Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. A set-off clause is a legal clause that gives a lender the authority to seize a debtor's ...

Troy Segal is an editor and writer. She has 20+ years of experience covering personal finance, wealth management, and business news. Michael Boyle is an experienced financial professional with more ...

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings.