class CreditRating implements ImmutableBean, Serializable {

  public static CreditRating of(final String rating, final String agencyName, final boolean isLongTerm) {
    return new CreditRating(rating, null, agencyName, isLongTerm);
  }

  @ImmutableConstructor private  CreditRating(final String rating, final String ratingDescription, final String agencyName,
      final boolean isLongTerm);

}