Composite
2.6 / 100 percentile
Screener / 425388
A
Greenwood Transitional Rehabilitation Unit
snfSC
1530 Parkway, Greenwood, SC 29646 · CCN 425388 · chain EPOCH ACQUISITION INC
Peer group
snf n = 14,684
Evidence depth
deep
Certified beds
12
Model
v1.2
Reads as: riskier than 2.6% of the 14,684 facilities in the snf peer group. percentile within peer group, 100 = highest risk. Grade bands are fixed percentile cuts (F is the top 5% of peer risk), so a grade is a position, not an absolute level.
Score model4ML signals1Components10CHOW radar1Distress radar1Staffing14Penalties0Deficiencies4Licensure0Ownership39Related party0Transactions0Comps12Market rent34
Composite explanation
4| Component | Percentile | Raw | Weight | Weight share | Contribution | Counts |
|---|---|---|---|---|---|---|
| billing conduct | 47.4 | 38.3 | 0.30 | 0.3000 | 14.22 | in index |
| chow risk | 25.2 | 25.0 | 0.15 | 0.1500 | 3.78 | in index |
| regulatory risk | 3.4 | 2.1 | 0.30 | 0.3000 | 1.02 | in index |
| staffing risk | 0.6 | 0.7 | 0.25 | 0.2500 | 0.15 | in index |
weighted_contribution sums to pre_rank_index over rows where counts_toward_index is true. The composite is the facility's percentile position of that index within its peer group, so contributions explain the input, and the rank explains the score.
ML signals — parallel engine
1| Kind | Finding | Signal | Subject | First seen |
|---|---|---|---|---|
| connection | Owner spans multiple chains | 12 chains | TRUIST BANK | 61 facilities |
Findings from the always-on scanning layer: anomalies on this facility, connections through its current owners and past buyers. Runs beside the deterministic composite, never inside it. Full board on the ML Lab page.
Component scores and registry models
10| Score type | Score | Grade | Model | Status | Registry model notes |
|---|---|---|---|---|---|
| billing conduct | 38.3 | 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. |
| p adverse action 12m | 0.1 | — | 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 | 1.1 | — | 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 | 2.1 | A | v0.3 | default · in composite | Deficiency-based, SNF population. Runs alongside v0.5-pos. |
| staffing risk | 0.7 | A | v0.3 | default · in composite | Cost-report staffing, SNF population. Runs alongside v0.4-pos, which covers ICF/IID from POS. |
| regulatory risk | 2.1 | A | 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 | 2.1 | A | 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 | 0.7 | A | 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 | 0.7 | A | 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. |
Rows with counts_toward_composite false come from models that are addressable or retracted rather than default. They exist and may be informative, but they did not enter the published composite and must not be summed as though they had.
CHOW radar — 12-month sale probability
full board →p(CHOW, 12m)
1.1%
model v0.1 · computed 2026-07-29
Percentile among SNFs
61.5
100 = most likely to sell
Holdout AUC
0.874
evaluated before shipping, never refit
| Driver | Value | Pull on odds | |
|---|---|---|---|
| Total nurse staffing (HPRD) | 7.30 | -0.84 | |
| For-profit ownership | 1.00 | +0.69 | |
| Never sold on record | 1.00 | +0.62 | |
| Current owner tenure (years) | 25.00 | +0.57 | |
| Occupancy | 0.89 | -0.56 | |
| No PBJ staffing report | 0.00 | +0.42 | |
| Facility size (log beds) | 2.56 | +0.27 | |
| Ownership changes, last 5 years | 0.00 | +0.20 |
p_adverse_action_12m: probability the facility's Medicare participation terminates within 12 months (any POS termination code; already-terminated facilities are excluded, not scored safe). Deterministic logistic over as-of-date public records, SNF only. Holdout (2025-04 panel, evaluated before shipping): AUC 0.971, top-decile lift 9.5x. Closures announce themselves: collapsing occupancy dominates, and fewer recent surveys is a winding-down signature. inputs.features holds raw feature values, inputs.contributions each feature's standardized pull on the log-odds. Predictions never enter the composite. See /v1/models. | p_chow_12m: probability of a change of ownership within 12 months. Deterministic logistic over as-of-date public records, SNF only. Holdout (2025-04 panel, evaluated before shipping): AUC 0.874, top-decile lift 5.0x. inputs.features holds raw feature values, inputs.contributions each feature's standardized pull on the log-odds. Predictions never enter the composite. See /v1/models for full notes.
Distress radar — 12-month termination probability
full board →p(termination, 12m)
0.1%
model v0.1 · computed 2026-07-29
Percentile among SNFs
41.8
100 = most likely to lose certification
Holdout AUC
0.971
top decile caught 95% of actual exits
| Driver | Value | Pull on odds | |
|---|---|---|---|
| Total nurse staffing (HPRD) | 7.30 | -1.72 | |
| Deficiencies, last 12 months | 0.00 | +1.43 | |
| For-profit ownership | 1.00 | -0.69 | |
| Occupancy | 0.89 | -0.60 | |
| Chain size (log) | 1.10 | +0.56 | |
| No PBJ staffing report | 0.00 | +0.39 | |
| Facility size (log beds) | 2.56 | +0.37 | |
| Fine amount, 12m (log) | 0.00 | +0.18 |
Probability the facility's Medicare participation ends within 12 months, from public records only. Red bars raise exit odds. A negative pull from deficiencies is the winding-down signature — surveys stop as a facility empties — not evidence that clean inspections are dangerous.
Staffing vs peers
14| 2025Q4 HPRD | This facility | SC median | National median | National p25–p75 |
|---|---|---|---|---|
| Total nurse | 7.30 | 3.32 | 3.28 | 2.90–3.77 |
| RN | 2.89 | 0.33 | 0.39 | 0.25–0.58 |
| Weekend total | 7.19 | 3.05 | 3.11 | — |
| Weekday total | 7.34 | 3.44 | 3.35 | — |
| Quarter | Days | Avg census | Total HPRD | RN | LPN | CNA | Weekend | Contract % |
|---|---|---|---|---|---|---|---|---|
| 2025Q4 | 92 | 10.7 | 7.30 | 2.89 | 0.33 | 4.08 | 7.19 | 0.0% |
| 2025Q1 | 90 | 10.5 | 7.10 | 3.08 | 0.31 | 3.72 | 6.70 | 0.0% |
| 2024Q4 | 92 | 10.7 | 7.10 | 3.18 | 0.15 | 3.77 | 7.04 | 0.0% |
| 2024Q3 | 92 | 10.3 | 7.76 | 3.35 | 0.32 | 4.09 | 7.97 | 0.0% |
| 2024Q2 | 91 | 11.9 | 6.64 | 2.93 | 0.13 | 3.58 | 6.55 | 0.0% |
| 2024Q1 | 91 | 13.4 | 5.58 | 2.24 | 0.16 | 3.17 | 5.57 | 0.0% |
| 2023Q4 | 92 | 11.2 | 6.67 | 2.84 | 0.09 | 3.74 | 6.70 | 0.0% |
| 2023Q3 | 92 | 11.2 | 6.67 | 2.98 | 0.11 | 3.59 | 6.42 | 0.0% |
| 2023Q2 | 91 | 12.6 | 5.36 | 2.45 | 0.07 | 2.84 | 5.42 | 0.0% |
| 2023Q1 | 90 | 11.3 | 6.02 | 2.47 | 0.32 | 3.23 | 5.82 | 0.0% |
| 2022Q4 | 92 | 10.0 | 6.74 | 2.58 | 0.40 | 3.77 | 6.53 | 0.0% |
| 2022Q3 | 92 | 9.3 | 7.58 | 3.20 | 0.50 | 3.88 | 7.75 | 0.0% |
| 2022Q2 | 91 | 10.0 | 7.18 | 2.98 | 0.56 | 3.63 | 7.02 | 0.0% |
| 2022Q1 | 90 | 10.1 | 5.98 | 2.00 | 0.72 | 3.26 | 5.91 | 0.4% |
HPRD is census-weighted: total hours over the quarter divided by total resident-days, not an average of daily ratios. Source is CMS Payroll-Based Journal daily records; only SNFs report PBJ, so other settings legitimately return zero rows.
Penalties
0No penalties on record for this facility. Absence of a record here means the sources CII ingests contain none, not that none exists anywhere.
Deficiencies
4D × 4
deficiencies by survey year
| Survey | Type | Tag | Deficiency | Scope | Corrected |
|---|---|---|---|---|---|
| 2024-06-06 | Health · complaint | F0609 | Timely report suspected abuse, neglect, or theft and report the results of the investigation to proper authorities. | D | 2024-06-26 |
| 2024-06-06 | 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 | 2024-06-26 |
| 2024-06-06 | 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 | 2024-06-26 |
| 2022-06-01 | Health | F0695 | Provide safe and appropriate respiratory care for a resident when needed. | D | 2022-06-22 |
scope_severity uses the CMS letter grid: A is least serious, L most. J, K and L are immediate jeopardy. Rows are the surveyor's findings of record, not the model's opinion.
Licensure actions
0No licensure actions on record for this facility. Absence of a record here means the sources CII ingests contain none, not that none exists anywhere.
Ownership
39| Owner | Role | Pct | From | Status | Source |
|---|---|---|---|---|---|
| ERNEST HEALTH, INC | 5% OR GREATER DIRECT OWNERSHIP INTEREST | 100% | 2007-09-19 | current | pecos_ownership |
| BRANCH BANKING & TRUST COMPANY | ADP OF THE SNF | — | 2026-04-08 | current | pecos_ownership |
| CANNON, EUDORA | INDIVIDUAL IS AN OWNER, PARTNER OR TRUSTEE OF ANY ADP OF THE SNF | — | 2026-02-27 | current | pecos_ownership |
| CANNON, EUDORA | CORPORATE OFFICER | — | 2023-06-01 | current | pecos_ownership |
| EPOCH ACQUISITION INC | 5% OR GREATER INDIRECT OWNERSHIP INTEREST | — | 2018-10-04 | current | pecos_ownership |
| EPOCH ACQUISITION INC | ADP OF THE SNF | — | 2026-02-27 | current | pecos_ownership |
| EPOCH MIDCO, INC | ADP OF THE SNF | — | 2026-02-27 | current | pecos_ownership |
| EPOCH MIDCO, INC | 5% OR GREATER INDIRECT OWNERSHIP INTEREST | — | 2018-10-04 | current | pecos_ownership |
| EPOCH PARENT HOLDINGS LLC | ADP OF THE SNF | — | 2026-02-27 | current | pecos_ownership |
| EPOCH PARENT HOLDINGS LLC | 5% OR GREATER INDIRECT OWNERSHIP INTEREST | — | 2018-10-04 | current | pecos_ownership |
| EPOCH PARENT INC | ADP OF THE SNF | — | 2026-02-27 | current | pecos_ownership |
| EPOCH PARENT INC | 5% OR GREATER INDIRECT OWNERSHIP INTEREST | — | 2018-10-04 | current | pecos_ownership |
| ERNEST HEALTH HOLDINGS LLC | 5% OR GREATER INDIRECT OWNERSHIP INTEREST | — | 2012-02-29 | current | pecos_ownership |
| ERNEST HEALTH HOLDINGS LLC | ADP OF THE SNF | — | 2026-02-27 | current | pecos_ownership |
| KANN, DENISE | CORPORATE OFFICER | — | 2023-06-01 | current | pecos_ownership |
| MANSKE, KRISTIN | ADP OF THE SNF | — | 2018-09-01 | current | pecos_ownership |
| MONDA, CLIFFORD | OPERATIONAL/MANAGERIAL CONTROL | — | 2008-07-07 | current | pecos_ownership |
| MPT OF GREENWOOD LLC | ADP OF THE SNF | — | 2012-02-24 | current | pecos_ownership |
| MPT OF GREENWOOD LLC | 5% OR GREATER SECURITY INTEREST | — | 2012-02-29 | current | pecos_ownership |
| MPT OPERATING PARTNERSHIP L P | ADP OF THE SNF | — | 2012-02-24 | current | pecos_ownership |
| ONE EQUITY PARTNERS VII LP | 5% OR GREATER INDIRECT OWNERSHIP INTEREST | — | 2025-11-28 | current | pecos_ownership |
| ONE EQUITY PARTNERS VII LP | ADP OF THE SNF | — | 2026-02-27 | current | pecos_ownership |
| ONE EQUITY PARTNERS VII-A LP | 5% OR GREATER INDIRECT OWNERSHIP INTEREST | — | 2018-10-04 | current | pecos_ownership |
| ONE EQUITY PARTNERS VII-A LP | ADP OF THE SNF | — | 2026-02-27 | current | pecos_ownership |
| ONE EQUITY PARTNERS VII-B LP | 5% OR GREATER INDIRECT OWNERSHIP INTEREST | — | 2025-11-18 | current | pecos_ownership |
| ONE EQUITY PARTNERS VII-B LP | ADP OF THE SNF | — | 2026-02-27 | current | pecos_ownership |
| REED, CALEB | OPERATIONAL/MANAGERIAL CONTROL | — | 2023-06-01 | current | pecos_ownership |
| SOCHA, JACOB | OPERATIONAL/MANAGERIAL CONTROL | — | 2023-06-01 | current | pecos_ownership |
| TRUIST BANK | 5% OR GREATER MORTGAGE INTEREST | — | 2025-11-01 | current | pecos_ownership |
| ONE EQUITY PARTNERS VII LP | 5% OR GREATER INDIRECT OWNERSHIP INTEREST | 59% | 2018-10-04 | ended 2026-05-18 | pecos_ownership |
| CAPITAL ONE NA | 5% OR GREATER SECURITY INTEREST | 53% | 2018-10-04 | ended 2026-05-18 | pecos_ownership |
| ONE EQUITY PARTNERS VII-B LP | 5% OR GREATER INDIRECT OWNERSHIP INTEREST | 17% | 2018-10-04 | ended 2026-05-18 | pecos_ownership |
| EHJV HOLDINGS, LLC | 5% OR GREATER INDIRECT OWNERSHIP INTEREST | 9% | 2019-01-10 | ended 2026-05-18 | pecos_ownership |
| BRAD HOLLINGER | 5% OR GREATER INDIRECT OWNERSHIP INTEREST | 8% | 2019-01-10 | ended 2026-05-18 | pecos_ownership |
| CALEB REED | CORPORATE OFFICER | — | 2023-06-01 | ended 2026-05-18 | pecos_ownership |
| DENISE KANN | CORPORATE OFFICER | — | 2023-06-01 | ended 2026-05-18 | pecos_ownership |
| EUDORA CANNON | CORPORATE OFFICER | — | 2023-06-01 | ended 2026-05-18 | pecos_ownership |
| JACOB SOCHA | CORPORATE OFFICER | — | 2023-06-01 | ended 2026-05-18 | pecos_ownership |
| KRISTIN MANSKE | W-2 MANAGING EMPLOYEE | — | 2018-09-01 | ended 2026-05-18 | pecos_ownership |
PECOS ownership and managing-control associations. Current edges have no end date in the source; historical edges are retained.
Transactions
0No transactions on record for this facility. Absence of a record here means the sources CII ingests contain none, not that none exists anywhere.
Comparable trades — SC snf
12| Close | Facility | Price | $/bed | Cap rate | Beds | Buyer |
|---|---|---|---|---|---|---|
| 2025-05-01 | Oak Hollow of Georgetown Rehabilitation Center LLC | — | — | — | 84 | GEORGETOWN OPERATIONS LLC |
| 2025-05-01 | Oak Hollow Of Sumter Rehabilitation Center | — | — | — | 96 | SUMTER OPERATIONS LLC |
| 2025-01-01 | Veteran Village | — | — | — | 52 | STATE OF SOUTH CAROLINA COMPTROLLER GENERAL |
| 2024-08-01 | White Oak Manor - York | — | — | — | 109 | NHC HEALTHCARE/YORK LLC |
| 2024-06-01 | St Andrews Operator, LLC | — | — | — | 108 | ST ANDREWS OPERATOR LLC |
| 2024-04-01 | The Oaks Post Acute | — | — | — | 122 | ORANGEBURG COMMUNITY HEALTHCARE LLC |
| 2024-01-31 | Honorage Nursing Center | — | — | — | 88 | WILSON SENIOR CARE HONORAGE LLC |
| 2024-01-09 | Forest Acres Post Acute | — | — | — | 132 | FOREST ACRES COMMUNITY HEALTHCARE, LLC |
| 2024-01-09 | Union Post Acute | — | — | — | 88 | UNION COMMUNITY HEALTHCARE, LLC |
| 2024-01-01 | Lakelands Nursing And Rehabilitation Center | — | — | — | 69 | SELF REGIONAL HEALTHCARE |
| 2023-09-13 | Heartland Health Care Center - Greenville East | — | — | — | 132 | BEREA COMMUNITY HEALTHCARE LLC |
| 2023-09-01 | Ashley River Healthcare | — | — | — | 125 | ORANGE GROVE HEALTHCARE INC |
Most recent same-state, same-setting trades. Most CHOW-derived trades carry no disclosed consideration, so price, $/bed, and cap rate show only where a sale price was resolved from a deed or filing — blanks are honest, not missing data.
Market rent context
34| Geo | Kind | BR | Amount | As of | Source |
|---|---|---|---|---|---|
| county 45047 | acs median gross | 0 | $832 | 2024-12-31 | CENSUS_ACS5 |
| county 45047 | fmr | 0 | $703 | 2025-10-01 | HUD_USER_FMR |
| county 45047 | acs median gross | 1 | $734 | 2024-12-31 | CENSUS_ACS5 |
| county 45047 | fmr | 1 | $757 | 2025-10-01 | HUD_USER_FMR |
| county 45047 | acs median gross | 2 | $868 | 2024-12-31 | CENSUS_ACS5 |
| county 45047 | fmr | 2 | $934 | 2025-10-01 | HUD_USER_FMR |
| county 45047 | acs median gross | 3 | $1,065 | 2024-12-31 | CENSUS_ACS5 |
| county 45047 | fmr | 3 | $1,135 | 2025-10-01 | HUD_USER_FMR |
| county 45047 | acs median gross | 4 | $1,131 | 2024-12-31 | CENSUS_ACS5 |
| county 45047 | fmr | 4 | $1,275 | 2025-10-01 | HUD_USER_FMR |
| county 45047 | acs median gross | $898 | 2024-12-31 | CENSUS_ACS5 | |
| county 45047 | acs recent mover gross | $1,145 | 2024-12-31 | CENSUS_ACS5 | |
| zcta 29646 | acs median gross | 0 | $580 | 2024-12-31 | CENSUS_ACS5 |
| zcta 29646 | acs median gross | 1 | $618 | 2024-12-31 | CENSUS_ACS5 |
| zcta 29646 | acs median gross | 2 | $842 | 2024-12-31 | CENSUS_ACS5 |
| zcta 29646 | acs median gross | 3 | $1,067 | 2024-12-31 | CENSUS_ACS5 |
| zcta 29646 | acs median gross | 4 | $1,124 | 2024-12-31 | CENSUS_ACS5 |
| zcta 29646 | acs median gross | $833 | 2024-12-31 | CENSUS_ACS5 | |
| zcta 29646 | acs recent mover gross | $834 | 2024-12-31 | CENSUS_ACS5 | |
| zip 29646 | payment standard 110 | 0 | $781 | 2025-10-01 | HUD_USER_SAFMR |
| zip 29646 | payment standard 90 | 0 | $639 | 2025-10-01 | HUD_USER_SAFMR |
| zip 29646 | safmr | 0 | $710 | 2025-10-01 | HUD_USER_SAFMR |
| zip 29646 | payment standard 110 | 1 | $803 | 2025-10-01 | HUD_USER_SAFMR |
| zip 29646 | payment standard 90 | 1 | $657 | 2025-10-01 | HUD_USER_SAFMR |
| zip 29646 | safmr | 1 | $730 | 2025-10-01 | HUD_USER_SAFMR |
| zip 29646 | payment standard 110 | 2 | $990 | 2025-10-01 | HUD_USER_SAFMR |
| zip 29646 | payment standard 90 | 2 | $810 | 2025-10-01 | HUD_USER_SAFMR |
| zip 29646 | safmr | 2 | $900 | 2025-10-01 | HUD_USER_SAFMR |
| zip 29646 | payment standard 110 | 3 | $1,221 | 2025-10-01 | HUD_USER_SAFMR |
| zip 29646 | payment standard 90 | 3 | $999 | 2025-10-01 | HUD_USER_SAFMR |
| zip 29646 | safmr | 3 | $1,110 | 2025-10-01 | HUD_USER_SAFMR |
| zip 29646 | payment standard 110 | 4 | $1,353 | 2025-10-01 | HUD_USER_SAFMR |
| zip 29646 | payment standard 90 | 4 | $1,107 | 2025-10-01 | HUD_USER_SAFMR |
| zip 29646 | safmr | 4 | $1,230 | 2025-10-01 | HUD_USER_SAFMR |
ACS median gross rents and HUD FMR/SAFMR for the facility's county and ZIP. Context for underwriting, not facility pricing.