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| TOP PICK | 32.160 | Michael Simpson, CFA | Credit bureau. #1 or #2 in all markets they are in. 2% dividend yield. Trades at about 8X cash flow. 17% ROE. Benefits from a credit contraction as banks do a more thorough research. Expecting more dividend increases. | 2011-09-15 | |
| TOP PICK | 36.840 | David Burrows | A growth company. There's a lot of consumer debt in the US and companies have to very sophisticated about the way they measure the amount of risk. A cash flow story. Have been taking their excess cash and buying back shares. Pays a dividend and have increased their dividend along the way. | 2005-07-13 |