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The lowering of a credit score by a CRA can create a vicious cycle, as not only interest rates for that company would go up, but other contracts with financial institutions may be affected adversely, causing an increase in expenses and ensuing decrease in credit worthiness. In some cases, large loans to companies contain a clause that makes the loan due in full if the companies' credit rating is lowered beyond a certain point (usually a "speculative" or "junk bond" rating). The purpose of these "ratings triggers" is to ensure that the bank is able to lay claim to a weak company's assets before the company declares bankruptcy and a receiver is appointed to divide up the claims against the company. The effect of such ratings triggers, however, can be devastating: under a worst-case scenario, once the company's debt is downgraded by a CRA, the company's loans become due in full;
since the troubled company likely is incapable of paying all of these loans in full at once, it is forced into bankruptcy (a so-called "death spiral"). These rating triggers were instrumental in the collapse of Enron: since that time, major agencies have put extra effort into detecting these triggers and discouraging their use, and the U.S. Securities and Exchange Commission requires that public companies in the United States disclose their existance.
Attackable NPCs are generally referred to as monsters, regardless of their race. Players die when they receive enough damage from combat, poison, or obstacles to cause their hitpoints to fall to zero. Since its release, the game has been praised for its free-playing abilities and its availability on a web browser. Combat level, determined by applying a formula to the seven combat skills, is usually referred to simply as "level". Players interact with each other through trading, chatting, or playing combative or cooperative mini-games. A player and an NPC engage in combat. Ford event was removed for causing graphical problems within the game program. Players can be transformed by game characters or their surroundings into frogs, mushrooms, or small animals. Skills Main article: RuneScape skills A player collects coal using the mining skill. Standard weapons of
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