status of the (sf) indicator but, due to technical limitations, does not accurately reflect the (sf) indicator history. CBG in August when the SP started to bounce around the overbought territory. Volumes up but loan margins down might worry some but I'm OK with it as the margins achieved in the past couple of years were nothing short of remarkable so were always going to be extremely difficult to maintain let alone increase. I think a bottom for the share price has been reached and the statement suggests full year results will be at least in line with broker estimates.I think probably they will exceed by approx. I think now its just the realisation that the rate of growth is going to be much slower (5%) compared to the previous few years (15%). I rate Close a solid hold now with not much chance of large share price increase over the next couple of years. My guess is that, rather than have an analyst look at the figures, they feed them into a computer program. I just haave to go on the history of the particular operation. Wealth 150+ funds offer the ultimate combination of first-class performance potential and low management charges for UK investors.