Article: MBIA hurt by competition, subprime issues

Question: I am very concerned about my shares of MBIA Inc. What are the prospects? -- V.R., via the Internet

Answer: The world's largest bond insurer has taken charges on billions of dollars of exposure to bonds tied to subprime mortgages and derivatives.

It also faces new competition for bond insurance from Berkshire Hathaway Assurance, which has a stronger balance sheet.

It suffered a blow when Moody's Investors Service dropped MBIA's longtime AAA rating by five notches. Moody's also gave it a negative outlook based on limited financial flexibility and weakened businesses. Standard & Poor's Corp. and Fitch Ratings had reduced their ratings for MBIA by two notches.

MBIA insurance provides ...

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