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The program provides Financial Ratings Online and Financial Literacy Basics offers an online resource of carefully compiled and researched Financial Ratings Series providing a single source for import... The program provides Financial Ratings Online and Financial Literacy Basics offers an online resource of carefully compiled and researched Financial Ratings Series providing a single source for important banking, insurance and investment ratings, and financial planning tools. Must be an independent rating service for approximately 900 life and annuity insurers, 2,700 property and casualty insurers, and 600 health insurers and HMO's plus 8,000 banks and S&Ls. The U.S. General Accounting Office validated ratings accuracy in its Insurance Ratings study. Must distributes independent ratings on shares of thousands of publicly traded companies, mutual funds, closed-end funds, and ETFs. Must provide Financial Literacy Basics provides the essentials of early financial literacy in accessible terms for subjects such as renter’s insurance, checking accounts, paying back student loans, starting a 401k, and sticking to a budget. Must be able to provide an existing commercial off the shelf platform in the library marketplace.