102117
For example , Moody 's uses it in the KMV model both to calculate the probability of credit default and as part of their credit risk management system .
 Moody 's
Please list all entity words in the text that fit the category. Output format is "word1, word2". 
Option: media, plant, vehicle, astronomical object, time, disease, animal, location, person, organization, mythical figure, food, biology, geographical phenomenon, instrument, event 
Text: {0} 
Answer:
 Moody 's