The third point is, the rating agencies are not really telling us how they are coming up with their ratings, but in this day and age, you can't even sell a candy bar without listing everything that's inside.
Pika e trete eshte, agjensite vleresuese nuk po na tregojne ne te vertete sesi dalin ata ne keto vleresime, por ne kete kohe qe jetojme, nuk mund te shesesh asnje cokollate pa listuar gjithcka qe ajo ka brenda.