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Moody's Investors Service has downgraded its ratings on five Lloyd's of London syndicates. The London-based ratings agency said the downgrades were prompted in part by concerns about the adequacy of resources in the Lloyd's Central Fund. The five downgraded syndicates are: SVB Syndicates Ltd. 1007, to A1 from Aa3; SVB Syndicates Ltd. 1212, to A2 from A1; Amlin Underwriting Ltd. 2001, to A2 from A1; ACE Underwriting Agencies Ltd. 2488, to Aa3 from Aa2; and Wellington Underwriting Agencies Ltd. 2020, to A1 from Aa3. All of those ratings are under review for possible further downgrades, Moody's said....ACE INA Holdings Inc., a unit of ACE Ltd., has bought YouDecide.com Inc. from ProAct Technologies Corp. for an undisclosed amount. YouDecide.com is a online service that employers can use to offer voluntary benefits programs.