Explanations:

The single most important ranking factor is the refund rate history. We use and show three numbers for this, each in per cent (%):

 The 6-month moving average.

 The refund rate for the last half month.

 The Composite Index, which is composed of 60% of the current refund rate plus 40% of the 6-month moving average. This is the one to watch.

The Composite Index is like a golf score; the lower, the better! -- And it tells you how well (or how poorly!) the player is doing!

Please note:
1. Beginning June 1, 2009 we will be updating these rankings bi-monthly, on the 5th day of each even-numbered month. (February, April, June, August, October, December)
2. To better understand the comparisons, please read the explanations of the different factors used, in the "Explanation of Classifying Factors" and the "Commentary", below the rankings chart.
3. See especially the discussion of the 6-month moving average refund category, and the Composite Index!