Composite
17.3 / 100 percentile
Screener / 255137
A
NESHOBA COUNTY NURSING HOME
snfMS
1001 HOLLAND AVENUE, PHILADELPHIA, MS 39350 · CCN 255137
Peer group
snf n = 14,684
Evidence depth
deep
Certified beds
145
Model
v1.2
Reads as: riskier than 17.3% 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 model4Components10CHOW radar1Distress radar1Staffing16Penalties1Deficiencies23Licensure0Ownership19Related party0Transactions0Comps12Market rent31
Composite explanation
4| Component | Percentile | Raw | Weight | Weight share | Contribution | Counts |
|---|---|---|---|---|---|---|
| regulatory risk | 71.1 | 66.5 | 0.30 | 0.3000 | 21.33 | in index |
| billing conduct | 27.1 | 30.2 | 0.30 | 0.3000 | 8.13 | in index |
| staffing risk | 14.9 | 15.0 | 0.25 | 0.2500 | 3.73 | in index |
| chow risk | 8.7 | 23.5 | 0.15 | 0.1500 | 1.31 | 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.
Component scores and registry models
10| Score type | Score | Grade | Model | Status | Registry model notes |
|---|---|---|---|---|---|
| billing conduct | 30.2 | B | v0.1-pacpuf-snf | default · in composite | R22. PAC PUF SNF 2023. PDPM coding intensity vs acuity, stay length, charge markup. |
| chow risk | 23.5 | A | 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 | 0.2 | — | 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 | 0.4 | — | 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 | 66.5 | D | v0.3 | default · in composite | Deficiency-based, SNF population. Runs alongside v0.5-pos. |
| staffing risk | 15.0 | A | v0.3 | default · in composite | Cost-report staffing, SNF population. Runs alongside v0.4-pos, which covers ICF/IID from POS. |
| regulatory risk | 66.3 | D | 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 | 66.3 | D | 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 | 15.0 | 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 | 15.0 | 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)
0.4%
model v0.1 · computed 2026-07-29
Percentile among SNFs
50.1
100 = most likely to sell
Holdout AUC
0.874
evaluated before shipping, never refit
| Driver | Value | Pull on odds | |
|---|---|---|---|
| For-profit ownership | 0.00 | -1.24 | |
| Never sold on record | 1.00 | +0.62 | |
| Current owner tenure (years) | 25.00 | +0.57 | |
| Occupancy | 0.89 | -0.55 | |
| No PBJ staffing report | 0.00 | +0.42 | |
| Chain size (log) | 0.00 | -0.40 | |
| Contract staffing share | 0.22 | +0.24 | |
| Total nurse staffing (HPRD) | 4.10 | -0.21 |
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)
0.2%
model v0.1 · computed 2026-07-29
Percentile among SNFs
60.1
100 = most likely to lose certification
Holdout AUC
0.971
top decile caught 95% of actual exits
| Driver | Value | Pull on odds | |
|---|---|---|---|
| For-profit ownership | 0.00 | +1.62 | |
| Chain size (log) | 0.00 | +1.20 | |
| Occupancy | 0.89 | -0.59 | |
| Fine amount, 12m (log) | 9.68 | -0.53 | |
| Deficiencies, last 12 months | 10.00 | -0.43 | |
| No PBJ staffing report | 0.00 | +0.39 | |
| Total nurse staffing (HPRD) | 4.10 | -0.37 | |
| Contract staffing share | 0.22 | +0.16 |
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
16| 2025Q4 HPRD | This facility | MS median | National median | National p25–p75 |
|---|---|---|---|---|
| Total nurse | 4.10 | 3.68 | 3.28 | 2.90–3.77 |
| RN | 0.83 | 0.34 | 0.39 | 0.25–0.58 |
| Weekend total | 3.48 | 3.30 | 3.11 | — |
| Weekday total | 4.35 | 3.82 | 3.35 | — |
| Quarter | Days | Avg census | Total HPRD | RN | LPN | CNA | Weekend | Contract % |
|---|---|---|---|---|---|---|---|---|
| 2025Q4 | 92 | 128.8 | 4.10 | 0.83 | 1.06 | 2.22 | 3.48 | 21.8% |
| 2025Q3 | 92 | 121.9 | 4.13 | 0.93 | 0.99 | 2.21 | 3.40 | 22.9% |
| 2025Q2 | 91 | 119.7 | 3.97 | 0.93 | 1.01 | 2.03 | 3.29 | 18.6% |
| 2025Q1 | 90 | 120.5 | 4.01 | 0.95 | 1.06 | 2.00 | 3.36 | 14.5% |
| 2024Q4 | 92 | 112.7 | 4.20 | 1.00 | 1.12 | 2.08 | 3.52 | 15.0% |
| 2024Q3 | 92 | 119.0 | 4.12 | 0.90 | 1.08 | 2.13 | 3.44 | 16.9% |
| 2024Q2 | 91 | 116.7 | 4.08 | 0.87 | 1.11 | 2.10 | 3.55 | 16.6% |
| 2024Q1 | 91 | 116.3 | 3.73 | 0.80 | 0.99 | 1.94 | 3.23 | 22.3% |
| 2023Q4 | 92 | 115.4 | 3.97 | 0.87 | 1.01 | 2.10 | 3.44 | 17.7% |
| 2023Q3 | 92 | 121.5 | 3.92 | 0.86 | 1.07 | 1.99 | 3.42 | 15.7% |
| 2023Q2 | 91 | 128.4 | 0.61 | 0.04 | 0.13 | 0.44 | 0.63 | 100.0% |
| 2023Q1 | 90 | 129.3 | 4.05 | 0.76 | 1.20 | 2.10 | 3.54 | 15.8% |
| 2022Q4 | 92 | 126.4 | 4.01 | 0.65 | 1.25 | 2.11 | 3.41 | 18.5% |
| 2022Q3 | 92 | 125.1 | 4.21 | 0.67 | 1.40 | 2.14 | 3.53 | 24.1% |
| 2022Q2 | 91 | 127.4 | 4.02 | 0.67 | 1.29 | 2.06 | 3.42 | 22.0% |
| 2022Q1 | 90 | 118.0 | 4.09 | 0.70 | 1.23 | 2.17 | 3.41 | 17.8% |
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
1| Date | Type | Fine | Source |
|---|---|---|---|
| 2026-02-03 | Fine | $15,945 | CMS provider data |
Total fines on record: $15,945
Deficiencies
23C × 1D × 18E × 1F × 2J × 1
deficiencies by survey year
| Survey | Type | Tag | Deficiency | Scope | Corrected |
|---|---|---|---|---|---|
| 2026-02-03 | Health · complaint | F0689 | Ensure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents. | J | — |
| 2025-11-18 | Health | F0604 | Ensure that each resident is free from the use of physical restraints, unless needed for medical treatment. | D | 2025-12-13 |
| 2025-11-18 | 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 | 2025-12-13 |
| 2025-11-18 | Health | F0677 | Provide care and assistance to perform activities of daily living for any resident who is unable. | D | 2025-12-13 |
| 2025-11-18 | Health | F0689 | Ensure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents. | D | 2025-12-13 |
| 2025-11-18 | Health | F0693 | Ensure that feeding tubes are not used unless there is a medical reason and the resident agrees; and provide appropriate care for a resident with a feeding tube. | D | 2025-12-13 |
| 2025-11-18 | 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. | D | 2025-12-13 |
| 2025-11-18 | Health | F0808 | Ensure therapeutic diets are prescribed by the attending physician and may be delegated to a registered or licensed dietitian, to the extent allowed by State law. | D | 2025-12-13 |
| 2025-11-18 | Health | F0812 | Procure food from sources approved or considered satisfactory and store, prepare, distribute and serve food in accordance with professional standards. | F | 2025-12-13 |
| 2025-11-18 | Health | F0880 | Provide and implement an infection prevention and control program. | D | 2025-12-13 |
| 2024-03-25 | Health · complaint | F0600 | Protect each resident from all types of abuse such as physical, mental, sexual abuse, physical punishment, and neglect by anybody. | D | 2024-05-03 |
| 2023-12-15 | Health | F0550 | Honor the resident's right to a dignified existence, self-determination, communication, and to exercise his or her rights. | D | 2024-01-24 |
| 2023-12-15 | Health | F0558 | Reasonably accommodate the needs and preferences of each resident. | D | 2024-01-24 |
| 2023-12-15 | Health | F0565 | Honor the resident's right to organize and participate in resident/family groups in the facility. | E | 2024-01-24 |
| 2023-12-15 | 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. | C | 2024-01-24 |
| 2023-12-15 | 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 | 2024-01-24 |
| 2023-12-15 | Health | F0658 | Ensure services provided by the nursing facility meet professional standards of quality. | D | 2024-01-24 |
| 2023-12-15 | 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 | 2024-01-24 |
| 2023-12-15 | Health | F0692 | Provide enough food/fluids to maintain a resident's health. | D | 2024-01-24 |
| 2023-12-15 | Health | F0693 | Ensure that feeding tubes are not used unless there is a medical reason and the resident agrees; and provide appropriate care for a resident with a feeding tube. | D | 2024-01-24 |
| 2023-12-15 | Health | F0810 | Provide special eating equipment and utensils for residents who need them and appropriate assistance. | D | 2024-01-24 |
| 2023-12-15 | Health | F0812 | Procure food from sources approved or considered satisfactory and store, prepare, distribute and serve food in accordance with professional standards. | F | 2024-01-24 |
| 2022-08-25 | 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 | 2022-09-30 |
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
19| Owner | Role | Pct | From | Status | Source |
|---|---|---|---|---|---|
| BEALE, STEFANI | ADP OF THE SNF | — | 2025-04-14 | current | pecos_ownership |
| BRAZZLE, RUBY | TRUSTEE OF THE SNF | — | 2011-12-05 | current | pecos_ownership |
| DALY, JO HELEN | TRUSTEE OF THE SNF | — | 2011-12-15 | current | pecos_ownership |
| JOLLY, OLIVER | TRUSTEE OF THE SNF | — | 2009-09-16 | current | pecos_ownership |
| JOYNER, DALE | TRUSTEE OF THE SNF | — | 2020-01-15 | current | pecos_ownership |
| MCNAIR, SCOTT | CORPORATE OFFICER | — | 2016-01-01 | current | pecos_ownership |
| NESHOBA COUNTY GENERAL HOSPITAL | ADP OF THE SNF | — | 2009-10-22 | current | pecos_ownership |
| POSEY, MARSHALL | TRUSTEE OF THE SNF | — | 2016-04-20 | current | pecos_ownership |
| WARD, GLENDA | 5% OR GREATER INDIRECT OWNERSHIP INTEREST | — | 2024-08-01 | current | pecos_ownership |
| WARD, GLENDA | ADP OF THE SNF | — | 2025-02-10 | current | pecos_ownership |
| SCOTT MCNAIR | CORPORATE OFFICER | 100% | 2016-01-01 | ended 2026-05-18 | pecos_ownership |
| DALE JOYNER | TRUSTEE OF THE SNF | — | 2020-01-15 | ended 2026-05-18 | pecos_ownership |
| GLENDA WARD | 5% OR GREATER INDIRECT OWNERSHIP INTEREST | — | 2024-08-01 | ended 2026-05-18 | pecos_ownership |
| GLENDA WARD | ADP OF THE SNF | — | 2025-02-10 | ended 2026-05-18 | pecos_ownership |
| JO HELEN DALY | TRUSTEE OF THE SNF | — | 2011-12-15 | ended 2026-05-18 | pecos_ownership |
| MARSHALL POSEY | OPERATIONAL/MANAGERIAL CONTROL | — | 2016-04-20 | ended 2026-05-18 | pecos_ownership |
| OLIVER JOLLY | TRUSTEE OF THE SNF | — | 2009-09-16 | ended 2026-05-18 | pecos_ownership |
| RUBY BRAZZLE | TRUSTEE OF THE SNF | — | 2011-12-05 | ended 2026-05-18 | pecos_ownership |
| STEFANI BEALE | ADP OF THE SNF | — | 2025-04-14 | 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 — MS snf
12| Close | Facility | Price | $/bed | Cap rate | Beds | Buyer |
|---|---|---|---|---|---|---|
| 2025-06-01 | COURTYARD HEALTH AND REHABILITATION | — | — | — | 145 | 501 SOUTH LOCUST STREET OPCO LLC |
| 2025-06-01 | THE OAKS REHABILITATION AND HEALTHCARE CENTER | — | — | — | 82 | 3716 HIGHWAY 39 NORTH OPCO LLC |
| 2025-06-01 | MIDDLETON OAKS HEALTH AND REHABILITATION | — | — | — | 120 | 627 MIDDLETON ROAD OPCO LLC |
| 2025-06-01 | STARKVILLE MANOR HEALTH CARE AND REHABILITATION CE | — | — | — | 119 | 1001 HOSPITAL ROAD OPCO LLC |
| 2025-06-01 | GRAND TRACE HEALTH AND REHABILITATION | — | — | — | 96 | 555 JOHN R JUNKIN DRIVE OPCO LLC |
| 2025-01-01 | TREND HEALTH AND REHAB OF NATCHEZ, LLC | — | — | — | 80 | TREND HEALTH AND REHAB OF NATCHEZ, LLC |
| 2022-07-01 | PARKWAY HEALTH & REHAB LLC | — | — | — | 87 | PARKWAY HEALTH & REHAB LLC |
| 2022-04-01 | COASTAL HEALTH AND REHABILITATION CENTER | — | — | — | 180 | 1530 BROAD AVENUE OPERATIONS, LLC |
| 2022-04-01 | GREENBOUGH HEALTH AND REHABILITATION CENTER | — | — | — | 60 | 340 DESOTO AVENUE EXT OPERATIONS, LLC |
| 2022-04-01 | PASS CHRISTIAN HEALTH AND REHABILIATION CENTER | — | — | — | 60 | 538 MENGE AVENUE OPERATIONS, LLC |
| 2022-04-01 | DIVERSICARE OF SHELBY | — | — | — | 60 | DAC OF SHELBY, LLC |
| 2022-04-01 | PINE VIEW HEALTH AND REHABILITATION CENTER | — | — | — | 90 | 1304 WALNUT STREET OPERATIONS, LLC |
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
31| Geo | Kind | BR | Amount | As of | Source |
|---|---|---|---|---|---|
| county 28099 | acs median gross | 0 | $477 | 2024-12-31 | CENSUS_ACS5 |
| county 28099 | fmr | 0 | $727 | 2025-10-01 | HUD_USER_FMR |
| county 28099 | acs median gross | 1 | $488 | 2024-12-31 | CENSUS_ACS5 |
| county 28099 | fmr | 1 | $768 | 2025-10-01 | HUD_USER_FMR |
| county 28099 | acs median gross | 2 | $811 | 2024-12-31 | CENSUS_ACS5 |
| county 28099 | fmr | 2 | $842 | 2025-10-01 | HUD_USER_FMR |
| county 28099 | acs median gross | 3 | $1,022 | 2024-12-31 | CENSUS_ACS5 |
| county 28099 | fmr | 3 | $1,147 | 2025-10-01 | HUD_USER_FMR |
| county 28099 | acs median gross | 4 | $1,095 | 2024-12-31 | CENSUS_ACS5 |
| county 28099 | fmr | 4 | $1,354 | 2025-10-01 | HUD_USER_FMR |
| county 28099 | acs median gross | $839 | 2024-12-31 | CENSUS_ACS5 | |
| zcta 39350 | acs median gross | 1 | $490 | 2024-12-31 | CENSUS_ACS5 |
| zcta 39350 | acs median gross | 2 | $837 | 2024-12-31 | CENSUS_ACS5 |
| zcta 39350 | acs median gross | 3 | $1,015 | 2024-12-31 | CENSUS_ACS5 |
| zcta 39350 | acs median gross | 4 | $1,090 | 2024-12-31 | CENSUS_ACS5 |
| zcta 39350 | acs median gross | $836 | 2024-12-31 | CENSUS_ACS5 | |
| zip 39350 | payment standard 110 | 0 | $814 | 2025-10-01 | HUD_USER_SAFMR |
| zip 39350 | payment standard 90 | 0 | $666 | 2025-10-01 | HUD_USER_SAFMR |
| zip 39350 | safmr | 0 | $740 | 2025-10-01 | HUD_USER_SAFMR |
| zip 39350 | payment standard 110 | 1 | $847 | 2025-10-01 | HUD_USER_SAFMR |
| zip 39350 | payment standard 90 | 1 | $693 | 2025-10-01 | HUD_USER_SAFMR |
| zip 39350 | safmr | 1 | $770 | 2025-10-01 | HUD_USER_SAFMR |
| zip 39350 | payment standard 110 | 2 | $1,023 | 2025-10-01 | HUD_USER_SAFMR |
| zip 39350 | payment standard 90 | 2 | $837 | 2025-10-01 | HUD_USER_SAFMR |
| zip 39350 | safmr | 2 | $930 | 2025-10-01 | HUD_USER_SAFMR |
| zip 39350 | payment standard 110 | 3 | $1,287 | 2025-10-01 | HUD_USER_SAFMR |
| zip 39350 | payment standard 90 | 3 | $1,053 | 2025-10-01 | HUD_USER_SAFMR |
| zip 39350 | safmr | 3 | $1,170 | 2025-10-01 | HUD_USER_SAFMR |
| zip 39350 | payment standard 110 | 4 | $1,496 | 2025-10-01 | HUD_USER_SAFMR |
| zip 39350 | payment standard 90 | 4 | $1,224 | 2025-10-01 | HUD_USER_SAFMR |
| zip 39350 | safmr | 4 | $1,360 | 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.