In This Issue:

•Timing the Rally in Homebuilding Stocks: Standard & Poor's thinks impairments may have peaked.
•Intelligencer: Headlines, Highlights, and What's on Our Minds
•The Observatory: Selected actions for November 16 through November 20.
•Virtualization: The Next Buzz Word: The amount of spending on virtualization software and services is expected to skyrocket.
•Total Return Portfolio: Despite Bank of America's exposure to subprime debt, we think the company can withstand the turmoil in the credit markets.

Some of the Companies Featured:

Allergan
Bank Of America
Home Properties
Huntington Bancshares
Mcdonald's
Moneygram International
National Grid Group
Xerox

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About Standard & Poor's

Standard & Poor's is one of the world's preeminent providers of credit ratings, and for such globally recognized financial-market indices as the S&P 500®. S&P also provides a wide range of other products and services designed to help individuals and institutions around the world make better-informed financial decisions with greater confidence.