Smokey, you are one of the worst promoters in the field.  Using Morningstar!  Garbage go back to pumping Therma 
The garbage is your words coming out of your mouth financialfuture .

In simple terms, the Morningstar ratings system is a tool investors can use to compare mutual funds and ETFs. And if you're wondering whether Morningstar ratings are legitimate, the answer is yes. Even FINRA, the Financial Industry Regulatory Authority, using Morningstar ratings in its Market Data Center .Sept 28, 2021