Composite
92.0 / 100 percentile
| Component | Percentile | Raw | Weight | Weight share | Contribution | Counts |
|---|---|---|---|---|---|---|
| financial risk | 94.6 | 83.9 | 0.30 | 0.2308 | 21.83 | in index |
| staffing risk | 94.9 | 94.9 | 0.25 | 0.1923 | 18.25 | in index |
| regulatory risk | 46.1 | 35.0 | 0.30 | 0.2308 | 10.64 | in index |
| billing conduct | 45.9 | 37.7 | 0.30 | 0.2308 | 10.59 | in index |
| chow risk | 61.1 | 59.9 | 0.15 | 0.1154 | 7.05 | in index |
| Score type | Score | Grade | Model | Status | Registry model notes |
|---|---|---|---|---|---|
| billing conduct | 37.7 | B | v0.1-pacpuf-snf | default · in composite | R22. PAC PUF SNF 2023. PDPM coding intensity vs acuity, stay length, charge markup. |
| chow risk | 25.0 | B | v0.1-pos | default · in composite | Change-of-ownership footprint in the CMS Provider of Services file: control-family, legal-name and address deltas across quarterly snapshots, plus certification reset recency and Medicare tenure. |
| chow risk | 94.8 | F | v0.6 | default · in composite | |
| financial risk | 83.9 | F | v0.5 | default · in composite | R18. |
| p adverse action 12m | 0.0 | — | v0.1 | default · in composite | R23/W4-3. Deterministic logistic p(Medicare termination within 12m), SNF only. Label = first POS termination date (any code: voluntary closure, involuntary termination, merger exit); facilities already terminated by the panel date are excluded, not counted as safe. Trained on panels 2024-07/2024-10/2025-01 (n=46,466, 283 positives), evaluated on the held-out later panel 2025-04 BEFORE shipping: AUC 0.971, top-decile lift 9.5x, top-decile capture 95.4% of the 65 terminations that followed. Separability is high because closures announce themselves in the data: collapsing occupancy is the strongest signal, and the learned NEGATIVE weight on 12m deficiency counts is the surveys-stop signature of a facility winding down, not a claim that clean inspections are dangerous. Same 15 as-of-date features and anti-leakage chassis as p_chow_12m; SFF entry rejected as a label (only one month of SFF history exists, so as-of transitions cannot be reconstructed). Score = probability x 100; grade NULL. Not in any composite. |
| p chow 12m | 7.9 | — | v0.1 | default · in composite | R22/W4-2. Deterministic logistic p(CHOW within 12m), SNF only. Trained on panels 2024-07/2024-10/2025-01 (n=50,700, 1,207 positives), evaluated on the held-out later panel 2025-04 BEFORE shipping: AUC 0.874, top-decile lift 5.0x (top 10% of predictions captured 49.6% of the CHOWs that actually closed in the next 12 months). Shipped coefficients are the evaluated ones; no post-holdout refit. Caveat: holdout positives (133) run below the training base rate because recent CHOWs surface in public records with a lag, so measured lift is conservative. Features are as-of-date public records: PBJ staffing level/trend/contract share (quarterly history to 2022Q1), deficiency and CMP counts (12m), ownership tenure and churn from CHOW-evidenced transactions, beds, occupancy, ownership type, chain size. Chain membership and ownership type are current-state (history not published). SFF and star ratings deliberately excluded (no as-of history). Notable learned direction: long ownership tenure RAISES sale odds and a recent prior CHOW lowers them. Score = probability x 100; grade is NULL because a probability is not a quality letter. Not in any composite. |
| regulatory risk | 35.0 | B | v0.3 | default · in composite | Deficiency-based, SNF population. Runs alongside v0.5-pos. |
| staffing risk | 94.9 | F | v0.3 | default · in composite | Cost-report staffing, SNF population. Runs alongside v0.4-pos, which covers ICF/IID from POS. |
| financial risk | 97.1 | F | v0.1 | superseded | Pre-registry model iteration, superseded by a later financial_risk rebuild. Rows retained for audit per project convention (see regulatory_risk v0.4-pos); never consumed because v_cii_api_facility_score and the composite eligibility join both require status = default. Backfilled 2026-07-26 by alert triage on model_registry_integrity. |
| financial risk | 77.1 | D | v0.2 | superseded | Pre-registry model iteration, superseded by a later financial_risk rebuild. Rows retained for audit per project convention (see regulatory_risk v0.4-pos); never consumed because v_cii_api_facility_score and the composite eligibility join both require status = default. Backfilled 2026-07-26 by alert triage on model_registry_integrity. |
| financial risk | 68.7 | D | v0.3 | superseded | Pre-registry model iteration, superseded by a later financial_risk rebuild. Rows retained for audit per project convention (see regulatory_risk v0.4-pos); never consumed because v_cii_api_facility_score and the composite eligibility join both require status = default. Backfilled 2026-07-26 by alert triage on model_registry_integrity. |
| financial risk | 83.3 | F | v0.4 | superseded | Pre-registry model iteration, superseded by a later financial_risk rebuild. Rows retained for audit per project convention (see regulatory_risk v0.4-pos); never consumed because v_cii_api_facility_score and the composite eligibility join both require status = default. Backfilled 2026-07-26 by alert triage on model_registry_integrity. |
| regulatory risk | 44.2 | B | v0.1 | superseded | Pre-registry model iteration, superseded by a later regulatory_risk rebuild. Rows retained for audit per project convention (see regulatory_risk v0.4-pos); never consumed because v_cii_api_facility_score and the composite eligibility join both require status = default. Backfilled 2026-07-26 by alert triage on model_registry_integrity. |
| regulatory risk | 44.2 | B | v0.2 | superseded | Pre-registry model iteration, superseded by a later regulatory_risk rebuild. Rows retained for audit per project convention (see regulatory_risk v0.4-pos); never consumed because v_cii_api_facility_score and the composite eligibility join both require status = default. Backfilled 2026-07-26 by alert triage on model_registry_integrity. |
| staffing risk | 94.9 | F | v0.1 | superseded | Pre-registry model iteration, superseded by a later staffing_risk rebuild. Rows retained for audit per project convention (see regulatory_risk v0.4-pos); never consumed because v_cii_api_facility_score and the composite eligibility join both require status = default. Backfilled 2026-07-26 by alert triage on model_registry_integrity. |
| staffing risk | 94.9 | F | v0.2 | superseded | Pre-registry model iteration, superseded by a later staffing_risk rebuild. Rows retained for audit per project convention (see regulatory_risk v0.4-pos); never consumed because v_cii_api_facility_score and the composite eligibility join both require status = default. Backfilled 2026-07-26 by alert triage on model_registry_integrity. |
| Driver | Value | Pull on odds | |
|---|---|---|---|
| For-profit ownership | 1.00 | +0.69 | |
| Never sold on record | 1.00 | +0.62 | |
| Current owner tenure (years) | 25.00 | +0.57 | |
| No PBJ staffing report | 0.00 | +0.42 | |
| Chain size (log) | 3.43 | +0.33 | |
| Ownership changes, last 5 years | 0.00 | +0.20 | |
| Total nurse staffing (HPRD) | 2.30 | +0.15 | |
| Facility size (log beds) | 5.17 | -0.13 |
| Driver | Value | Pull on odds | |
|---|---|---|---|
| Chain size (log) | 3.43 | -0.80 | |
| For-profit ownership | 1.00 | -0.69 | |
| Deficiencies, last 12 months | 10.00 | -0.43 | |
| No PBJ staffing report | 0.00 | +0.39 | |
| Total nurse staffing (HPRD) | 2.30 | +0.39 | |
| Occupancy | 0.68 | +0.28 | |
| Staffing trend, last 4 quarters | -0.34 | -0.19 | |
| Fine amount, 12m (log) | 0.00 | +0.18 |
| 2025Q4 HPRD | This facility | IN median | National median | National p25–p75 |
|---|---|---|---|---|
| Total nurse | 2.30 | 2.85 | 3.28 | 2.90–3.77 |
| RN | 0.27 | 0.40 | 0.39 | 0.25–0.58 |
| Weekend total | 1.93 | 2.71 | 3.11 | — |
| Weekday total | 2.44 | 2.90 | 3.35 | — |
| Quarter | Days | Avg census | Total HPRD | RN | LPN | CNA | Weekend | Contract % |
|---|---|---|---|---|---|---|---|---|
| 2025Q4 | 92 | 119.4 | 2.30 | 0.27 | 0.59 | 1.43 | 1.93 | 2.3% |
| 2025Q3 | 92 | 117.0 | 2.37 | 0.27 | 0.71 | 1.39 | 2.04 | 1.0% |
| 2025Q2 | 91 | 126.1 | 2.32 | 0.28 | 0.68 | 1.37 | 2.11 | 0.0% |
| 2025Q1 | 90 | 112.2 | 2.49 | 0.29 | 0.70 | 1.50 | 2.37 | 0.0% |
| 2024Q4 | 92 | 111.3 | 2.64 | 0.34 | 0.75 | 1.55 | 2.44 | 0.0% |
| 2024Q3 | 92 | 113.3 | 2.55 | 0.22 | 0.74 | 1.59 | 2.40 | 0.0% |
| 2024Q2 | 91 | 101.6 | 2.44 | 0.22 | 0.71 | 1.51 | 2.21 | 0.0% |
| 2024Q1 | 91 | 88.7 | 2.53 | 0.25 | 0.70 | 1.58 | 2.31 | 0.0% |
| 2023Q4 | 92 | 92.4 | 2.39 | 0.26 | 0.55 | 1.58 | 2.28 | 0.0% |
| 2023Q3 | 92 | 95.7 | 2.28 | 0.19 | 0.57 | 1.52 | 2.10 | 0.0% |
| 2023Q2 | 91 | 89.2 | 2.67 | 0.20 | 0.89 | 1.58 | 2.36 | 16.1% |
| 2023Q1 | 90 | 91.2 | 3.05 | 0.26 | 0.85 | 1.94 | 2.80 | 27.6% |
| 2022Q4 | 92 | 88.5 | 3.11 | 0.31 | 0.53 | 2.28 | 2.99 | 25.1% |
| 2022Q3 | 92 | 93.5 | 3.04 | 0.27 | 0.50 | 2.27 | 2.84 | 20.8% |
| 2022Q2 | 91 | 90.5 | 2.92 | 0.31 | 0.51 | 2.11 | 2.70 | 17.2% |
| 2022Q1 | 90 | 91.5 | 3.27 | 0.57 | 0.49 | 2.22 | 3.09 | 0.0% |
| Survey | Type | Tag | Deficiency | Scope | Corrected |
|---|---|---|---|---|---|
| 2026-01-16 | Health · complaint | F0580 | Immediately tell the resident, the resident's doctor, and a family member of situations (injury/decline/room, etc.) that affect the resident. | D | 2026-02-13 |
| 2026-01-16 | Health · complaint | F0684 | Provide appropriate treatment and care according to orders, resident’s preferences and goals. | D | 2026-02-13 |
| 2025-10-02 | Health · complaint | F0600 | Protect each resident from all types of abuse such as physical, mental, sexual abuse, physical punishment, and neglect by anybody. | D | 2025-12-19 |
| 2025-08-12 | Health | F0584 | Honor the resident's right to a safe, clean, comfortable and homelike environment, including but not limited to receiving treatment and supports for daily living safely. | D | 2025-09-01 |
| 2025-08-12 | Health | F0605 | Prevent the use of unnecessary psychotropic medications or use medications that may restrain a resident's ability to function. | D | 2025-09-01 |
| 2025-08-12 | Health | F0656 | Develop and implement a complete care plan that meets all the resident's needs, with timetables and actions that can be measured. | D | 2025-09-01 |
| 2025-08-12 | Health | F0684 | Provide appropriate treatment and care according to orders, resident’s preferences and goals. | D | 2025-09-01 |
| 2025-08-12 | Health | F0688 | Provide appropriate care for a resident to maintain and/or improve range of motion (ROM), limited ROM and/or mobility, unless a decline is for a medical reason. | D | 2025-09-01 |
| 2025-08-12 | Health | F0755 | Provide pharmaceutical services to meet the needs of each resident and employ or obtain the services of a licensed pharmacist. | D | 2025-09-01 |
| 2025-08-12 | Health | F0812 | Procure food from sources approved or considered satisfactory and store, prepare, distribute and serve food in accordance with professional standards. | E | 2025-09-01 |
| 2025-01-23 | Health · complaint | F0609 | Timely report suspected abuse, neglect, or theft and report the results of the investigation to proper authorities. | D | 2025-02-14 |
| 2024-10-04 | Health · complaint | F0804 | Ensure food and drink is palatable, attractive, and at a safe and appetizing temperature. | F | 2024-10-21 |
| 2024-08-05 | Health | F0567 | Honor the resident's right to manage his or her financial affairs. | E | 2024-09-04 |
| 2024-08-05 | Health | F0570 | Assure the security of all personal funds of residents deposited with the facility. | E | 2024-09-04 |
| 2024-08-05 | Health | F0578 | Honor the resident's right to request, refuse, and/or discontinue treatment, to participate in or refuse to participate in experimental research, and to formulate an advance directive. | D | 2024-09-04 |
| 2024-08-05 | Health | F0655 | Create and put into place a plan for meeting the resident's most immediate needs within 48 hours of being admitted | E | 2024-09-04 |
| 2024-08-05 | Health | F0656 | Develop and implement a complete care plan that meets all the resident's needs, with timetables and actions that can be measured. | E | 2024-09-04 |
| 2024-08-05 | Health | F0679 | Provide activities to meet all resident's needs. | D | 2024-09-04 |
| 2024-08-05 | Health | F0684 | Provide appropriate treatment and care according to orders, resident’s preferences and goals. | D | 2024-09-04 |
| 2024-08-05 | Health | F0688 | Provide appropriate care for a resident to maintain and/or improve range of motion (ROM), limited ROM and/or mobility, unless a decline is for a medical reason. | D | 2024-09-04 |
| 2024-08-05 | Health | F0694 | Provide for the safe, appropriate administration of IV fluids for a resident when needed. | D | 2024-09-04 |
| 2024-08-05 | Health | F0695 | Provide safe and appropriate respiratory care for a resident when needed. | D | 2024-09-04 |
| 2024-08-05 | Health | F0755 | Provide pharmaceutical services to meet the needs of each resident and employ or obtain the services of a licensed pharmacist. | D | 2024-09-04 |
| 2024-08-05 | Health | F0758 | Implement gradual dose reductions(GDR) and non-pharmacological interventions, unless contraindicated, prior to initiating or instead of continuing psychotropic medication; and PRN orders for psychotropic medications are only used when the medication is necessary and PRN use is limited. | D | 2024-09-04 |
| 2024-08-05 | Health | F0812 | Procure food from sources approved or considered satisfactory and store, prepare, distribute and serve food in accordance with professional standards. | F | 2024-09-04 |
| 2024-08-05 | Health | F0880 | Provide and implement an infection prevention and control program. | D | 2024-09-04 |
| 2023-07-27 | Health · complaint | F0554 | Allow residents to self-administer drugs if determined clinically appropriate. | D | 2023-09-08 |
| 2023-07-27 | Health | F0578 | Honor the resident's right to request, refuse, and/or discontinue treatment, to participate in or refuse to participate in experimental research, and to formulate an advance directive. | D | 2023-09-08 |
| 2023-07-27 | Health · complaint | F0580 | Immediately tell the resident, the resident's doctor, and a family member of situations (injury/decline/room, etc.) that affect the resident. | D | 2023-09-08 |
| 2023-07-27 | Health | F0623 | Provide timely notification to the resident, and if applicable to the resident representative and ombudsman, before transfer or discharge, including appeal rights. | D | 2023-09-08 |
| 2023-07-27 | Health | F0625 | Notify the resident or the resident’s representative in writing how long the nursing home will hold the resident’s bed in cases of transfer to a hospital or therapeutic leave. | D | 2023-09-08 |
| 2023-07-27 | Health | F0656 | Develop and implement a complete care plan that meets all the resident's needs, with timetables and actions that can be measured. | D | 2023-09-08 |
| 2023-07-27 | Health | F0677 | Provide care and assistance to perform activities of daily living for any resident who is unable. | D | 2023-09-08 |
| 2023-07-27 | Health | F0695 | Provide safe and appropriate respiratory care for a resident when needed. | D | 2023-09-08 |
| 2023-07-27 | Health · complaint | F0755 | Provide pharmaceutical services to meet the needs of each resident and employ or obtain the services of a licensed pharmacist. | D | 2023-09-08 |
| 2023-07-27 | Health | F0761 | Ensure drugs and biologicals used in the facility are labeled in accordance with currently accepted professional principles; and all drugs and biologicals must be stored in locked compartments, separately locked, compartments for controlled drugs. | E | 2023-09-08 |
| 2023-07-27 | Health | F0812 | Procure food from sources approved or considered satisfactory and store, prepare, distribute and serve food in accordance with professional standards. | E | 2023-09-08 |
| 2023-07-27 | Health | F0921 | Make sure that the nursing home area is safe, easy to use, clean and comfortable for residents, staff and the public. | D | 2023-09-08 |
| Owner | Role | Pct | From | Status | Source |
|---|---|---|---|---|---|
| ELKHART OPERATING LLC | OPERATIONAL/MANAGERIAL CONTROL | — | 2012-09-01 | current | pecos_ownership |
| ENGELS, ERIN | CORPORATE OFFICER | — | 2014-10-25 | current | pecos_ownership |
| FENOUGHTY, DEANNA | CORPORATE OFFICER | — | 2023-07-10 | current | pecos_ownership |
| GENTRY, MARK | CORPORATE DIRECTOR | — | 2022-01-12 | current | pecos_ownership |
| KNISLEY, CHAD | CONTRACTED MANAGING EMPLOYEE | — | 2023-05-01 | current | pecos_ownership |
| STARKEY, TYLER | CORPORATE OFFICER | — | 2020-08-01 | current | pecos_ownership |
| WAITE, JOHN | CORPORATE OFFICER | — | 2020-08-01 | current | pecos_ownership |
| WHICKER, TIMOTHY | CORPORATE DIRECTOR | — | 2022-01-12 | current | pecos_ownership |
| HENDRICKS COUNTY HOSPITAL | 5% OR GREATER DIRECT OWNERSHIP INTEREST | 100% | 2012-09-01 | ended 2026-05-18 | pecos_ownership |
| CHAD KNISLEY | CONTRACTED MANAGING EMPLOYEE | 0% | 2023-05-01 | ended 2026-05-18 | pecos_ownership |
| DEANNA FENOUGHTY | CORPORATE OFFICER | 0% | 2023-07-10 | ended 2026-05-18 | pecos_ownership |
| ERIN ENGELS | CORPORATE OFFICER | — | 2014-10-25 | ended 2026-05-18 | pecos_ownership |
| JOHN WAITE | CORPORATE OFFICER | — | 2020-08-01 | ended 2026-05-18 | pecos_ownership |
| MARK GENTRY | CORPORATE DIRECTOR | — | 2022-01-12 | ended 2026-05-18 | pecos_ownership |
| TIMOTHY WHICKER | CORPORATE DIRECTOR | — | 2022-01-12 | ended 2026-05-18 | pecos_ownership |
| TYLER STARKEY | CORPORATE OFFICER | — | 2020-08-01 | ended 2026-05-18 | pecos_ownership |
| Close | Facility | Price | $/bed | Cap rate | Beds | Buyer |
|---|---|---|---|---|---|---|
| 2025-01-08 | HEALTHWIN HEALTH & REHABILITATION | — | — | — | 145 | PULASKI MEMORIAL HOSPITAL |
| 2025-01-01 | ENVIVE OF LIBERTY | — | — | — | 60 | ADAMS COUNTY MEMORIAL HOSPITAL |
| 2025-01-01 | ENVIVE OF MUNCIE | — | — | — | 60 | ADAMS COUNTY MEMORIAL HOSPITAL |
| 2024-08-01 | FAIRWAY VILLAGE | — | — | — | 53 | HENRY COUNTY MEMORIAL HOSPITAL |
| 2024-07-01 | ASBURY TOWERS HEALTH CARE CENTER | — | — | — | 48 | PULASKI MEMORIAL HOSPITAL |
| 2024-07-01 | PILGRIM MANOR | — | — | — | 78 | ADAMS COUNTY MEMORIAL HOSPITAL |
| 2024-07-01 | CHASE CENTER | — | — | — | 101 | ADAMS COUNTY MEMORIAL HOSPITAL |
| 2024-06-01 | IGNITE MEDICAL RESORT CHESTERTON | — | — | — | 70 | IGNITE MEDICAL RESORT CHESTERTON LLC |
| 2024-01-01 | BRIARCLIFF HEALTH & REHABILITATION CENTER | — | — | — | 131 | PULASKI MEMORIAL HOSPITAL |
| 2024-01-01 | SOUTH SHORE HEALTH & REHABILITATION CENTER | — | — | — | 100 | PULASKI MEMORIAL HOSPITAL |
| 2024-01-01 | EVANSVILLE PROTESTANT HOME | — | — | — | 49 | HENRY COUNTY MEMORIAL HOSPITAL |
| 2023-12-01 | ROLLING HILLS HEALTHCARE CENTER | — | — | — | 115 | ADAMS COUNTY MEMORIAL HOSPITAL |
| Geo | Kind | BR | Amount | As of | Source |
|---|---|---|---|---|---|
| county 18039 | acs median gross | 0 | $854 | 2024-12-31 | CENSUS_ACS5 |
| county 18039 | fmr | 0 | $968 | 2025-10-01 | HUD_USER_FMR |
| county 18039 | acs median gross | 1 | $838 | 2024-12-31 | CENSUS_ACS5 |
| county 18039 | fmr | 1 | $992 | 2025-10-01 | HUD_USER_FMR |
| county 18039 | acs median gross | 2 | $1,030 | 2024-12-31 | CENSUS_ACS5 |
| county 18039 | fmr | 2 | $1,183 | 2025-10-01 | HUD_USER_FMR |
| county 18039 | acs median gross | 3 | $1,236 | 2024-12-31 | CENSUS_ACS5 |
| county 18039 | fmr | 3 | $1,553 | 2025-10-01 | HUD_USER_FMR |
| county 18039 | acs median gross | 4 | $1,325 | 2024-12-31 | CENSUS_ACS5 |
| county 18039 | fmr | 4 | $1,581 | 2025-10-01 | HUD_USER_FMR |
| county 18039 | acs median gross | 5 | $1,204 | 2024-12-31 | CENSUS_ACS5 |
| county 18039 | acs median gross | $1,047 | 2024-12-31 | CENSUS_ACS5 | |
| county 18039 | acs recent mover gross | $1,119 | 2024-12-31 | CENSUS_ACS5 | |
| zcta 46517 | acs median gross | 1 | $829 | 2024-12-31 | CENSUS_ACS5 |
| zcta 46517 | acs median gross | 2 | $900 | 2024-12-31 | CENSUS_ACS5 |
| zcta 46517 | acs median gross | 3 | $1,179 | 2024-12-31 | CENSUS_ACS5 |
| zcta 46517 | acs median gross | $938 | 2024-12-31 | CENSUS_ACS5 | |
| zcta 46517 | acs recent mover gross | $1,142 | 2024-12-31 | CENSUS_ACS5 | |
| zip 46517 | payment standard 110 | 0 | $957 | 2025-10-01 | HUD_USER_SAFMR |
| zip 46517 | payment standard 90 | 0 | $783 | 2025-10-01 | HUD_USER_SAFMR |
| zip 46517 | safmr | 0 | $870 | 2025-10-01 | HUD_USER_SAFMR |
| zip 46517 | payment standard 110 | 1 | $979 | 2025-10-01 | HUD_USER_SAFMR |
| zip 46517 | payment standard 90 | 1 | $801 | 2025-10-01 | HUD_USER_SAFMR |
| zip 46517 | safmr | 1 | $890 | 2025-10-01 | HUD_USER_SAFMR |
| zip 46517 | payment standard 110 | 2 | $1,166 | 2025-10-01 | HUD_USER_SAFMR |
| zip 46517 | payment standard 90 | 2 | $954 | 2025-10-01 | HUD_USER_SAFMR |
| zip 46517 | safmr | 2 | $1,060 | 2025-10-01 | HUD_USER_SAFMR |
| zip 46517 | payment standard 110 | 3 | $1,529 | 2025-10-01 | HUD_USER_SAFMR |
| zip 46517 | payment standard 90 | 3 | $1,251 | 2025-10-01 | HUD_USER_SAFMR |
| zip 46517 | safmr | 3 | $1,390 | 2025-10-01 | HUD_USER_SAFMR |
| zip 46517 | payment standard 110 | 4 | $1,562 | 2025-10-01 | HUD_USER_SAFMR |
| zip 46517 | payment standard 90 | 4 | $1,278 | 2025-10-01 | HUD_USER_SAFMR |
| zip 46517 | safmr | 4 | $1,420 | 2025-10-01 | HUD_USER_SAFMR |