Isabelline (colour) form of leucism caused by a uniform reduction in the production and expression of melanin resulting in areas of plumage on the back of the bird, normally black, being strongly faded, or isabelline, in appearance. Isabellinism has been reported in several species of penguin. Isabelline and isabella are terms applied in Europe to very pale palomino or cremello horses, animals with a coat colour that is variously described as cream, pale gold or almost white; this is the primary usage of the French ("isabelle") and German ("Isabella") versions of the word. In horses, this colour is created by the action
Expert RA Expert RA Expert RA is Russia’s oldest credit rating agency and also the largest one in terms of both customers and headcount. Expert RA has been assigning credit ratings for 20 years already. Expert RA is on the list of authorized rating institutions, meaning that its credit ratings are applicable for regulatory purposes to banks, insurers, pension funds, and debt issuers. 1995 - First ratings assigned on the Expert magazine platform 1997 - A rating agency (Expert RA) established 1998 - Expert RA creates its Analytics & Communications Business line 2001 - Expert RA’s ratings integrated in the business environment.