← Back to Search
NOT VALIDATED
B & V EXPRESS LLC
5113 MAPLE AVE, MCALLEN, TX, 78501
CARRIER
Sign in required
You need a free LoadWrap account to run this check. Log in or register, it takes a minute.
Log in or register
Due-diligence certificate
11
Power Units
11
Drivers
0
Crashes (24-Month)
None on file
Insurance
Not Rated
Safety Rating
135
Inspections
Is this your company? Claim your profile →
Just researching? Create a free account →
Deep records on this carrier, only on LoadWrap
Public record
6 events tracked · latest Sep 16, 2026 ↓ Show details ↓Safety & compliance 5
- Aug 20, 2025Clean roadside inspection, no violations.
- Aug 9, 2025Roadside inspection, 2 violations (no OOS).
- Aug 5, 2025Roadside inspection, 1 violation (no OOS).
- Aug 5, 2025Clean roadside inspection, no violations.
- Apr 29, 2025DISCONTINUED REVOCATION COMMON.
Insurance 1
- CurrentNo active insurance on file.
Public FMCSA record · blue clean · orange change · red risk.
Company Information
Legal NameB & V EXPRESS LLC
DOT Number3705647
MC Number1298428
Entity TypeCarrier
Operating StatusA - Active
LocationMcallen, Texas
Added08/20/2021
MCS-15005/01/2025
Contact Details
PhoneSign in to view
EmailSign in to view
Physical Address5113 MAPLE AVE, MCALLEN, TX, 78501
Mailing Address5113 MAPLE AVE, MCALLEN, TX, 78501
Operating Authorities
Authority TypeAUTHORIZED FOR HIRE
Carrier OperationA - Interstate
DocketMC1298428
CommonActive
ContractNot Active
BrokerNot Active
Operating4 years
Operation Classification
Authorized For Hire
SMS BASIC Scores
FMCSA safety categories, last 24 months. Above Cutoff = FMCSA flags a problem · Below cutoff = within limits · Clean = no violations.
Unsafe Driving
measure .78 · 6 insp with violations
Below cutoff
Hours-of-Service Compliance
measure 2.21 · 20 insp with violations
Below cutoff
Driver Fitness
measure .14 · 1 insp with violations
Below cutoff
Controlled Substances / Alcohol
measure 0 · 0 insp with violations
Clean
Vehicle Maintenance
measure 2.91 · 21 insp with violations
Below cutoff
Source: FMCSA SMS, updated monthly.
Mileage
Annual Mileage1,120,559 miles
Mileage Year2024
VMT SourceMCS-150 Form
Drivers
11
Interstate
0
Intrastate
0
CDL
11
Total
Interstate >100mi0
Interstate <100mi0
Intrastate >100mi0
Intrastate <100mi0
Equipment
No equipment breakdown on file with FMCSA.
HazMatYes
Safety Summary
Safety RatingNot Rated
Total Crashes (24-mo)0
Fatal0
Driver OOS14.9% avg 5.5%
Vehicle OOS21.3% avg 20.7%
SmartWay PartnerNo
Last Review08/21/2024
Insurance
AmountNone on file
Type91X
VerifiedFMCSA · 09/04/2026
CompanyNATIONAL LIABILITY & FIRE INS CO.
Policy #73TRB006084
Last checked09/16/2026
Quick Facts
StatusActive
TypeCarrier
Fleet11 units
Drivers11
Mileage1,120,559 mi
Operating4 years
MCS-15005/2025
Safety & Inspection Data
Crash Summary
Total Crashes (24-mo)0
Fatal0
Injury0
Tow-Away0
Driver Inspections
Total74
Out of Service11
OOS Rate14.9%
National Avg5.5%
Above National Average
Vehicle Inspections
Total61
Out of Service13
OOS Rate21.3%
National Avg20.7%
Above National Average
HazMat Inspections
Total1
OOS0
OOS Rate0.0% (avg 4.5%)
Last FMCSA Review: 08/21/2024
Safety Trends by Year
Roadside inspections and crashes on file, year over year. The red portion of each inspection bar is the out-of-service share; ▲/▼ compares to the prior year.
Inspections · red = OOS
2023
11 · 8 OOS -
2024
58 · 17 OOS ▲
2025
42 · 11 OOS ▼
Crashes
2023
2 crashes -
2024
0 crashes ▼
2025
0 crashes =
Based on FMCSA crash and roadside inspection records (rolling 3-year window). The latest year may be partial.
Out-of-Service Summary Last 24 months
Live FMCSA roadside inspections through Aug 2025, 60 inspections, 16 resulted in out-of-service (26.7% OOS rate).
Driver Out-of-Service
11 OOS
Vehicle Out-of-Service
12 OOS
Live FMCSA roadside inspection records, refreshed monthly.
Crash Records (2)
Full crash history on file (all years), newest first. This list may show more than the headline Crashes figure above, because that figure follows the official FMCSA 24-month SMS window used for the Trust Score, older crashes still appear here for transparency.
| Date | Location | State | Fatal | Injuries | Tow | Vehicles | Weather | Road | Light |
|---|---|---|---|---|---|---|---|---|---|
| 12/20/2023 | PHARR | TX | 0 | 0 | 1 | 4 | Clear | Dry | Daylight |
| 11/15/2023 | ORANGEBURG | SC | 0 | 0 | 1 | 3 | Clear | Dry | Dark - Unknown |
Roadside Violations by Safety Category Last 24 months
96 roadside violations across 60 inspections, grouped into FMCSA safety-behavior categories. The shaded portion shows how many were serious enough to result in an out-of-service order.
ViolationsOut-of-service
Hours-of-Service (HOS) Compliance
52 violations · 10 OOS
Vehicle Maintenance
27 violations · 10 OOS
Unsafe Driving
16 violations · 2 OOS
Driver Fitness
1 violation · 1 OOS
Categories follow FMCSR violation parts (Part 393/396 = Vehicle Maintenance, Part 395 = HOS; "Other" = general/administrative parts such as 390). Raw violation counts and out-of-service results, not FMCSA percentile rankings, which are not published for property carriers.
Inspection Records (100)
| Date | State | Level | Location | Violations | OOS | Driver Viol | Driver OOS | Vehicle Viol | Vehicle OOS | HazMat | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 08/20/2025 | MS | Full (Level I) | NEWTON COUNTY | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 08/09/2025 | MO | Driver-Only (Level III) | ROCK PORT MO | 2 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 08/05/2025 | MS | Walk-Around (Level II) | I-20 E | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 08/05/2025 | TN | Full (Level I) | STANTON TN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 07/31/2025 | TX | Driver-Only (Level III) | FM 493 & FM 2812 | 1 | 0 | 1 | 0 | 0 | 0 | - | ▲Detail |
| 07/25/2025 | CO | Full (Level I) | PUEBLO CO | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 07/24/2025 | IL | Walk-Around (Level II) | I55/70 | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 06/27/2025 | IL | Walk-Around (Level II) | 033 - WILLIAMSVILLE - I-55 S/B | 3 | 2 | 0 | 1 | 0 | 1 | - | ▲Detail |
| 06/24/2025 | PA | Driver-Only (Level III) | ON I-476 N 150 FEET WEST OF MO | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 06/23/2025 | TX | Walk-Around (Level II) | IH 35 NB MILE MARKER | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 06/18/2025 | AL | Walk-Around (Level II) | ALABASTER AL | 5 | 2 | 0 | 0 | 0 | 2 | - | ▲Detail |
| 06/12/2025 | TN | Full (Level I) | MEMPHIS TN | 1 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 06/06/2025 | AL | Full (Level I) | GRAYSVILLE AL | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 06/04/2025 | TX | Walk-Around (Level II) | IH10 WB | 2 | 0 | 1 | 0 | 1 | 0 | - | ▲Detail |
| 05/30/2025 | KS | Full (Level I) | NEOSHO COUNTY - 133 | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 05/21/2025 | TN | Full (Level I) | STANTON TN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 05/19/2025 | TN | Full (Level I) | STANTON TN | 1 | 1 | 0 | 0 | 0 | 1 | - | ▲Detail |
| 05/19/2025 | TN | Full (Level I) | CLARKSVILLE TN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 05/18/2025 | TX | Walk-Around (Level II) | US77 | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 05/15/2025 | OK | Full (Level I) | LOVE PORT OF ENTRY | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 05/08/2025 | TN | Full (Level I) | KNOXVILLE TN | 2 | 1 | 0 | 0 | 0 | 1 | - | ▲Detail |
| 05/05/2025 | NY | Walk-Around (Level II) | BATAVIA NY | 6 | 2 | 0 | 1 | 0 | 1 | - | ▲Detail |
| 04/22/2025 | AL | Full (Level I) | ELBA AL | 1 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 04/19/2025 | TN | Full (Level I) | BURNS TN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 04/18/2025 | LA | Driver-Only (Level III) | MINDEN LA | 1 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 04/05/2025 | TX | Walk-Around (Level II) | IH 10 MP 403 | 2 | 0 | 0 | 0 | 2 | 0 | - | ▲Detail |
| 03/31/2025 | NY | Full (Level I) | CLIFTON PARK NY | 2 | 1 | 0 | 0 | 0 | 1 | - | ▲Detail |
| 03/28/2025 | TN | Full (Level I) | INTERSTATE 75 | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 03/18/2025 | TX | Walk-Around (Level II) | FM1017 | 3 | 1 | 2 | 1 | 1 | 0 | - | ▲Detail |
| 03/11/2025 | TX | Walk-Around (Level II) | 3182 US87 NB | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 03/09/2025 | GA | Driver-Only (Level III) | LAGRANGE GA | 9 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 03/08/2025 | TN | Full (Level I) | INTERSTATE 40 | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 03/07/2025 | IL | Driver-Only (Level III) | I-80 EB | 3 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 02/28/2025 | TN | Full (Level I) | STANTON TN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 02/27/2025 | TN | Full (Level I) | STANTON TN | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 02/27/2025 | TN | Full (Level I) | ARDMORE TN | 1 | 1 | 0 | 0 | 0 | 1 | - | ▲Detail |
| 02/25/2025 | FL | Driver-Only (Level III) | MILTON FL | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 02/24/2025 | OH | Walk-Around (Level II) | NEW SPRINGFIELD OH | 8 | 1 | 0 | 1 | 0 | 0 | - | ▲Detail |
| 02/03/2025 | MO | Full (Level I) | ELDON MO | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 01/24/2025 | GA | Driver-Only (Level III) | WACO GA | 1 | 1 | 0 | 1 | 0 | 0 | - | ▲Detail |
| 01/22/2025 | AZ | Walk-Around (Level II) | SAN SIMON AZ | 4 | 3 | 0 | 1 | 0 | 2 | - | ▲Detail |
| 01/06/2025 | TN | Full (Level I) | HAYWOOD COUNTY SCALES WB | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 12/31/2024 | MS | Walk-Around (Level II) | I-20 E | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 12/30/2024 | NC | Full (Level I) | US421 AT REST AREA | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 12/20/2024 | LA | Driver-Only (Level III) | JENNINGS LA | 2 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 12/19/2024 | AL | Full (Level I) | ROADSIDE | 4 | 0 | 4 | 0 | 0 | 0 | - | ▲Detail |
| 12/17/2024 | TX | Walk-Around (Level II) | US281 SB FALFURRIAS SCALE | 4 | 1 | 1 | 1 | 3 | 0 | - | ▲Detail |
| 12/11/2024 | NV | Driver-Only (Level III) | I11 / MM 11 | 3 | 1 | 3 | 1 | 0 | 0 | - | ▲Detail |
| 12/02/2024 | MI | Driver-Only (Level III) | NICHOLS RD | 2 | 1 | 2 | 1 | 0 | 0 | - | ▲Detail |
| 11/19/2024 | KS | Full (Level I) | OLATHE SOUTH M.C.I.S. #24W | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 11/14/2024 | TN | Full (Level I) | HAYWOOD COUNTY SCALES EB | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 11/12/2024 | MO | Full (Level I) | JOPLIN MO | 15 | 3 | 0 | 2 | 0 | 1 | - | ▲Detail |
| 11/08/2024 | LA | Full (Level I) | LA | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 11/06/2024 | NC | Full (Level I) | LUMBERTON WEIGH STATION, I-95, | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 11/04/2024 | MS | Full (Level I) | US 61 N | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 10/31/2024 | TN | Full (Level I) | ARDMORE TN | 2 | 1 | 0 | 0 | 0 | 1 | - | ▲Detail |
| 10/28/2024 | TX | Walk-Around (Level II) | IH45 NB NEW WAVERLY SCALE | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 10/19/2024 | NM | Full (Level I) | ANTHONY PORT OF ENTRY | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 10/18/2024 | LA | Full (Level I) | LA | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 10/17/2024 | MO | Full (Level I) | SILVA MO | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 09/11/2024 | KY | Full (Level I) | LONDON | 1 | 1 | 0 | 0 | 1 | 1 | - | ▲Detail |
| 09/10/2024 | OK | Full (Level I) | I-35 N/B AND MM110 | 2 | 0 | 1 | 0 | 1 | 0 | - | ▲Detail |
| 09/06/2024 | IA | Walk-Around (Level II) | 39 - I35 SB MM 212 NORTHWOOD | 3 | 2 | 0 | 0 | 3 | 2 | - | ▲Detail |
| 08/29/2024 | MO | Full (Level I) | STEELE MO | 2 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 08/20/2024 | TN | Full (Level I) | KNOXVILLE TN | 1 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 08/14/2024 | FL | Driver-Only (Level III) | YULEE FL | 2 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 07/30/2024 | VA | Full (Level I) | BRODNAX VA | 4 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 07/27/2024 | NC | Full (Level I) | MT. AIRY WEIGH STATION N | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 07/27/2024 | NC | Full (Level I) | 95 | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 07/15/2024 | TX | Walk-Around (Level II) | US281 SB FALFURRIAS SCALE | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 07/04/2024 | AZ | Full (Level I) | SAN SIMON AZ | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 07/02/2024 | AZ | Walk-Around (Level II) | EHRENBERG AZ | 5 | 2 | 0 | 0 | 0 | 2 | - | ▲Detail |
| 06/19/2024 | AZ | Driver-Only (Level III) | EHRENBERG AZ | 3 | 1 | 0 | 1 | 0 | 0 | - | ▲Detail |
| 06/13/2024 | AZ | Walk-Around (Level II) | CASA GRANDE AZ | 2 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 05/28/2024 | TN | Full (Level I) | GILES COUNTY | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 05/28/2024 | AL | Full (Level I) | ROADSIDE | 1 | 0 | 0 | 0 | 1 | 0 | - | ▲Detail |
| 05/24/2024 | TX | Walk-Around (Level II) | US281 SB FALFURRIAS SCALE | 5 | 2 | 0 | 0 | 5 | 2 | - | ▲Detail |
| 05/21/2024 | NM | Full (Level I) | LORDSBURG PORT OF ENTRY | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 05/03/2024 | NC | Driver-Only (Level III) | HALIFAX WEIGH STATION, I-95, N | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 05/01/2024 | TX | Full (Level I) | IH-0010 IN JEFFERSON CO. (831- | 10 | 3 | 0 | 0 | 10 | 3 | - | ▲Detail |
| 04/25/2024 | TN | Full (Level I) | HUMPHREYS COUNTY | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 04/23/2024 | MO | Full (Level I) | BOLIVAR MO | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 04/10/2024 | TN | Full (Level I) | STANTON TN | 4 | 2 | 0 | 1 | 0 | 1 | - | ▲Detail |
| 04/09/2024 | OK | Full (Level I) | ROLAND SCALE S | 2 | 2 | 0 | 0 | 2 | 2 | - | ▲Detail |
| 04/07/2024 | IL | Walk-Around (Level II) | I-57 NORTH | 2 | 1 | 0 | 0 | 0 | 1 | - | ▲Detail |
| 04/03/2024 | AZ | Walk-Around (Level II) | CASA GRANDE AZ | 6 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 03/20/2024 | NM | Full (Level I) | ANTHONY PORT OF ENTRY | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 03/12/2024 | AZ | Driver-Only (Level III) | BENSON AZ | 1 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 03/12/2024 | KY | Full (Level I) | MOREHEAD | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 02/27/2024 | TN | Full (Level I) | I-24 COFFEE COUNTY SCALES | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 02/21/2024 | MO | Full (Level I) | FREDERICKTOWN MO | 3 | 1 | 0 | 1 | 0 | 0 | - | ▲Detail |
| 02/13/2024 | KY | Full (Level I) | EDDYVILLE | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 02/10/2024 | MO | Full (Level I) | CHARLESTON MO | 2 | 1 | 0 | 1 | 0 | 0 | - | ▲Detail |
| 02/05/2024 | NC | Full (Level I) | I-95 SB | 2 | 1 | 1 | 0 | 1 | 1 | - | ▲Detail |
| 02/01/2024 | AZ | Full (Level I) | TUCSON AZ | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 01/24/2024 | AR | Driver-Only (Level III) | VAN BUREN COUNTY | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 01/24/2024 | FL | Full (Level I) | CRESTVIEW FL | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 01/21/2024 | TX | Walk-Around (Level II) | COTULLA REST AREA MM | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 01/18/2024 | TX | Full (Level I) | IH 10 WESTBOUND WINNIE | 0 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
| 01/05/2024 | MO | Full (Level I) | JOPLIN MO | 1 | 0 | 0 | 0 | 0 | 0 | - | ▲Detail |
Detailed Inspection Report
Safety Performance Percentiles
FMCSA SMS percentile rankings. Higher percentile = worse performance relative to peers.
Total Inspections66
Unsafe Driving
6 viols
HOS Compliance
20 viols
Driver Fitness
1 viols
Vehicle Maintenance
21 viols
Licensing & Insurance
| Form | Type | Insurance Company | Policy | Coverage | Effective | Cancel Date | Method |
|---|---|---|---|---|---|---|---|
| 91X | BIPD/Primary | SOUTHWIND RISK RETENTION GROUP INC | SWR-TX-0001814-24 | $750,000 | 09/14/2024 | 05/01/2025 | Cancelled |
| 91X | BIPD/Primary | SOUTHWIND RISK RETENTION GROUP INC | SWR-TX-0001814-23 | $750,000 | 09/14/2023 | 09/14/2024 | Cancelled |
| 91X | BIPD/Primary | PROGRESSIVE COUNTY MUTUAL | CA02980635 | $750,000 | 09/14/2021 | 09/14/2023 | Replaced |
| 91X | BIPD/Primary | NATIONAL LIABILITY & FIRE INS CO. | 73TRB006084 | $750,000 | 05/01/2025 | 04/26/2025 | Replaced |
No active insurance policies.
| Docket | Type | Action | Served | Disposition | Disp Date |
|---|---|---|---|---|---|
| MC1298428 | MOTOR PROPERTY COMMON CARRIER | GRANTED | 09/22/2021 | - | - |
| MC1298428 | COMMON | INVOLUNTARY REVOCATION | 08/19/2024 | DISCONTINUED REVOCATION | 09/12/2024 |
| MC1298428 | COMMON | INVOLUNTARY REVOCATION | 04/04/2025 | DISCONTINUED REVOCATION | 04/29/2025 |
No revocation records.
Stay ahead of changes
You are checking B & V EXPRESS LLC today. We can keep watching them for you.
Authority gets revoked, insurance lapses, and a company that looks clean today can change overnight. Create an account, add this company to your list,
and the moment their authority, insurance, safety or contact details change, you see it on your dashboard, or get it by email with Pro.
Add them to your list
Keep this company and every partner you vet in one place you can come back to.
Get a change alert
The moment authority, insurance or safety status moves, you hear about it first.
See the full history
Trust Score over time and the complete authority and insurance timeline, not just today.