In Sunday's Sun, Jane Bryant Quinn's column gave an incorrect safety rating for MBNA in Wilmington, Del. According to Veribanc rating service, MBNA holds the highest safety rating. The column also used "average annual yields," a non-standard method, for determining the amount of interest earned on long-term certificates of deposit. Investors will earn the full amount stated in the column. But that may differ from rates quoted by banks and thrifts, because they generally quote annual percentage rates for CDs.