Ratings of the last 12 months
This list shows every rating MEQIRI has published for a stock, an ETF or a coin, and every change between Strong, Neutral and Weak. For stocks it also shows every valuation signal and its changes.
Counted from the public launch on 7 Nov 2026.
- Price target: none, MEQIRI does not give price targets.
- Fair value: for the valuation signal, that day's fair value, converted like the price. An estimate from the disclosed model, not a price target.
- Validity: until the rating or the valuation signal changes, time horizon about 12 months, recalculated every night.
- Price: last close before publication, converted into dollars at that day's ECB rate; ETFs in euros.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
12,971 entries
- Interface, Inc.7 Nov 2026Valuation signal Undervalued (first signal), Fair value $46.51, $30.74
- Neutral (first rating), Score 66, $245.00
- Valuation signal Fairly valued (first signal), Fair value $219.38, $245.00
- Strong (first rating), Score 72, $5.79
- Valuation signal Undervalued (first signal), Fair value $19.82, $5.79
- International Flavors & Fragrances Inc.7 Nov 2026Weak (first rating), Score 45, $82.62
- International Flavors & Fragrances Inc.7 Nov 2026Valuation signal Overvalued (first signal), Fair value $38.66, $82.62
- International Games System Co.,Ltd.7 Nov 2026Strong (first rating), Score 83, NT$736.00
- International Games System Co.,Ltd.7 Nov 2026Valuation signal Fairly valued (first signal), Fair value NT$858.61, NT$736.00
- Strong (first rating), Score 74, $23.54
- Valuation signal Undervalued (first signal), Fair value $34.00, $23.54
- International Paper Company7 Nov 2026Weak (first rating), Score 43, $34.53
- International Paper Company7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $47.68, $34.53
- International Seaways, Inc.7 Nov 2026Strong (first rating), Score 74, $98.02
- International Seaways, Inc.7 Nov 2026Valuation signal Undervalued (first signal), Fair value $152.09, $98.02
- International Tower Hill Mines Ltd.7 Nov 2026Weak (first rating), Score 31, $1.54
- Interparfums S.A.7 Nov 2026Strong (first rating), Score 80, $41.33
- Interparfums S.A.7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $37.14, $41.33
- Interpump Group S.p.A.7 Nov 2026Neutral (first rating), Score 68, $42.69
- Interpump Group S.p.A.7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $47.51, $42.69
- Interroll Holding AG7 Nov 2026Neutral (first rating), Score 63, $1,780.44
- Interroll Holding AG7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $2,865.78, $1,780.44
- Intershop Holding AG7 Nov 2026Neutral (first rating), Score 54, $190.50
- Intershop Holding AG7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $162.95, $190.50
- Intesa Sanpaolo S.p.A.7 Nov 2026Strong (first rating), Score 77, $6.90
- Intesa Sanpaolo S.p.A.7 Nov 2026Valuation signal Undervalued (first signal), Fair value $9.54, $6.90
- Intrepid Potash, Inc.7 Nov 2026Neutral (first rating), Score 51, $32.90
- Intrepid Potash, Inc.7 Nov 2026Valuation signal Undervalued (first signal), Fair value not meaningful, $32.90
- Intuit Inc.7 Nov 2026Strong (first rating), Score 77, $341.50
- Intuit Inc.7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $473.41, $341.50
- Intuitive Machines, Inc.7 Nov 2026Weak (first rating), Score 29, $10.47
- Intuitive Surgical, Inc.7 Nov 2026Strong (first rating), Score 77, $452.80
- Intuitive Surgical, Inc.7 Nov 2026Valuation signal Overvalued (first signal), Fair value $280.91, $452.80
- InvenTrust Properties Corp.7 Nov 2026Neutral (first rating), Score 60, $31.51
- InvenTrust Properties Corp.7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $34.65, $31.51
- Inventec Corporation7 Nov 2026Neutral (first rating), Score 50, NT$52.60
- Inventec Corporation7 Nov 2026Valuation signal Fairly valued (first signal), Fair value NT$56.65, NT$52.60
- Inventiva S.A.7 Nov 2026Weak (first rating), Score 30, $3.80
- Invesco Ltd.7 Nov 2026Weak (first rating), Score 42, $27.08
- Invesco Ltd.7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $72.11, $27.08
- Invesco Mortgage Capital Inc.7 Nov 2026Weak (first rating), Score 42, $5.41
- Invesco Mortgage Capital Inc.7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $6.79, $5.41
- Investar Holding Corporation7 Nov 2026Neutral (first rating), Score 63, $27.79
- Investar Holding Corporation7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $23.75, $27.79
- Investis Holding S.A.7 Nov 2026Neutral (first rating), Score 53, $177.07
- Investis Holding S.A.7 Nov 2026Valuation signal Overvalued (first signal), Fair value $126.91, $177.07
- Investment AB Latour (publ)7 Nov 2026Neutral (first rating), Score 66, $23.76
- Investment AB Latour (publ)7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $17.19, $23.76
- Investment AB Öresund (publ)7 Nov 2026Strong (first rating), Score 76, $15.53
- Investment AB Öresund (publ)7 Nov 2026Valuation signal Undervalued (first signal), Fair value $24.32, $15.53
- Investor AB (publ)7 Nov 2026Strong (first rating), Score 85, $43.35
- Investor AB (publ)7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $57.80, $43.35
- Investors Title Company7 Nov 2026Neutral (first rating), Score 61, $256.37
- Investors Title Company7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $227.12, $256.37
- Invisio AB (publ)7 Nov 2026Neutral (first rating), Score 69, $21.57
- Invisio AB (publ)7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $24.30, $21.57
- Invitation Homes Inc.7 Nov 2026Neutral (first rating), Score 59, $27.10
- Invitation Homes Inc.7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $29.57, $27.10
- Inwido AB7 Nov 2026Neutral (first rating), Score 68, $19.90
- Inwido AB7 Nov 2026Valuation signal Undervalued (first signal), Fair value $27.35, $19.90
- Ion Beam Applications S.A.7 Nov 2026Neutral (first rating), Score 58, $18.27
- Ion Beam Applications S.A.7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $19.19, $18.27
- IonQ, Inc.7 Nov 2026Weak (first rating), Score 42, $32.62
- IonQ, Inc.7 Nov 2026Valuation signal Fairly valued (first signal), Fair value not computable, $32.62
- Ionic Digital Inc. Class A7 Nov 2026Weak (first rating), Score 33, $59.45
- Ionic Digital Inc. Class A7 Nov 2026Valuation signal Overvalued (first signal), Fair value not computable, $59.45
- Ionis Pharmaceuticals, Inc.7 Nov 2026Weak (first rating), Score 32, $39.42
- Ionis Pharmaceuticals, Inc.7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $70.26, $39.42
- Iovance Biotherapeutics, Inc.7 Nov 2026Weak (first rating), Score 43, $8.04
- Iovance Biotherapeutics, Inc.7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $6.80, $8.04
- Ipca Laboratories Limited7 Nov 2026Strong (first rating), Score 70, $20.67
- Ipca Laboratories Limited7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $18.69, $20.67
- IperionX Limited7 Nov 2026Weak (first rating), Score 32, $14.10
- Ipsen S.A.7 Nov 2026Strong (first rating), Score 74, $177.19
- Ipsen S.A.7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $182.04, $177.19
- Ipsos S.A.7 Nov 2026Neutral (first rating), Score 66, $40.10
- Ipsos S.A.7 Nov 2026Valuation signal Undervalued (first signal), Fair value $121.22, $40.10
- Iren S.p.A.7 Nov 2026Neutral (first rating), Score 54, $2.75
- Iren S.p.A.7 Nov 2026Valuation signal Undervalued (first signal), Fair value $3.45, $2.75
- Iridium Communications Inc.7 Nov 2026Neutral (first rating), Score 54, $44.04
- Iridium Communications Inc.7 Nov 2026Valuation signal Overvalued (first signal), Fair value $22.01, $44.04
- Irish Continental Group plc7 Nov 2026Strong (first rating), Score 72, $8.89
- Irish Continental Group plc7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $6.87, $8.89
- Irish Residential Properties REIT plc7 Nov 2026Neutral (first rating), Score 54, $1.45
- Irish Residential Properties REIT plc7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $1.12, $1.45
- Iron Mountain Incorporated7 Nov 2026Weak (first rating), Score 43, $106.52
- Iron Mountain Incorporated7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $99.64, $106.52
- Ironwood Pharmaceuticals, Inc.7 Nov 2026Neutral (first rating), Score 67, $4.39
- Ironwood Pharmaceuticals, Inc.7 Nov 2026Valuation signal Undervalued (first signal), Fair value not meaningful, $4.39
- Isabella Bank Corporation7 Nov 2026Neutral (first rating), Score 60, $40.64
- Isabella Bank Corporation7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $33.46, $40.64
- Isetan Mitsukoshi Holdings Ltd.7 Nov 2026Neutral (first rating), Score 60, $10.30
- Isetan Mitsukoshi Holdings Ltd.7 Nov 2026Valuation signal Undervalued (first signal), Fair value $14.62, $10.30
- IsoEnergy Ltd.7 Nov 2026Weak (first rating), Score 31, $8.34
- Isuzu Motors Limited7 Nov 2026Neutral (first rating), Score 64, $13.42
- Isuzu Motors Limited7 Nov 2026Valuation signal Undervalued (first signal), Fair value $34.44, $13.42
- Italgas S.p.A.7 Nov 2026Neutral (first rating), Score 64, $10.18
- Italgas S.p.A.7 Nov 2026Valuation signal Undervalued (first signal), Fair value $14.29, $10.18
- Italmobiliare S.p.A.7 Nov 2026Neutral (first rating), Score 50, $28.30
- Italmobiliare S.p.A.7 Nov 2026Valuation signal Fairly valued (first signal), Fair value $23.32, $28.30
| Date | Security | Rating | Before | Score | Fair value | Price |
|---|---|---|---|---|---|---|
| 7 Nov 2026 | Interface, Inc. TILE | Valuation signalUndervalued | first signal | $46.51 | $30.74 | |
| 7 Nov 2026 | International Business Machines Corporation IBM | Neutral | first rating | 66 | $245.00 | |
| 7 Nov 2026 | International Business Machines Corporation IBM | Valuation signalFairly valued | first signal | $219.38 | $245.00 | |
| 7 Nov 2026 | International Consolidated Airlines Group S.A. IAG.MC | Strong | first rating | 72 | $5.79 | |
| 7 Nov 2026 | International Consolidated Airlines Group S.A. IAG.MC | Valuation signalUndervalued | first signal | $19.82 | $5.79 | |
| 7 Nov 2026 | International Flavors & Fragrances Inc. IFF | Weak | first rating | 45 | $82.62 | |
| 7 Nov 2026 | International Flavors & Fragrances Inc. IFF | Valuation signalOvervalued | first signal | $38.66 | $82.62 | |
| 7 Nov 2026 | International Games System Co.,Ltd. 3293.TWO | Strong | first rating | 83 | NT$736.00 | |
| 7 Nov 2026 | International Games System Co.,Ltd. 3293.TWO | Valuation signalFairly valued | first signal | NT$858.61 | NT$736.00 | |
| 7 Nov 2026 | International General Insurance Holdings Ltd. IGIC | Strong | first rating | 74 | $23.54 | |
| 7 Nov 2026 | International General Insurance Holdings Ltd. IGIC | Valuation signalUndervalued | first signal | $34.00 | $23.54 | |
| 7 Nov 2026 | International Paper Company IP | Weak | first rating | 43 | $34.53 | |
| 7 Nov 2026 | International Paper Company IP | Valuation signalFairly valued | first signal | $47.68 | $34.53 | |
| 7 Nov 2026 | International Seaways, Inc. INSW | Strong | first rating | 74 | $98.02 | |
| 7 Nov 2026 | International Seaways, Inc. INSW | Valuation signalUndervalued | first signal | $152.09 | $98.02 | |
| 7 Nov 2026 | International Tower Hill Mines Ltd. THM | Weak | first rating | 31 | $1.54 | |
| 7 Nov 2026 | Interparfums S.A. ITP.PA | Strong | first rating | 80 | $41.33 | |
| 7 Nov 2026 | Interparfums S.A. ITP.PA | Valuation signalFairly valued | first signal | $37.14 | $41.33 | |
| 7 Nov 2026 | Interpump Group S.p.A. IP.MI | Neutral | first rating | 68 | $42.69 | |
| 7 Nov 2026 | Interpump Group S.p.A. IP.MI | Valuation signalFairly valued | first signal | $47.51 | $42.69 | |
| 7 Nov 2026 | Interroll Holding AG INRN.SW | Neutral | first rating | 63 | $1,780.44 | |
| 7 Nov 2026 | Interroll Holding AG INRN.SW | Valuation signalFairly valued | first signal | $2,865.78 | $1,780.44 | |
| 7 Nov 2026 | Intershop Holding AG ISN.SW | Neutral | first rating | 54 | $190.50 | |
| 7 Nov 2026 | Intershop Holding AG ISN.SW | Valuation signalFairly valued | first signal | $162.95 | $190.50 | |
| 7 Nov 2026 | Intesa Sanpaolo S.p.A. ISP.MI | Strong | first rating | 77 | $6.90 | |
| 7 Nov 2026 | Intesa Sanpaolo S.p.A. ISP.MI | Valuation signalUndervalued | first signal | $9.54 | $6.90 | |
| 7 Nov 2026 | Intrepid Potash, Inc. IPI | Neutral | first rating | 51 | $32.90 | |
| 7 Nov 2026 | Intrepid Potash, Inc. IPI | Valuation signalUndervalued | first signal | not meaningful | $32.90 | |
| 7 Nov 2026 | Intuit Inc. INTU | Strong | first rating | 77 | $341.50 | |
| 7 Nov 2026 | Intuit Inc. INTU | Valuation signalFairly valued | first signal | $473.41 | $341.50 | |
| 7 Nov 2026 | Intuitive Machines, Inc. LUNR | Weak | first rating | 29 | $10.47 | |
| 7 Nov 2026 | Intuitive Surgical, Inc. ISRG | Strong | first rating | 77 | $452.80 | |
| 7 Nov 2026 | Intuitive Surgical, Inc. ISRG | Valuation signalOvervalued | first signal | $280.91 | $452.80 | |
| 7 Nov 2026 | InvenTrust Properties Corp. IVT | Neutral | first rating | 60 | $31.51 | |
| 7 Nov 2026 | InvenTrust Properties Corp. IVT | Valuation signalFairly valued | first signal | $34.65 | $31.51 | |
| 7 Nov 2026 | Inventec Corporation 2356.TW | Neutral | first rating | 50 | NT$52.60 | |
| 7 Nov 2026 | Inventec Corporation 2356.TW | Valuation signalFairly valued | first signal | NT$56.65 | NT$52.60 | |
| 7 Nov 2026 | Inventiva S.A. IVA.PA | Weak | first rating | 30 | $3.80 | |
| 7 Nov 2026 | Invesco Ltd. IVZ | Weak | first rating | 42 | $27.08 | |
| 7 Nov 2026 | Invesco Ltd. IVZ | Valuation signalFairly valued | first signal | $72.11 | $27.08 | |
| 7 Nov 2026 | Invesco Mortgage Capital Inc. IVR | Weak | first rating | 42 | $5.41 | |
| 7 Nov 2026 | Invesco Mortgage Capital Inc. IVR | Valuation signalFairly valued | first signal | $6.79 | $5.41 | |
| 7 Nov 2026 | Investar Holding Corporation ISTR | Neutral | first rating | 63 | $27.79 | |
| 7 Nov 2026 | Investar Holding Corporation ISTR | Valuation signalFairly valued | first signal | $23.75 | $27.79 | |
| 7 Nov 2026 | Investis Holding S.A. IREN.SW | Neutral | first rating | 53 | $177.07 | |
| 7 Nov 2026 | Investis Holding S.A. IREN.SW | Valuation signalOvervalued | first signal | $126.91 | $177.07 | |
| 7 Nov 2026 | Investment AB Latour (publ) LATO-B.ST | Neutral | first rating | 66 | $23.76 | |
| 7 Nov 2026 | Investment AB Latour (publ) LATO-B.ST | Valuation signalFairly valued | first signal | $17.19 | $23.76 | |
| 7 Nov 2026 | Investment AB Öresund (publ) ORES.ST | Strong | first rating | 76 | $15.53 | |
| 7 Nov 2026 | Investment AB Öresund (publ) ORES.ST | Valuation signalUndervalued | first signal | $24.32 | $15.53 | |
| 7 Nov 2026 | Investor AB (publ) INVE-B.ST | Strong | first rating | 85 | $43.35 | |
| 7 Nov 2026 | Investor AB (publ) INVE-B.ST | Valuation signalFairly valued | first signal | $57.80 | $43.35 | |
| 7 Nov 2026 | Investors Title Company ITIC | Neutral | first rating | 61 | $256.37 | |
| 7 Nov 2026 | Investors Title Company ITIC | Valuation signalFairly valued | first signal | $227.12 | $256.37 | |
| 7 Nov 2026 | Invisio AB (publ) IVSO.ST | Neutral | first rating | 69 | $21.57 | |
| 7 Nov 2026 | Invisio AB (publ) IVSO.ST | Valuation signalFairly valued | first signal | $24.30 | $21.57 | |
| 7 Nov 2026 | Invitation Homes Inc. INVH | Neutral | first rating | 59 | $27.10 | |
| 7 Nov 2026 | Invitation Homes Inc. INVH | Valuation signalFairly valued | first signal | $29.57 | $27.10 | |
| 7 Nov 2026 | Inwido AB INWI.ST | Neutral | first rating | 68 | $19.90 | |
| 7 Nov 2026 | Inwido AB INWI.ST | Valuation signalUndervalued | first signal | $27.35 | $19.90 | |
| 7 Nov 2026 | Ion Beam Applications S.A. IBAB.BR | Neutral | first rating | 58 | $18.27 | |
| 7 Nov 2026 | Ion Beam Applications S.A. IBAB.BR | Valuation signalFairly valued | first signal | $19.19 | $18.27 | |
| 7 Nov 2026 | IonQ, Inc. IONQ | Weak | first rating | 42 | $32.62 | |
| 7 Nov 2026 | IonQ, Inc. IONQ | Valuation signalFairly valued | first signal | not computable | $32.62 | |
| 7 Nov 2026 | Ionic Digital Inc. Class A IOND | Weak | first rating | 33 | $59.45 | |
| 7 Nov 2026 | Ionic Digital Inc. Class A IOND | Valuation signalOvervalued | first signal | not computable | $59.45 | |
| 7 Nov 2026 | Ionis Pharmaceuticals, Inc. IONS | Weak | first rating | 32 | $39.42 | |
| 7 Nov 2026 | Ionis Pharmaceuticals, Inc. IONS | Valuation signalFairly valued | first signal | $70.26 | $39.42 | |
| 7 Nov 2026 | Iovance Biotherapeutics, Inc. IOVA | Weak | first rating | 43 | $8.04 | |
| 7 Nov 2026 | Iovance Biotherapeutics, Inc. IOVA | Valuation signalFairly valued | first signal | $6.80 | $8.04 | |
| 7 Nov 2026 | Ipca Laboratories Limited IPCALAB.NS | Strong | first rating | 70 | $20.67 | |
| 7 Nov 2026 | Ipca Laboratories Limited IPCALAB.NS | Valuation signalFairly valued | first signal | $18.69 | $20.67 | |
| 7 Nov 2026 | IperionX Limited IPX | Weak | first rating | 32 | $14.10 | |
| 7 Nov 2026 | Ipsen S.A. IPN.PA | Strong | first rating | 74 | $177.19 | |
| 7 Nov 2026 | Ipsen S.A. IPN.PA | Valuation signalFairly valued | first signal | $182.04 | $177.19 | |
| 7 Nov 2026 | Ipsos S.A. IPS.PA | Neutral | first rating | 66 | $40.10 | |
| 7 Nov 2026 | Ipsos S.A. IPS.PA | Valuation signalUndervalued | first signal | $121.22 | $40.10 | |
| 7 Nov 2026 | Iren S.p.A. IRE.MI | Neutral | first rating | 54 | $2.75 | |
| 7 Nov 2026 | Iren S.p.A. IRE.MI | Valuation signalUndervalued | first signal | $3.45 | $2.75 | |
| 7 Nov 2026 | Iridium Communications Inc. IRDM | Neutral | first rating | 54 | $44.04 | |
| 7 Nov 2026 | Iridium Communications Inc. IRDM | Valuation signalOvervalued | first signal | $22.01 | $44.04 | |
| 7 Nov 2026 | Irish Continental Group plc IR5B.IR | Strong | first rating | 72 | $8.89 | |
| 7 Nov 2026 | Irish Continental Group plc IR5B.IR | Valuation signalFairly valued | first signal | $6.87 | $8.89 | |
| 7 Nov 2026 | Irish Residential Properties REIT plc IRES.IR | Neutral | first rating | 54 | $1.45 | |
| 7 Nov 2026 | Irish Residential Properties REIT plc IRES.IR | Valuation signalFairly valued | first signal | $1.12 | $1.45 | |
| 7 Nov 2026 | Iron Mountain Incorporated IRM | Weak | first rating | 43 | $106.52 | |
| 7 Nov 2026 | Iron Mountain Incorporated IRM | Valuation signalFairly valued | first signal | $99.64 | $106.52 | |
| 7 Nov 2026 | Ironwood Pharmaceuticals, Inc. IRWD | Neutral | first rating | 67 | $4.39 | |
| 7 Nov 2026 | Ironwood Pharmaceuticals, Inc. IRWD | Valuation signalUndervalued | first signal | not meaningful | $4.39 | |
| 7 Nov 2026 | Isabella Bank Corporation ISBA | Neutral | first rating | 60 | $40.64 | |
| 7 Nov 2026 | Isabella Bank Corporation ISBA | Valuation signalFairly valued | first signal | $33.46 | $40.64 | |
| 7 Nov 2026 | Isetan Mitsukoshi Holdings Ltd. 3099.T | Neutral | first rating | 60 | $10.30 | |
| 7 Nov 2026 | Isetan Mitsukoshi Holdings Ltd. 3099.T | Valuation signalUndervalued | first signal | $14.62 | $10.30 | |
| 7 Nov 2026 | IsoEnergy Ltd. ISOU | Weak | first rating | 31 | $8.34 | |
| 7 Nov 2026 | Isuzu Motors Limited 7202.T | Neutral | first rating | 64 | $13.42 | |
| 7 Nov 2026 | Isuzu Motors Limited 7202.T | Valuation signalUndervalued | first signal | $34.44 | $13.42 | |
| 7 Nov 2026 | Italgas S.p.A. IG.MI | Neutral | first rating | 64 | $10.18 | |
| 7 Nov 2026 | Italgas S.p.A. IG.MI | Valuation signalUndervalued | first signal | $14.29 | $10.18 | |
| 7 Nov 2026 | Italmobiliare S.p.A. ITM.MI | Neutral | first rating | 50 | $28.30 | |
| 7 Nov 2026 | Italmobiliare S.p.A. ITM.MI | Valuation signalFairly valued | first signal | $23.32 | $28.30 |
Legal basis: Article 4(1)(i) of Delegated Regulation (EU) 2016/958.
To the disclosures