Deep Dive: 20 stocks that investors hate but Wall Street loves as the S&P 500 nears a record high

This has been an adventurous year for stocks, with almost a full rebound for the S&P 500 Index from the pandemic lows of late March. But the rally has not been as broad as you might think.

Below is a list of 20 stocks that are still down at least 20% for 2020, but also have majority “buy” or equivalent ratings among sell-side analysts.

The FAANG-led recovery

Ben Carlson said a lot with a tweet Wednesday morning:

This turnaround has been fueled by the tremendous increase in the money supply resulting from the timely action of the Federal Reserve and the federal government. Very low interest rates play their part. The yield on 10-year U.S. Treasury notes TMUBMUSD10Y, 0.546% is 0.55%, while the dividend yield for the entire S&P 500 Index SPX, +0.50% is 1.70%, according to FactSet.

The S&P 500 was up 3.5% (with dividends reinvested) for 2020 through Aug. 4.

But the S&P 500 is weighted by market capitalization and therefore dominated by the FAANG stocks, to which we add Microsoft Corp. MSFT, -0.38% :

Together, the FAANG group plus Microsoft make up 25% of the S&P 500. Their outperformance this year has had a great effect on the entire index’s return.

Loved by Wall Street

Among the S&P 500, 292 stocks that were down for 2020 (with dividends reinvested) through Aug. 4. That may be a big surprise and it underscores the influence of the big tech names listed above.

Among those 292 stocks, 149 were down at least 20%.

Here are the 20 stocks among the S&P 500 down at least 20% this year that have the highest percentage “buy” or equivalent ratings among sell-side analysts polled by FactSet. The table is sorted by the percentage of “buy” ratings. (Scroll to the right to see all the data.):

CompanyTickerIndustryTotal return – 2020 through Aug. 4Share ‘buy’ ratingsClosing price – Aug. 4Cons. price targetImplied 12-month upside potential
Phillips 66PSX, -0.04%Oil Refining/Marketing-43%95%$61.85$82.1133%
Pioneer Natural Resources Co.PXD, +3.80%Oil & Gas Production-33%92%$99.52$121.4622%
Diamondback Energy Inc.FANG, +2.77%Oil & Gas Production-55%91%$41.07$58.0041%
AES Corp.AES, -0.97%Electric Utilities-20%90%$15.47$17.7515%
ConocoPhillipsCOP, +2.12%Oil & Gas Production-41%89%$37.64$50.0833%
Valero Energy Corp.VLO, -0.60%Oil Refining/Marketing-41%86%$53.02$71.7935%
Concho Resources Inc.CXO, +4.50%Oil & Gas Production-41%86%$51.47$72.6641%
Citigroup Inc.C, +2.10%Financial Conglomerates-35%85%$50.14$69.3838%
Las Vegas Sands Corp.LVS, -0.66%Casinos/Gaming-35%84%$43.73$58.4734%
General Motors Co.GM, +0.75%Motor Vehicles-29%84%$25.80$38.4449%
Baker Hughes Co. Class ABKR, +3.67%Oilfield Services/Equipment-36%83%$16.19$20.5627%
Hartford Financial Services Group Inc.HIG, +3.75%Multi-Line Insurance-32%78%$40.57$51.5627%
Citizens Financial Group Inc.CFG, +1.63%Regional Banks-38%76%$24.21$29.2821%
TechnipFMC PLCFTI, +3.81%Oilfield Services/Equipment-61%75%$8.26$11.3437%
Marathon Petroleum Corp.MPC, -2.91%Oil Refining/Marketing-36%75%$37.69$47.7927%
Ross Stores Inc.ROST, +0.40%Apparel/Footwear Retail-24%74%$88.38$104.8319%
Capital One Financial Corp.COF, +1.04%Major Banks-38%74%$63.24$80.0827%
Synchrony FinancialSYF, +1.96%Finance/Rental/Leasing-35%74%$22.65$28.3625%
Raytheon Technologies Corp.RTX, +2.40%Aerospace & Defense-34%74%$57.51$77.5635%
Wynn Resorts Ltd.WYNN, -1.07%Casinos/Gaming-47%72%$72.75$97.5634%
 Source: FactSet

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Where Should I Retire?: I want to retire in Texas and near freshwater on $4,000 a month — where should I go?

Dear MarketWatch,

I want to retire to Texas. I will be moving from Maine within the next five years and would like a location that has freshwater and some national or state parks. I estimate my monthly retirement income in the range of $3,750 to $4,200. I will be buying a house and selling the one in Maine. Some of the equity will be used for college.

I would like a good hospital and airport within a one-hour drive. Live entertainment would be a plus!

What have you got for me?

Much appreciated!


Dear Rachel,

Join the line of people heading to the Lone Star State — about 1,500 every day in 2018. There are many reasons for the state’s popularity, and you know your reasons best. Just a word of caution: Maine to Texas is quite a temperature switch, so consider investigating your possibilities during the summer. Texas is hot, hot, hot that time of year, and you don’t want to discover you hate the weather after you’ve paid for a move.

But assuming you’re good with 100-degree days, you can certainly find places that offer what you are looking for, all with different personalities. As always, some places that sound great on paper may not look as appealing in real life. I can’t stress enough the importance of treating your exploration time as if you were living there, not just visiting on vacation.

Taxes can be a big focus for retirees, and Texas appeals to many because it doesn’t have a state income tax. (Maine, by the way, won’t tax your Social Security check.) While the overall tax burden is low, sales tax and property taxes are on the higher side.

You say you want to use some of the money from selling your Maine house for college. Depending on the school you pick, you may qualify for reduced or even free tuition as a senior citizen, freeing up some of your budget.

Speaking of budget, be honest about what you’ll be spending more on, not just how you’ll be cutting some costs by leaving Maine. The last thing any of us want in retirement is to be unnecessarily squeezed.

Read:There is more to picking a place to retire than low taxes — avoid these 5 expensive mistakes

Also:Health care will cost this much in retirement — but probably even more

Ready to look? Here are three options that give you a lake nearby:

New Braunfels’ Gruene Hall is the oldest dance hall in Texas.

Jim Flynn/Courtesy New Braunfels CVB
Texas Hill Country

This is the area between Austin and San Antonio and includes plenty of state parks. If the sale of your home in Maine means you’ve got the money to afford a lake house, why not consider Canyon Lake in what’s dubbed the Hill Country Coast? More than 20% of the 21,000 residents there are 65 and older. The drawback is you’ll have a longer drive to college classes, airports and hospitals.

If it’s city living you want, look at New Braunfels, 30 minutes away on the Comal and Guadaloupe rivers, home to 90,000 people and with easy interstate access to both Austin and San Antonio. (The name is a hint that the town was founded by German immigrants.)

Live entertainment? Among other choices, you’d have Gruene Hall, Texas’s oldest dance hall and a spot for live music every day. And in how many other places can you still find a drive-in movie theater?

You can take your college classes at Texas State University in San Marcos, 20 minutes from New Braunfels. Texas State has 38,000 students and will let you earn up to six credits per semester for free if you are at least 65 years old. (You can audit classes at no cost too, without a limit on credit hours.)

Other options are the University of Texas at San Antonio, less than an hour from either New Braunfels or Canyon Lake, and the University of Texas at Austin, less than an hour from New Braunfels. These two big schools also offerauditing options.

While New Braunfels has a hospital, you could also go to San Antonio or Austin for care.

To get a sense of the housing your money can buy, here’s what’s on the market now in Canyon Lake and New Braunfels, using listings from (which, like MarketWatch, is owned by News Corp.).


This fast-growing city of nearly 90,000 is 40 miles north of Houston and abuts Lake Conroe, a 33-square-mile lake, and is close to Sam Houston National Forest. With Lone Star College nearby, you can claim that same fee waiver for six credit hours per semester. Texas A&M University is 65 miles away in College Station.

Locals say Conroe still has a small-town feel, but its status as the seat of Montgomery County means it also has a bustling, historic downtown. You’ll find antique stores and craft brewers there too. And while you can live in a neighborhood, you could also opt to find a home with more land.

Here’s what’s on the market now.

For entertainment, you don’t need to go all the way to Houston. If the historic Crighton Theatre doesn’t have what you’re looking for, you can head to The Woodlands, a planned community in the southern end of the county with an amphitheater that draws big names. While this community of 100,000-plus has an upscale reputation (and upscale shopping in its downtown), there are some homes at lower price points. It’s also more densely populated than Conroe, if that’s more your style.

You play an instrument? Check out the local symphony orchestra, a mix of professionals and amateurs. If you like to golf, you’ll have plenty of choices. The Chamber of Commerce counts more than 20 public and private courses in the county. But Conroe isn’t a retiree haven, although it does attract plenty of snowbirds. About 13% of the city and county population is 65 and older, less than the U.S. average.

Obviously there are plenty of amenities in Houston, including an international airport and big-name hospitals. And if Conroe or The Woodlands isn’t for you, you’re likely to find something in the wider Houston metro area.

A mural outside Andy’s Bar, one of dozens of murals painted on buildings in Denton, Texas.

Victoria DeCuir/ Courtesy Denton Public Library

You have plenty of options in the Dallas-Fort Worth area as well. But look at rapidly growing Denton. The appeal of this city and its 140,000 residents includes the University of North Texas (39,000 students) and Texas Woman’s University (coed and another 13,000 students), both with the ability to take classes for free at age 65, as well as a lively downtown and music scene (the free Denton Arts and Jazz Festival attracts hundreds of thousands every year). And yes, living here offers access to top-quality hospitals.

Some like to make comparisons to Austin of a few decades back, with one DFW resident saying downtown Denton has a “hippie dippy college town vibe.” Outside of downtown, however, the feeling is much more suburban.

Denton also stands out among neighboring cities that were just farms a few decades back and are now planned communities, given that it has some older housing stock. You still find Texas horse country and small towns to the north and west. However, empty land is rapidly filling up, and it’s only a matter of time until the DFW megapolis fills the I-35 corridor up to the Oklahoma state line.

As for fresh water, you’d be close to Ray Roberts Lake State Park and a nearly 46-square-mile lake.

A walking and biking trail, the 19-mile A-train Rail Trail connects Denton to similarly sized Lake Lewisville. The trail in part parallels the A-train that connects to Dallas County’s rail network, getting you to downtown Dallas and beyond. If you’re driving, it’s about 30 miles to Dallas/Fort Worth International Airport and 36 miles to Dallas Love Field.

To get a sense of the housing market, here’s what’s on the market now.

Now read:I’m 52, won’t live past 80 and have $1.6 million. ‘I am tired of both the rat race and workplace politics.’ Should I retire?

Outside the Box: How to be an effective leader during a crisis

These are unprecedented times as the global pandemic continues to expand. Businesses are implementing contingency plans to protect their team members and clients, and still do their best to keep their companies running. Business leaders are working hard to continue to do business as usual when business is “not” usual.

As a leader you may still be working with your people in person because you are in an essential industry or you may, like many, be working remotely from your home. As founder and CEO of a facility services company, our team members are on the front line of defense against COVID-19 and working tirelessly to keep facilities disinfected and safe to help prevent the spread of the virus. At the same time all of our offices across the Northwest have been shut down and we have been forced to work and communicate remotely. I am grateful for the technology that allows us to interact virtually and for all of the companies that are supporting each other to keep moving forward.

In turbulent times we need courageous leaders.

Being an entrepreneur for over 25 years, I have been though my share of business ups and downs and leading my company and teams through them. Each one has posed different challenges however one thing is always the same. Uncertainty always creates fear, and fear leads quickly to panic. In one challenging time, we had one of our largest customers go bankrupt. As it was a large source of business it quickly stopped work, and the regular cash flow we enjoyed dried up quickly. It was a scary time to be a business owner. Admittedly, I found myself in a state of panic — it was difficult to look to the future when I was wondering how to make next week’s payroll. This is a dangerous mind-set, especially for those in leadership roles.

Immense challenges will happen from time to time that threaten to paralyze you. When this happens, the leader’s role is to be courageous. Showing strength and courageous leadership in a time of uncertainty will be the best support you can provide to your team members, your family, and your business community.

A courageous leader is a shelter in the storm.

You need to have the courage to make bold decisions, often despite your fears, to be the eye in the storm for your teams and businesses. Being a strong leader doesn’t mean you won’t be afraid, in fact, fear is a normal emotion that comes with growth and change. The difference is a strong leader will step up and into the challenges that come their way and equip their team members to do the same.

Your vital role as a leader

As a business leader, you are in a unique role that can set the tone for your company. Your attitude, emotion expression to others, and how you choose to lead will decide the atmosphere at your company during these pressing times.

Here are three steps you can take right now to lead your company forward:

1. Show you care. As a leader one of the most important things you can do is to show care and empathy during difficult times. Your team members may be scared for their health today and worried about their jobs. They may have friends or family members that have been furloughed or laid off, and be concerned their job is next. Showing kindness and understanding will give your team members a feeling of relief and help take their mind off fears that may inhibiting their work performance.

2. Communicate more. In times of uncertainty it is critical to communicate more often. Let your team know where the business stands and communicate expectations. When you keep your team members in the loop of happenings in the business it will show them how valued they are. Consider a daily huddle with your leadership team to keep everyone informed and up-to-date. Create a way for team members throughout your company to connect remotely to address ideas and concerns.

3. Lead from the front. There are times in business where it is appropriate to lead from the side or behind. When facing economic crisis, it is time to step up and lead from the front. Lead with courage. Be transparent and open. Be willing to address the tough questions, and work with your team to adapt and shift to meet the changing needs. When you show up with confidence and courage, this type of strong leadership can move a good team to a great one.

In your business or your life right now, where do you need to roll up your sleeves and dive into the muck? You have an opportunity somewhere to be courageous. Leadership like this will be contagious. Not only will you see significant progress in your organization when you show courage, others will be inspired to do the same.

The number of Americans skipping mortgage payments is falling — except among these borrowers

For nearly two months now, the share of mortgage borrowers who has received approval to skip their monthly loan payments has fallen precipitously.

But a new trend has begun to develop, which indicates that some homeowners are facing more financial pressure as the coronavirus pandemic continues.

The percentage of Ginnie Mae loans in forbearance increased one basis point to 10.28%, according to the most recent data released Monday by the Mortgage Bankers Association.

It was the second straight week in which the share of Ginnie Mae loans in forbearance increased by this month — prior to that the percentage had decreased for multiple weeks.

Forbearance plans allow mortgage borrowers to make reduced payments or skip monthly payments. Under the CARES Act, any borrower with a federally-backed mortgage was allowed to request forbearance from their loan servicer.

That included Ginnie Mae loans. Ginnie Mae functions similarly to Fannie Mae FNMA, +2.56% and Freddie Mac FMCC, +3.60%, and securitizes loans made through government programs including Federal Housing Administration (FHA) loans, Department of Veterans Affairs (VA) loans and U.S. Department of Agriculture (USDA) loans.

“The Ginnie Mae segment tends to have more lower-income families and communities of color than the conventional market,” said Ed Demarco, president of the Housing Policy Council, a trade organization. “And these groups have been disproportionately harmed financially by the pandemic and its related shutdowns.”

Government programs typically have less stringent requirements for prospective borrowers than Fannie and Freddie do, including lower credit scores and higher loan-to-value ratios. As a result, these loan programs are especially popular with first-time home buyers.

‘The Ginnie Mae segment tends to have more lower-income families and communities of color than the conventional market.’

— Ed Demarco, president of the Housing Policy Council

The rise of the forbearance rate in this segment therefore suggests that people who were first-time home buyers are more sensitive to the fluctuations in the economy right now.

“The job market has cooled somewhat over the past few weeks, with layoffs increasing and other indications that the economic rebound may be losing some steam because of the rising COVID-19 cases throughout the country,” Mike Fratantoni, chief economist at the Mortgage Bankers Association, wrote in the report. “It is therefore not surprising to see this situation first impact the Ginnie Mae segment of the market.”

Additionally, the $600 expanded unemployment insurance benefits ended last week, and lawmakers have yet to approve a replacement. As a result, those who were laid off because of the pandemic will likely face even more financial pressure in the coming weeks.

How much of that pressure will be exerted on homeowners isn’t clear though. “The job loss so far has been disproportionately skewed to renters rather than homeowners — it’s hard to extrapolate how many homeowners have been helped by the expanded unemployment benefits,” said Rick Sharga, executive vice president at RealtyTrac, a foreclosure listings and search portal.

Additionally, many homeowners requested forbearance but continued to make their monthly payments as usual. These people likely viewed forbearance as a safety net if they lost their jobs and the bottom fell out.

The number of Americans doing this, though, could soon drop because of the expiration of the expanded unemployment, said Karan Kaul, senior research associate at the Urban Institute’s Housing Finance Policy Center. That would be a negative development for the mortgage industry that wouldn’t be reflected as an uptick in the forbearance rate, since those Americans are already counted as being in forbearance.

‘If you’re a borrower and can’t make a payment at the end of forbearance, you have the option of just selling your home and buying a less expensive home or renting.’

— Karan Kaul, senior research associate at the Urban Institute’s Housing Finance Policy Center

Whether continued weakness in the economy will result in many of these mortgage borrowers going into default or foreclosure once their forbearance period ends remains to be seen. The CARES Act stipulated that Americans could receive forbearance for up to one year.

As a result, the U.S. won’t likely see the number of people in default or foreclosure increase notably until at least the third or fourth quarter of next year, Kaul said. But there’s ample reason to believe that the coronavirus pandemic won’t lead to a repeat of the foreclosure crisis that triggered to the Great Recession.

Homeowners will have a wide array of options to modify their home loans if forbearance ends and they’re still in financial trouble — many of these options didn’t exist prior to the foreclosure crisis.

Plus, homeowners today have more equity built into their homes, unlike in 2008 when many people owed more than their home was worth due to falling property prices and the ability to take out piggyback loans.

“If you’re a borrower and can’t make a payment at the end of forbearance, you have the option of just selling your home and buying a less expensive home or renting,” Kaul said.

Help Me Retire: My parents are in their 50s and 60s and unprepared for retirement — how can I help them help themselves?

Dear MarketWatch,

I have a question about planning retirement for both me and my husband, as well as our parents. His parents are a bit more prepared for their retirement, but my parents aren’t as prepared. They have 401(k) plans but it doesn’t seem like the amount within those 401(k)s is actually enough. How can kids prepare for their parents’ retirement, and should we be helping to set aside money not just for our own retirement but also for our parents? If our parents are already in their late 50’s to mid 60’s is there anything they can still do at that age to better prepare for retirement?


Concerned Daughter

See: I’m 63, a widow and lost my job because of COVID. I don’t have much in savings and feel lost. What can I do?

Dear Concerned Daughter,

Your parents and in-laws are so lucky to have someone who worries about their future financial security. The truth is, you’re right to be concerned. Without adequate planning and preparing, your loved ones could end up ill equipped for their old age, which would affect not only their lifestyle and comfort in the future, but potentially yours as well.

“In order for adult children to properly create their own financial path, it’s so important to understand whether financial support for their parents will be a part of that path,” said Jake Northrup, financial adviser and founder of the advisory firm Experience Your Wealth.

That they have 401(k) plans to begin with is great. To see if what they have is enough, or how much more they may need, you should have them figure out their current income, their total assets, their guaranteed sources of retirement income (like Social Security or a pension) and what they’re spending is like now (as well as what they anticipate their spending to be like in the future). This should include housing, groceries, utilities, health care costs, taxes, leisure and anything else important to them. They may need to downsize their housing or trim their expenses to help balance how much they’ve saved now with how much they’ll need in the future. And as they’re doing these calculations, they may learn whether they could maximize their current savings, or come up with a plan to earn more if possible. It’s like a financial health check-up, if you will.

Talking about retirement planning and future financial security or health can be difficult, especially with parents who may become uneasy or defensive (and they may — they want to take care of you, not have you worry about taking care of them). Still, it’s one of the most important conversations you can have to ensure they’re at least thinking of ways to live comfortably in their old age, and so that you can know where you fit into that equation as well. Because if you are part of their plan, you’ll need to budget for it.

You’re already doing something to help them — you’re talking about it before they actually transition to retirement. “In my experience both as a daughter and a planner, the best thing you can do is have the conversations early before it’s too late,” said Laurie Allen, founder of LA Wealth Management. Her father was reluctant to share information about his finances with her, and when she finally did gain access, it was “utter chaos,” she said. She and her four siblings now help their father and his wife with housing, food and car payments. “In our household, it ended up being a line item we had to budget in as we planned for our own future,” she said.

The good news: Your parents, especially those still in their mid-50s, are still young and have time before they reach a traditional retirement age. The conversations you have now could really help all of them.

Broaching the topic may be the hardest part, but there are ways around that. You can start the conversation talking about yourself and how you and your husband are figuring out your finances and thinking about your own old age, and then use that to transition to talking about them, their retirement plans and their estate documents, said Howard Pressman, partner at EBW Financial Planning. “Unfortunately, I have seen people having to work through significant problems and the anxiety and stress that comes with it, because simple documents were not in place,” Pressman said. “Often, this non-threatening conversation leads to larger conversations that can be very helpful for families.”

You may even want to bring an actual financial planner into the discussion, if that’s an affordable or available option to you. “The conversation will likely be awkward, but a financial planner can act as a ‘scapegoat’ or ‘excuse’ for having the conversation,” Northrup said.

If you’re talking to your parents one-on-one, there are a few questions you can ask, including: Do you have a budget? How do you manage your investments? What are your plans for health insurance until Medicare kicks in? Do you expect us to help you in retirement in any way, such as financially or physically? Do you plan to live with us? Do you have any concerns about your retirement, and what are they?

“These probing questions will uncover planning gaps allowing children to step in and assist if desired,” said Charles Adi, founder of the advisory firm Blueprint 360. “Assistance can look like monthly cash payments, investment management help or the purchase of the needed insurance coverage.”

When they claim Social Security will also help. Individuals can begin claiming at 62, but their benefits would be reduced until their Full Retirement Age (they can check what their FRA is here). If they plan to work well into their 60s, they may be able to delay when they claim their benefits — the longer they wait, the more they get. If they hold off on claiming until after their FRA, they’ll get even more money than they’re owed. Social Security was not meant to be the only source of retirement income for Americans, but it will certainly help offset any savings deficiencies.

There are a few other considerations they can make. Long-term care insurance is a viable option, especially if they don’t have many health concerns right now. The younger and healthier the individual, the lower the premium (it’ll get expensive the closer they get to “old age”). Long-term care covers a person’s health expenses when they are no longer able to care for themselves, such as bathing, feeding or moving around the house. It is also used to pay for nursing homes or assisted living facilities, which could cost thousands of dollars a month.

Don’t miss: Health care will cost this much in retirement — but probably even more

“A medical event that requires long-term care can decimate household finances by tens of thousands, or even hundreds of thousands of dollars per year,” said Karen E. Van Voorhis, director of financial planning at Daniel J. Galli & Associates. In some scenarios, adult children have paid the premium for their parents to ensure their finances aren’t “demolished” by the health care expenses, though of course it would be ideal if your parents could pay for it themselves. Even if paying for this type of coverage is not possible, having a plan in place for what to do in the event of a medical emergency or illness in the future would help. “Whether it is using an insurance company to help with the risk or if they choose to self-insure, plans should be made well in advance,” said Michael Resnick, senior wealth management adviser at GCG Financial. Think about the type of care they may need, who the caregiver would be (professional or familial), how it would be paid for and other living arrangements.

They should also have a few crucial documents in order, including a power of attorney, a will and a health proxy, which will spell out their wishes for their health care should they become incapacitated as well as where their belongings go. There are websites and apps to help people store their necessary documents and requests. This can be done even during the current pandemic, which may be the best time to update their last wishes and get paperwork in order. The paperwork should also include a list of digital assets, such as passwords to online accounts, Resnick said.

If you have siblings or any other family members who can help, this is a good time for you all to discuss your own plans about your older loved ones’ well-being. Unfortunately, one of the major arguments siblings have involves how to care for mom and dad physically and financially. It may not be a pleasant few hours (or days), but getting the gears turning now is better than waiting until an emergency or unfortunate event occurs.

Also see: How to talk to your family about your estate plan

Throughout all of this, don’t forget to take care of yourself and your family’s plans for your own retirement. Even if retirement isn’t for a few more decades, try to stash away as much money in a retirement plan as possible. You should also have an emergency fund for unexpected scenarios. After talking to your parents about their realistic retirement plans, you may decide to open another account earmarked for them, which could give you some comfort in the event they have an emergency situation one day.

It comes down to communication. You want your parents to be comfortable and secure in their old age, but you need to balance that with your own soundness. Having these conversations may not be easy, and they may take weeks if not months of back-and-forth, but they’ll be worth every second later in life. “If you have a parent that has always done everything on their own, they may be stubborn to accept help at first,” said Mackenzie Richards, a financial planner at SK Wealth Management. “However, it’s very likely that they are concerned with their own financial picture and could use assistance.”

Have a question about your own retirement savings? Email us at