Iso public protection class Equipment. ISO collects data for more than 47,000 communities and fire districts throughout the country. Emergency communications Items considered for Grading in Protection Class 1 to Protection Class 8. Main Phone (307) 234-8481 Operations (307) 234-8481 ext. For each fire protection area, ISO assigns a Public Protection What is an ISO code in the home protection class? An ISO code is the number assigned to your home based on its fire protection assessment. If the classification is a single class, the classification applies to properties with a Needed Fire The second number is the class that applies to properties within 5 road miles of a fire station but beyond 1,000 feet of a creditable water supply. This would be for properties more than 5 miles from the nearest responding station but less than 7 miles from that station with a creditable water source. Tri-City Fire District was last reviewed by ISO in 2019 and received a Public Protection Classification of 5. When we develop a single Public Protection Classification (PPC ®) for a community, all community properties receive that classification. Information and frequently asked questions concerning Municipal and Legal Fire District surveys. If you want to earn a Class 8 rating, at least as a baseline, then the ISO recommends that your engine have a water tank and a pump that can provide 750 GPM of water (or better) at 150 pounds per 6 days ago · Once the score is calculated, the ISO assigns a Public Protection Classification (PPC) rating to the community. ISO protection assessments are divided into 11 classes that carry different associated meanings and conclusions. F. The course will teach the calculations necessary to be able to predict PPC based on many factors. In 2012, 30 percent of FPDs were class 6 or below; today that number is 50 percent. This course is intended for individuals to that would like to learn how to lower the Public Protections Classifications (PPC) score for their community. ISO helps the communities evaluate their public fire Public Protection Classification New classifications Through ongoing research and loss experience analysis, we . standards developed by the National Fire Protection Association and the American Water Works Association. and assigns a Public Protection Classification — a number from 1 to 10. There are very few communities of Princeton's size who meet the protection class 4 requirements. PPC is used in several ways: Helps protection efforts in communities throughout the United States. Public Protection Classification (PPC) is the countrywide classification system used by the Insurance Services Office, also known as ISO Mitigation, to grade a ISO's Public Protection Classification (PPC™ ) program measures and evaluates the effectiveness of fire-mitigation services in communities throughout the country. The analysis began in November of 2014. An ISO – Public Protection Classifications. Using the FSRS, ISO objectively reviews the fire suppression capabilities of a community and assigns a Public Protection Classification - a number from 1 to 10. To compensate for limited water supplies, many communities have improved their firefighting equipment, training, and management techniques, as well as their fire alarm systems. This is to inform your Honorable Board that the Consolidated Fire Protection District of Los Angeles County (District), in collaboration with the Insurance Services Office, Inc. However, in many communities, we develop split classifications, which we revised in 2013 to reflect the risk of loss more precisely. Currently, there are five cities in Oklahoma and and assigns a Public Protection Classification – a number from 1 to 10. Class 1 represents exemplary fire protection, and Class 10 indicates that the area’s fire-suppression program does not meet ISO’s minimum criteria. The City of Belton Fire Department is one of thirty two in the state of Missouri that have an ISO Class 2 rating. insurance companies — including the largest ones — use PPC information in We have created a new water class based on our ongoing research and loss experience analysis within our Public Protection Classification (PPC ®) program. The Public Protection Classification (PPC™) program provides important, up-to-date information about municipal fire protection services in each community surveyed. (ISO), has completed an extensive Public Protection Classification (PPC) analysis of the District's structural fire suppression delivery system. However, in developing a community’s PPC protection in otherwise Class 9 areas. A The ISO’s Public Protection Classification (PPC) program enables data and information about the quality of public fire protection within a community to be gathered and evaluated. The ISO Public Protection Classification (PPC©) program evaluates the structure fire suppression capabilities of communities across the United States, focusing on four key areas: Needed Fire ISO’s PPC program accurately measures the quality of public fire protection in 45,000 fire districts across the country. The indicated Protection Class contemplates certain distances from the responding fire station and the hydrant. In 2017, we participated in more than ISO generally assigns Class 10 to properties beyond 5 road miles. ISO Public Protection Classification distributions in 2017. The Fire District recently received the findings and new PPC from the ISO. A PPC of 1 represents a superior level of property fire protection. The pump needs a rated capacity of 250 gpm or more at 150 psi and at least a 200-gallon water tank. In the category of casualty and property, they offer car and home insurance. based on various factors, such as emergency communications, fire department, water supply, and fire prevention. Class 1 generally represents superior property fire protection, and Class 10 indicates that the area's fire-suppression program doesn't meet ISO's minimum criteria. Public water-supply system; Princeton's Public Protection Class Rating - 4. ISO conducts a field survey to observe and evaluate features of the fire protection systems. ISO employees visit thousands of fire districts each year in effort to review the firefighting capability and adequacy of water systems in those communities. To help establish appropriate fire insurance premiums for residential and commercial properties, insurance companies need reliable, up-to-date information about a community's fire-protection services. 7/Spring Fire Department’s ISO grade is a Public Protection Classification in After more than a half-century at the top of ISO's roster, the LAFD chose not to seek formal and costly re-evaluation. November of 2013. Class 1 generally represents superior property fire protection, and Class 10 indicates that the area’s fire-suppression program doesn’t meet ISO’s minimum criteria. A community’s investment in fire mitigation is a proven and reliable predicator of future fire losses. ISO's expert staff collects information about the quality of public fire protection Dec 1, 2021 · ISO Public Protection Class Rating Information ISO Update 2021. It suggests that the department has met or exceeded the ISO's rigorous standards in fire response times, training, equipment, water supply, communication, and overall organization. Most Illinois communities earning this level of protection or better are Chicago suburbs or have a larger population such as Peoria or Normal. We have revised the classification to reflect more precisely the risk of loss in a community, replacing Class 9 and 8B in the second part of a split classification with revised designations. The fire chief used the ISO as a planning tool. Class 1 represent exemplary fire protection, and Class 10 indicates that the Residents cannot obtain information from the ISO Company, so a subscriber insurance company must contact the ISO Company at 1-800-444-4554 (select option 2) to obtain the protection class rating. Find out how the new X and Y designations reflect the risk of loss and the potential for reduced insurance premiums. On July 1, 2013, the revised FSRS was released, adding a Learn how ISO assigns split classifications to properties based on their distance to fire stations and water supplies. This insurance protection class essentially grades the community’s level of fire protection services. In fact, most U. The Schedule then assigns a PPC score between 1 and 10 to the department, with Class 1 representing "superior property fire protection" and Class 10 indicating that an area doesn't meet the minimum criteria set by the ISO. The Insurance Services Office (ISO) provides that information through the Public ISO is the leading supplier of data and analytics for the property/casualty insurance industry, and ISO’s Public Protection Classification Program plays an important role in the underwriting process at insurance companies. Firefighter Training. To receive certain Public Protection Classification (PPC ®) ratings, a community must meet minimum criteria: minimum facilities and practices to get a PPC rating; minimum criteria for Class 9; minimum criteria for Class 8B; minimum criteria for Class 8 or better To receive a Public Protection Classification (PPC ®) of Class 9, a community must first have the minimum facilities and practices needed to get a PPC rating. The charts show a significant shift to the left, indicating strong improvements in graded community fire protection. Auxiliary Events. A community’s investment in fire mitigation is a proven and reliable predicator of future fire losses. That includes at least one piece of apparatus with a permanently mounted pump. In the US, Verisk and ISO are the main data sources for casualty and property insurance. A Public Protection Classification ISO recognizes the dynamic and comprehensive duties of a community's fire service, and understands the complex decisions a community must make in planning and delivering emergency services. A Class 1 rating signifies superior fire protection, while Class 10 indicates it does not meet minimum standards. insurance companies — including the largest ones — use PPC information in • Class 1 through (and including) Class 8 represents a fire suppression system that includes an FSRS creditable dispatch center, fire department, and water supply. In each of those communities, ISO analyzes the relevant data using a Fire Suppression Rating Schedule (FSRS). Home; Our Insurance Services. The analysis began in September of 2015. It has nothing to do with a "failure" of our agency. As such, the Los Angeles Fire Department has not appeared on ISO's recently released rosters of Fire Departments that have a ISO Class 1 Public Protection Classification. Class 1 generally represents superior fire protection, and Class 10 indicates the area's fire-suppression program doesn't meet ISO's minimium criteria. Public Protection Classification ISO concluded its review of the fire suppression features being provided for Rochester. How the PPC™ Program Works. Sep 23, 2017 · throughout the United States. Improving the ISO rating had long been the major focus of the administration. Class 1 is the best rating, and Class 10 is basically an indication of no fire protection. ISO collects information on municipal fire-protection efforts in communities throughout the United States. The program provides an objective, countrywide standard that helps fire departments in planning and budgeting ISO's Public Protection Classification (PPC™ ) program measures and evaluates the effectiveness of fire-mitigation services in communities throughout the country. ISO measures emergency communications, fire department capabilities, water supply systems, and community efforts to reduce fire risk. For each fire protection area, ISO assigns a Public Protection Classification code — a number from 1 to 10. • Enters a retrogression improvement plan with ISO to maintain or improve classification. ISO's expert staff collects information about the quality of public fire protection ISO’s Public Protection Classification (PPC™) program analyzes the quality of fire protection in thousands of communities around the nation. And the ISO’s Public Protection Classification (PPC) recognizes advances such as those through periodic revisions. Why is a good ISO rating important? The ISO Public Protection Classification program recognizes the efforts of communities to provide fire protection services for citizens and property owners. The ISO ratings range from 1 to 10, with Class 1 representing superior public protection and Class 10 indicating no recognized protection. Class 1 generally represents superior property fire protection, and Class 10 indicates that the area's fire-suppression program does not meet ISO’s minimum criteria. • They then assign a Public Protection Classification ranging from 1 to 10. Class 1 generally represents superior property fire protection, and Class 10 indicates that the area's fire suppression program doesn't meet ISO’s minimum criteria. An example of the split classification is 4/4X or 4/4Y. Class 1 generally represents superior property fire protection, and Class 10 indicates that the area’s fire suppression program does not meet ISO’s minimum criteria. In each of those communities, ISO analyzes the relevant data and assigns a Public Protection Classification – a number from 1 to 10. insurers of homes and business properties use PPC in calculating premiums. 2 days ago · ISO generally assigns Class 10 to properties beyond 5 road miles. Data provided by WSRB. For information about your own community’s public fire protection, a customized Public Protection Classification (PPC ®) report is available by mail. ISO is an independent organization that serves insurance companies, fire Customized reports. Personal Insurance; A higher Public Protection Classification (PPC) rating generally indicates better fire protection services, which can lead to lower insurance costs. • Class 1 through (and including) Class 8 represents a fire suppression system that includes an FSRS creditable dispatch center, fire department, and water supply. Community Risk Reduction (fire prevention, public fire safety education, and fire investigation) After evalution, a Public Protection Classification from 1 to 10 is assigned. S. To determine a community's Public Protection Classification (PPC ®), we conducts a field survey. This designation is not considered in current statistical grading. To determine a community's Public Protection Classification (PPC™), leaders, business owners, and residents. Class 1 represents exemplary fire protection, and Class 10 indicates that the Our Public Protection Classification (PPC ®) information plays an important part in the decisions insurers make affecting the underwriting and pricing of property insurance. Quantity Pricing Available upon request. Target Areas ISO’s Public Protection Classification (PPC™) program analyzes the quality of fire protection in thousands of communities around the nation. Sep 20, 2021 · The official name for this rating is the Public Protection Classification or PPC, but it’s informally called a fire score. Here’s an outline of the items considered in the FSRS and the weight of each item used in calculating a PPC rating. . ISO states the following about the PPC program: Through the Public Protection Classification (PPC) program, ISO evaluates municipal fire-protection efforts in communities throughout the United States. Laramie County Fire Authority improved our ISO provides that information through the Public Protection Classification PPC ® program. Marine 61. • In each of those communities, ISO analyzes the relevant data using their Fire Suppression Rating Schedule (FSRS). A client’s property is located in a community that has an ISO public protection class (PPC) rating of 3/9. Mr. Insurance companies use the PPC to help establish fair premiums and municipalities use it as a benchmark for measuring the The Fire Suppression Rating Schedule (FSRS) measures the major elements of a community’s fire protection system and develops a numerical grading called a Public Protection Classification (PPC ®). Your Department has worked hard to achieve the highest level Public Protection Classification rating. Class 1 represents an exemplary fire suppression program, and Class 10 indicates that the area's fire suppression program does not meet ISO's minimum criteria. Also has information on insurance credits available for class 10 Certified. (1) An ISO protection class rating has the power to affect not only the insurance premium of every construction project in the country, but also whether coverage is even eligible. In July 2015 The Fire District was notified by the Insurance Services Office (ISO) that the District was due for an ISO review and update to its current public protection class (PPC) rating. Through the Public Protection Classification (PPC™) program, ISO evaluates the quality of public fire protection in more than 47,500 fire protection areas across the United States and assigns a PPC grading from 1 to 10. Achieving a Class 1 rating for local fire protection efforts based on ISO’s Fire Suppression Rating Schedule (FSRS) Public Protection Classification (PPC ®) is a significant accomplishment. If the fire protection area has a combination of A, B, C, and D, Office (ISO) Public Protection Class (PPC) from a Six to a Four in 2005. Class 1 generally represents superior ISO Public Protection Classification •ISO’s PPC program is designed to measure the effectiveness of public fire protection for structures in 47,000 fire districts across the country •PPC considers the overall fire suppression service capability relative to the risk in the graded area •Better fire protection –as measured by the PPC In each of those communities, ISO analyzes the relevant data using our Fire Suppression Rating Schedule (FSRS). It is designed to represent a In each of those communities, ISO analyzes the relevant data using our Fire Suppression Rating Schedule (FSRS). Laramie County Fire Authority is proud to announce it has achieved an Insurance Service Organization, (ISO), Public Protection Classification class 4 rating after our latest ISO survey. Includes Application. How do I find a protection class by public land survey data (section-township-range) on WSRB. Courtesy/ISO. The Insurance Services Office (ISO) Public Protection Classification (PPC™) program affects every fire department in Tennessee. com? What do fire station staffing codes mean? Public Protection Classification ISO recognizes the dynamic and comprehensive duties of a community's fire service, and understands the complex decisions a community must make in planning and delivering emergency services. Insurances companies use the rating to help establish fair premiums for fire insurance, which generally results in offering lower premiums in communities with a better class protection rating. If the fire protection area does not have the facilities outlined in A, B, or C, apply Public Protection Class 10 to the fire protection area. Not all properties in the 5-to-7-mile area The Insurance Services Office assigns communities to a specific class within the Public Protection Classification system. The agent believes this PPC rating means that a property located within five miles of a fire department and 1,000 feet of a fire hydrant should be labeled Class 3, and that one located more than five miles away from a fire department should be labeled Class 9. WPFD continues to improve our services and has invested in equipment, training, and capabilities to serve our communities better. Virtually all U. Personal Auto Public Protection Classification (PPC If you have an emergency please dial 911. Learn how the PPC program ISO supplies Public Protection Classifications to insurance companies and agents. The data is then analyzed using a proprietary Fire Suppression Rating Schedule (FSRS). Participating customers can access the classifications through ISOnet. *ISO analyzes the relevant data and assigns a Public Protection Classification (PPC); A number from 1 to 10. In each of those communities, ISO analyzes the relevant data using our Fire Suppression Rating Schedule (FSRS). Auxiliary Meeting Agendas and Minutes. Andrews talks about the factors that led to ISO Public Protection Classification (PPC™) Program. Auxiliary of the Fire Department. By classifying communities' ability to suppress fires, ISO helps the communities evaluate their public fire West Pulaski Fire Department is pleased to announce that our ISO Public Protection Rating changed to ISO PPC Class 4 for all property owners living 5 road miles from a WPFD fire station, effective February 1, 2019. Using our manual called the Fire Suppression Rating Schedule (FSRS), we objectively evaluates four major areas: Emergency communications systems The Public Protection Classification (PPC) program is a tool developed by the Insurance Services Office (ISO) for property and casualty insurers to properly assess their risk by rating fire protection services throughout the United States. The classification numbers are interpreted as follows: • Class 1 through (and including) Class 8 represents a fire suppression system that includes an FSRS creditable dispatch center, fire department, and water supply. Notice: Your insurance company pays ISO to provide your ISO Public Protection Classification Number (1-10) to them. Information for achieving Class 10 Certified. In each of those protection areas, ISO analyzes the relevant data and assigns a Public Protection Classification – a grading from 1 to 10. • Class 8B is a special classification that recognizes a superior level of fire protection in otherwise Class 9 areas. Since the ISO fire ratings are used by property insurance companies to set insurance premium rates, the lower the Public Protection Classification oversight The Texas State Fire Marshal’s Office: • Oversees public protection classification (PPC) surveys statewide. ISO schedules free classes based on requests received from government officials. Public Protection Classification (PPC ®) dashboard for scores specific to your community’s fire and water departments, emergency communications center, and Community Risk Jan 3, 2025 · They then assign a Public Protection Classification from 1 to 10. Class 8B is a Public Protection Classification (PPC ®) for communities that provide superior fire protection services and fire alarm facilities but lack the water supply required for a PPC of Class 8 or better. Class 2 ISO rating. Display your accomplishment on your dress uniform with a high quality commendation bar designed especially for ISO Class 1, Class 2 and Class 3 Departments. 2020 we received the letter below that stated Harris County ESD No. The Insurance Services Office (ISO) Public Protection Classification (PPC) plays an essential role in the underwriting process for homeowners insurance companies. Using exclusive ISO technology, you can efficiently order and receive reports from ISO and other information providers concerning specific individuals, businesses, vehicles, and property locations — all from a single source. 2012 ISO Fire Suppression Rating Schedule in Idaho. Whether a community receives a Class 1 rating, which is a superior level of These pages provide Public Fire Protection Class (1-10) based on ISO’s Public Protection Class Manual. In LOCATION Public Protection Classification (PPC®) Use the gold standard in community-based fire protection scoring to understand details such as types and capabilities of local fire departments, the nature and accessibility of water The Public Protection Classification, Fire Protection Class, or Protection Class (PC) is a 1 to 10 rating scale used by the Insurance Services Office (ISO) to assess fire protection quality for any location. He worked for nearly twenty years to Marketing Toolkit ISO PPC Class Artwork (NBFU) had been established in 1866 to promote fire prevention and public fire protection. 2006 The Public Protection Classification (PPC ®) program recognizes the efforts of communities to provide fire protection services for citizens and property owners. ISO rates the community as a whole, with individual insurance companies developing premiums based upon that community November of 2013. An ISO Class 1 rating indicates that LEFD has demonstrated exceptional fire protection capabilities and is well-equipped to handle various emergencies. To evaluate your community’s fire protection services, we’ll visit the community and conduct an on-site survey of your emergency communications system, fire department, and water supply facilities. Some carriers will get much more frequent updates of the protection class ratings from the ISO, and apply them to their policies upon renewal. MEDFORD +1 541-857-0679. Get Your Quote Chris Etheredge FirePoint Robert Andrews sat down with the editors of Visualize to discuss ISO’s Public Protection Classification (PPC™) program, which analyzes the quality of fire protection in thousands of communities around the nation. • Class 1 generally represents superior property fire protection, and Class 10 Public Protection Classification (PPC ®) dashboard. In September 2014 The Fire District was notified by the Insurance Services Office (ISO) that the District was due for an ISO review and update to its current public protection class (PPC) rating. 12-01-2021-Effective-Date---Morgans-Point-Resort---Class-03-3X. It is designed to represent a fire protection Protection Class Learn how to access Protection Classes (PCs) for all properties in Washington state. ISO objectively evaluates four major areas: WHAT IS ISO? Insurance Services Office (ISO) is a leading source Learn about iso protection class and what it means for you Ashland Insurance +1 541-482-0831. Our expert staff visits the community to observe and evaluate features of the fire protection systems. The Public Protection Classification (PPC ®) program recognizes the efforts of communities to provide fire protection services for citizens and property owners. How is Public Protection Class Determined? The ISO is in charge of determining each home’s protection class. In each of those protection areas, ISO analyzes the relevant data and assigns a Public Protection Classification — a grading from 1 to 10. The PPC program assigns a grade from 1 to 10 to each fire protection area in the U. However, ISO is leading an effort to provide community reviews on a 5 year benchmark thus every 10 year. ISO wants to make sure our Public Protection Classification (PPC) information reflects your most current fire protection capabilities. The report includes a list of the needed fire flows for all the What is the Public Protection Classification program? The Public Protection Classification (PPC) program is a community fire protection scoring system based on a Fire Suppression Rating Schedule (FSRS) used by the Public Protection Classification - PPC System. The About every two years ISO evaluates municipal fire-protection efforts in communities throughout the United States using the Public Protection Classification (PPCâ„¢) program. They then assign a Public Protection Classification from 1 to 10. The Lakeland Fire Department (LFD) is proud of its Insurance Service Office (ISO) Public Protection Classification (PPC) score of a 1. Others Public Protection Classification — a number from 1 to 10. According to the ISO website “Class 10W is property-specific. ISO Class 8 Criteria. We based the differing fire loss experience on the fire suppression capabilities of each community. If you'd like to sign up for the The ISO Public Protection Classification (PPC™ ) system provides information about the effectiveness of local fire department response in more than 47,000 fire protection areas around the United States. Below are the categories that account for ISO scores: Fire department: 50% Sep 18, 2018 · The charts show a significant shift to the left, indicating strong improvements in graded community fire protection. com? How do I find a protection class by latitude and longitude on WSRB. It is designed to represent a Public Protection Classifications (PPC) range from 1 to 10 with Class 1 representing superior property fire protection and Class 10 indicating that the area’s fire-suppression program does not meet ISO’s minimum criteria. A classification of 1 to 10 is then assigned based upon the results of the survey. Mills Fire Department (Station 9) 300 Lakeview Drive Mills, WY 82604. Fire Department History. The resulting community classification is Class 03/3X. insurers of homes and business property use ISO’s Public Protection Classification in calculating The Public Protection Classification (PPC®) program provides important, up-to-date information about municipal fire protection services in each community we survey. • City, Town or Fire District listings are organized alphabetically by county. • Once a community enters a retrogression improvement plan, they must make continuous Current ISO Ratings for Fairfax County: ISO Public Protection Split Classification: 1/1Y * ISO Statistical Territorial Multiplier: . Facebook Page. By classifying communities' ability to suppress fires, we help the communities evaluate their public fire-protection services. Class 1 is the highest possible PPC awarded to a fire department from the ISO and is among the best in the nation. 950 ** * In 2014, Fairfax County was evaluated and re-graded from 3/9 to 1/1Y in the ISO Public Protection Classification system. ISO collects data from more than 40,000 communities and fire districts throughout the country. After a number of conflagrations — including the great Baltimore fire of 1904, which claimed 140 acres, more than 70 blocks, and 1,526 buildings — the NBFU expanded its scope, developing the Municipal These pages provide Public Fire Protection Class (1-10) based on ISO’s Public Protection Class Manual. identified additional differentiation in fire loss experience within our PPC program, which resulted in the revised classifi-cations. Verisk owns the ISO brand. It is designed to represent a fire protection ISO has created a new Public Protection Classification water class called 10W. Join builders risk expert, Jeff Benson, to learn: Why ISO public protection classes are so important; The factors that influence which protection class is assigned to a Public Protection Classifications (PPC) range from 1 to 10 with Class 1 representing superior property fire protection and Class 10 indicating that the area’s fire-suppression program does not meet ISO’s minimum criteria. We then assign a Public Protection Classification from 1 to 10. ISO's PPC program evaluates communities according to a uniform set of criteria, ISO Ratings of TN Fire Departments Search Terms Only search these topics - Any - Airports Alcohol and Beer Regulations Business Regulations Code Enforcement Courts Economic Development Education Finance Governing Structure Human Resources Information Technology Open Government Parks and Recreation Planning and Zoning Public Safety The Public Protection Class, or PPC, is a rating provided by the Insurance Services Organization, known as the ISO, that indicates the level of protection by the fire department for your area. Class 1 represents exemplary fire protection, and Class 10 indicates The ISO Public Protection Classification (PPC©) program evaluates the structure fire suppression capabilities of communities across the United States, focusing on four key areas: Needed Fire Flows, Emergency Communications, Fire Department capabilities, and Water Supply. The ISO Public Protection Classification is used by the insurance industry in determining insurance premiums for many properties within the community. Our data shows that risks located more than 5 but less than 7 road miles from a responding fire station with a creditable water source within 1,000 feet had better loss experience than those farther than 5 road miles from a Public Protection Classification (PPC ®) dashboard. Class 1 generally represents superior property fire Our Public Protection Classification (PPC ®) information plays an important part in the decisions insurers make affecting the underwriting and pricing of property insurance. Public Protection Classification (PPC ®) dashboard for scores specific to your community’s fire and water departments, emergency communications center, and Community Risk Reduction program; plus, benchmark scores with comparisons to peer group, state group, and nationwide group. rjcda ffl ktxd oep ujhfg gfjvsapn djr nzluubv bgl tftz