The key light is placed directly in front of the subject, often above the camera or slightly to one side, and a bit higher than is common for a three-point lighting plan. The second light is a rim light. Often a reflector is placed below the subject's face to provide fill light and soften shadows.
What is 'Fitch Ratings'. Fitch ratings is an international credit rating agency based out of New York City and London. The company's ratings are used as a guide to investors as to which investments are most likely going to yield a return. It is based on factors such as how small an economic shift would be necessary to affect the standing of the bond, and how much, and what kind of debt is held by the company. Next Up.
A credit rating agency is a private company whose purpose is to assess the ability of borrowers, either governments or private enterprises, to repay their debt. To do this, these agencies issue credit ratings based on the borrowerâs solvency. The three biggest global rating agencies control 95% of the market. They include Fitch Rating Ltd, Moodyâs and Standard and Poorâs. Since 2011, these independent companies have had to obtain certification from the European Securities and Markets Authority (ESMA) in order to operate in Europe.