![](/assets/Train-Track-135x100.jpg)
Content from Steve Guijarro
Steve Guijarro is a Director and lead analyst in the North American Insurance Rating Group at S&P Global Ratings.![](/assets/Train-Track-135x100.jpg)
We have updated our privacy policy to be more clear and meet the new requirements of the GDPR. By continuing to use our site, you accept our revised Privacy Policy.