PACRA, carrying the onus of leadership, strives to contribute to industry growth and development by educating the users of ratings. In this regard, PACRA encourages its senior resources to share their knowledge, accumulated by virtue of their experience at PACRA, with the industry. Such knowledge sharing is primarily in the form of regular analytical writings contributed to various journals and other forums. As a mark of appreciation for personal effort, PACRA makes available all such material on its website. However, the views are made in the individual capacity of the contributor and PACRA not necessarily fully subscribe to those views.