Why should anyone listen to what the Standard & Poor's rating agency has to say ("Grading the outlook on debt," April 20)? They did a great job by rating all of the junk collateralized debt obligations (CDOs) during the financial crisis, and look what happened.

What they told Congress is only their opinion, not based on any real evidence, so they could avoid any legal repercussions. What a joke.

C.H. Webster, Randallstown