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who practices medicine usually in a hospital or clinic under the direct or indirect supervision of an attending physician.Successful completion of a residency program is a requirement to obtaining an unrestricted license to practice medicine in many jurisdictions.A medical license is needed, by law, in order to practice medicine. S., all physicians must complete a four-year undergraduate degree, either a Bachelor of Science (BS) or a Bachelor of Arts (BA).Their undergraduate education is typically geared toward the sciences (biology, chemistry, physiology) and may be considered a 'pre-med' program.Physicians may also be required to complete a certain amount of continuing medical education (CME) credits per year to maintain their medical license, hospital privileges, and professional organization memberships.For those physicians who have board certification, recertification is also part of CME.At this time, a physician may also choose to continue their training for a subspecialty, such as gastroenterology or rheumatology, which will begin during more training, which is called a fellowship.Board certification (a medical "stamp of approval") may be granted after the completion of a residency, but it is not required.

Before they complete their education, most physicians apply for their medical license.Now, the next time a doctor introduces himself or herself as a resident or fellow, you'll have a better idea of how much training he or she has had.Patients have the right to ask medical professionals about their qualifications.After obtaining a four-year degree, students continue on to medical school and start another two years of classes followed by two years of rotations, which is working with patients.When they graduate, students receive a degree of either medical doctor (MD) or doctor of osteopathic medicine (DO).

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    Modeling downgrade risk rather than default risk addresses the issue of low default counts for high quality ratings. Stress testing as a tool for assessing systematic risks, Financial Stability Review, 2005:6,pp.116-126 [6] Demey, P., Jouanin, J., Roget, C, and Roncalli, T.(2004). Estimating default correlations from short panels of credit rating performance data.

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