2013 FTC Consumer Sentinel Report - Identity Theft By U.S. City

Each year the Federal Trade Commission publishes a detailed report on the Fraud and Identity Theft complaints they received during the previous year, not just at the FTC, but throughout their Consumer Sentintel Network.

Some of the leading members of that network include the Better Business Bureau and the FBI's Internet Crime and Complaint Center (IC3.gov).

You can review the entire 2013 Consumer Sentinel Network Data Book on your own if you want to look up more about your state.

Just like last year, fraud that began by telephone/telemarketing was the top category, but 33% of all Fraud complaints started with an email!

Complaints by category were:

14% - Identity Theft
10% - Debt Collection Fraud
7% - Banks and Lenders
6% - Imposter Scams
6% - Telephone and Mobile Service Scams
4% - Prizes, Sweepstakes and Lottery Scams
4% - Auto-related Fraud
3% - Shop-at-home and Catalog Sales fraud
3% - Television and Electronic Media fraud
2% - Advanced Payment for Credit Services fraud

In the Fraud categories, over 1 million complaints were filed including $1.6 billion in fraud, where the median reported amount paid was $400. (Only 61% of those alleging fraud stated a loss amount.)

Within the category of Identity Theft, the top categories were:

34% - government documents/benefits fraud
17% - Credit Card Fraud
14% - Phone/Utilities Fraud
8% - Bank Fraud
6% - Employment-related Fraud
4% - Loan Fraud

In 2012, there were 369,145 Identity Theft Complaints registered by Consumer Sentinel.
In 2013, there were 290,056 Identity Theft Complaints.

That's a 21.5% reduction in Identity Theft Complaints! Does this indicate that Identity Theft improved from 2012 to 2013? Or does it indicate that Identity Theft has become so common place that people don't get irate and call the Better Business Bureau or the FTC when it occurs?

Wire Transfer Tops the Fraud Losses List

American consumers are just DESPARATE to throw their money away in Wire Transfers. Even though every wire transfer place I've visited in the last two years has big warning signs about the various forms of fraud involving sending your money away in a wire transfer, it continues to be the top way in which fraudsters separate their victims from their money.

YEAR	Complaints	Money Wired Out
2011	115,901	$438,343,577
2012	109,138	$456,541,454
2013	104,984	$507,713,984

Western Union and MoneyGram both have warning pages to help protect consumers! Follow their advice to not lose the average $4836 that more than 100,000 complained about last year!

Western Union has Eight Tips at their Knowledge Center:

1. Never send money to people you haven't met in-person
2. Never send money to pay for taxes or fees on lottery or prize winnings
3. Never use a test question as an additional security measure to protect your transaction
4. Never provide your banking information to people you don't know
5. Never send money in advance to obtain a loan or credit card
6. never send money for an emergency situation without verifying that it's a real emergency. (Gee - like a London Traveler Scam?)
7. Never send funds from a check in your account until it officially clears - which can take weeks
8. Never send a money transfer for an online purchase

MoneyGram has a great page called The 11 Most Common Wire Transfer Frauds that include:

1. The Vehicle Purchase Scam
2. The Fake Loan Scam
3. The Lottery or Sweepstakes Scam
4. The Internet Romance Scam
5. The Mystery Shopper Scam
6. The Charity Scam
7. The Relative in Need Scam
8. The Internet Purchase Scam
9. The Newspaper Ads Scam
10. The Check or Money Order Scam
11. The Elder Abuse Scam

They even have a nice Dodge the Scams Game to help you get it down pat!

Green Dot MoneyPak

In the most significant change in fraud payment behavior, this year 28% of fraud losses occurred via Prepaid cards, which was almost exclusively Green Dot Money cards. Two years ago this category of fraud losses didn't even exist! From 2012 to 2013 the number of victims went up 500% and the amount of money lost went up 600%!!

YEAR	Complaints	Prepaid Card Fraud Losses
2011	10	$9,054
2012	16,914	$6,946,619
2013	84,671	$42,858,396

(image from DotFab.com, click to visit)

How much of this fraud was due to the CryptoLocker and PoliceLock Ransomware? We can't be sure, but this is a PROFOUND shift in fraud loss behavior and a great deal of it is certain to be based on those two malware campaigns. We blogged about CryptoLocker using Greendot late in the year in our story Tracking CryptoLocker with Malcovery and IID, but the FBI's Donna Gregory reported on the malware as far back as this August 2012 FBI Ransomware Story where she said "We’re getting inundated with complaints!" referring to the complaints coming in to the FBI's IC3.gov complaint form, which is one source of Consumer Sentinel Data.

2013 - Top Cities for Identity Theft

Last year, 16 of the top 25 Identity Theft Metropolitan area were in Florida. This year it has fallen to 13.

13 of top 25 in Florida (16 in 2012)
4 of top 25 in California (0 in 2012)
3 of top 25 in Georgia (6 in 2012)
1 each in Alabama, Arkansas, Michigan, Tenessee, and West Virginia

Rank	Metro/Micropolitan Area	Per 100,000
1	Miami-FortLauderdale-WestPalmBeach, FL	340.4
2	Columbus, GA-AL	214.7
3	Naples-Immokalee-MarcoIsland, FL	214
4	Jonesboro, AR	190.9
5	Tallahassee, FL	179.4
6	CapeCoral-FortMyers, FL	174.9
7	Atlanta-SandySprings-Roswell, GA	170.7
8	PortSt.Lucie, FL	163.9
9	Beckley, WV	160.9
10	Tampa-St.Petersburg-Clearwater, FL	155.5
11	Orlando-Kissimmee-Sanford, FL	149.6
12	Detroit-Warren-Dearborn, MI	142.9
13	Lakeland-WinterHaven, FL	140.2
14	Stockton-Lodi, CA	133.1
15	Montgomery, AL	132.2
16	Vallejo-Fairfield, CA	128.2
17	Jacksonville, FL	125.7
18	Memphis, TN-MS-AR	125.5
19	Valdosta, GA	125.4
20	Ocala, FL	125
21	Gainesville, FL	122.6
22	Sebastian-VeroBeach, FL	122.4
23	LosAngeles-LongBeach-Anaheim, CA	119.1
24	Deltona-DaytonaBeach-OrmondBeach, FL	118.9
25	Fresno, CA	118.2
26	Albany, GA	117.6
27	SanFrancisco-Oakland-Hayward, CA	116.8
28	NorthPort-Sarasota-Bradenton, FL	116.6
29	Bakersfield, CA	116.5
30	Macon, GA	116.2
31	Riverside-SanBernardino-Ontario, CA	115.2
32	Savannah, GA	115.1
33	PuntaGorda, FL	115
34	Dallas-FortWorth-Arlington, TX	114.8
35	Crestview-FortWaltonBeach-Destin, FL	112.4
36	PalmBay-Melbourne-Titusville, FL	111.3
37	Flint, MI	109.7
38	Lynchburg, VA	108.1
39	Jackson, MS	107.4
40	Washington-Arlington-Alexandria, DC-VA-MD-WV	106.3
41	HomosassaSprings, FL	105.5
42	Niles-BentonHarbor, MI	105.2
43	Houston-TheWoodlands-SugarLand, TX	104.7
44	Fayetteville, NC	102.9
45	Sacramento--Roseville--Arden-Arcade, CA	101.3
46	Modesto, CA	101.1
47	Phoenix-Mesa-Scottsdale, AZ	101.1
48	LasVegas-Henderson-Paradise, NV	100.8
49	Chicago-Naperville-Elgin, IL-IN-WI	100.4
50	Killeen-Temple, TX	99.4
51	Auburn-Opelika, AL	98.4
52	NewYork-Newark-JerseyCity, NY-NJ-PA	97.7
53	SanJose-Sunnyvale-SantaClara, CA	96.4
54	Reno, NV	96.1
55	Philadelphia-Camden-Wilmington, PA-NJ-DE-MD	95.5
56	Chico, CA	95.5
57	Napa, CA	94.5
58	Pueblo, CO	94.3
59	Baltimore-Columbia-Towson, MD	93.4
60	SanDiego-Carlsbad, CA	93.4
61	Milwaukee-Waukesha-WestAllis, WI	92.8
62	Madera, CA	92.8
63	RockyMount, NC	92.5
64	Laredo, TX	92.3
65	Beaumont-PortArthur, TX	92
66	Denver-Aurora-Lakewood, CO	92
67	Cleveland-Elyria, OH	91.7
68	SantaCruz-Watsonville, CA	89.6
69	Brownsville-Harlingen, TX	89.4
70	Goldsboro, NC	88.9
71	Mobile, AL	88.6
72	Merced, CA	88.4
73	SantaMaria-SantaBarbara, CA	88.2
74	AnnArbor, MI	88.2
75	Tucson, AZ	87.9
76	Augusta-RichmondCounty, GA-SC	87.8
77	AtlanticCity-Hammonton, NJ	87.4
78	Redding, CA	86.9
79	Greenville-Anderson-Mauldin, SC	86.6
80	Athens-ClarkeCounty, GA	86.2
81	McAllen-Edinburg-Mission, TX	85.6
82	CorpusChristi, TX	85.5
83	BatonRouge, LA	85.4
84	SierraVista-Douglas, AZ	85.3
85	Austin-RoundRock, TX	85.2
86	Florence, SC	85.1
87	Albuquerque, NM	85
88	Boulder, CO	84.9
89	Pensacola-FerryPass-Brent, FL	84.9
90	ColoradoSprings, CO	84
91	California-LexingtonPark, MD	83.7
92	Dalton, GA	83.7
93	Hattiesburg, MS	83.3
94	SanAntonio-NewBraunfels, TX	83.2
95	WarnerRobins, GA	83
96	Oxnard-ThousandOaks-Ventura, CA	82.8
97	Trenton, NJ	82.7
98	Houma-Thibodaux, LA	82.6
99	Dover, DE	82.6
100	St.Louis, MO-IL	82.1

Alabama Identity Theft: 2012 compared to 2013

Forgive me, dear reader, for focusing on my own state just this once . . .

In 2012, Alabama's top cities for Identity Theft, and their Per Capita complaints received, were:

#15 - Columbus, GA/AL (205.9 per 100,000)
#16 - Montgomery, AL (203.7 per 100,000)
#42 - Auburn-Opelika, AL (124.1 per 100,000)
#62 - Birmingham-Hoover, AL (111 per 100,000)
#91 - Enterprise-Ozark, AL (97.8 per 100,000)
#97 - Huntsville, AL (95.5 per 100,000)
#100 - Mobile, AL (93.5 per 100,000)
#118 - Anniston-Oxford, AL (90.2 per 100,000)
#125 - Tuscaloosa, AL (88.4 per 100,000)
#132 - Dothan, AL (87.2 per 100,000)
#145 - Gadsden, AL (84.3 per 100,000)
#195 - Decatur, AL (72.8 per 100,000)
#198 - Daphne-Fairhope-Foley, AL (72.4 per 100,000)
#303 - Florence-Muscle Shoals, AL (56.4 per 100,000)

How does that compare to 2013's numbers?

The Columbus, Georgia/Alabama Metro area rose 13 places in the national rank to be the second worst city in America for Identity Theft.
Montgomery, Alabama had a very slight rise in rank (from #16 to #15), although the number of complaints per capita fell, it is still one of the worst cities in America for Identity Theft.
Mobile, Alabama rose in rank by 29 places, moving from #100 to #71.

All other cities in Alabama FELL in their national rank for Identity Theft -- but one must ask, as above, is that because crime is declining? or is apathy increasing? Have we become so desensitized to Identity Theft that we no longer feel the need to complain?

#2 +13 - Columbus, GA-AL (214.7 per 100,000) = +8.8 per 100,000
#15 +1 - Montgomery, AL (132.2) = -71.5 per 100,000
#51 -9 - Auburn-Opelika, AL (98.4) = -25.7 per 100,000
#71 +29 - Mobile, AL (88.6) = -4.9. per 100,000
#117 -55 - Birmingham-Hoover, AL (77.7) = -33.3 per 100,000
#131 +1 - Dothan, AL (74.8) = -12.4 per 100,000
#152 -55 - Huntsville, AL (68.5) = -27 per 100,000
#167 -42! - Tuscaloosa, AL (65.2) = -23.2 per 100,000
#226 -81! - Gadsden, AL (57.5)
#234 -116! - Anniston-Oxford-Jacksonville, AL(56.5)
#268 -70! - Daphne-Fairhope-Foley, AL (52.1)
#316 -121! - Decatur, AL (44.2)
#357 -54! - Florence-MuscleShoals, AL (36.7) -

Do YOU Know How to File an Identity Theft, Fraud, or Phishing Complaint?

If someone scammed you out of your money or stole your identity, that is a CRIME! What should you do? CALL THE POLICE!

But there are some other guidelines as well.

The Federal Trade Commission has two web pages that help you understand what to do if you have been the victim of identity theft:

FTC: What to do if you have been a victim of Identity Theft
FTC: How to file an Identity Theft Complaint with the FTC

FTC: March 2-8 is National Consumer Protection Week - tips and videos you can share with your friends are on this site!

You STILL want to call your local Police to let them know about the crimes against you. If someone stole YOUR identity or scammed you, they are likely targeting others as well! Besides your local law enforcement, it would be helpful if you could take the time to share what happened to you with the FBI Internet Crime & Complaint Center (ic3.gov). This unique center in West Virginia gathers hundreds of thousands of cybercrime complaints per year into a database that can be accessed by law enforcement across the country. Perhaps you will only be another drop in the bucket, but you MAY provide the missing link that ties many smaller losses together into a major investigation!

For PHISHING EMAILS, be sure to report that phish to Malcovery's PhishIQ system! By sending us the address of that suspicious or fake bank website, our automated systems will preserve forensic evidence about the phishing website and work on linking it to other websites that may have been created by the same criminal!

Appendix: The rest of the list (Top Identity Theft Cities by Rank)

101	NewOrleans-Metairie, LA	82
102	Charlotte-Concord-Gastonia, NC-SC	81.7
103	Prescott, AZ	81.5
104	SantaFe, NM	81.2
105	Tyler, TX	80.6
106	VirginiaBeach-Norfolk-NewportNews, VA-NC	80.4
107	Monroe, MI	80.3
108	LittleRock-NorthLittleRock-Conway, AR	80.2
109	Gainesville, GA	80.1
110	Hammond, LA	80.1
111	Bridgeport-Stamford-Norwalk, CT	80.1
112	LakeHavasuCity-Kingman, AZ	78.9
113	Seattle-Tacoma-Bellevue, WA	78.4
114	OklahomaCity, OK	77.9
115	Columbia, SC	77.8
116	Vineland-Bridgeton, NJ	77.8
117	Birmingham-Hoover, AL	77.7
118	ElPaso, TX	77.4
119	Muskegon, MI	77.2
120	NewHaven-Milford, CT	77.2
121	Midland, TX	76.9
122	Burlington, NC	76.8
123	Spokane-SpokaneValley, WA	76.7
124	Odessa, TX	76.6
125	HiltonHeadIsland-Bluffton-Beaufort, SC	75.9
126	Indianapolis-Carmel-Anderson, IN	75.3
127	Yakima, WA	75.2
128	Concord, NH	75.1
129	SanLuisObispo-PasoRobles-ArroyoGrande, CA	74.9
130	Reading, PA	74.9
131	Dothan, AL	74.8
132	Brunswick, GA	74.8
133	Lumberton, NC	74.5
134	Allentown-Bethlehem-Easton, PA-NJ	74.3
135	Wichita, KS	74.2
136	Charleston-NorthCharleston, SC	73.7
137	Richmond, VA	73.1
138	Akron, OH	72.4
139	KansasCity, MO-KS	71.9
140	Racine, WI	71.6
141	Rockford, IL	71.5
142	Scranton--Wilkes-Barre--Hazleton, PA	71.5
143	SantaRosa, CA	70.9
144	Topeka, KS	70.6
145	Dayton, OH	70.4
146	Spartanburg, SC	69.9
147	Salinas, CA	69.9
148	Shreveport-BossierCity, LA	69.8
149	Show Low, AZ	69.8
150	YubaCity, CA	69.5
151	PanamaCity, FL	68.8
152	Huntsville, AL	68.5
153	FortCollins, CO	68.4
154	Raleigh, NC	68.4
155	Portland-Vancouver-Hillsboro, OR-WA	68.1
156	Durham-ChapelHill, NC	67.8
157	Charleston, WV	67.4
158	Greeley, CO	66.8
159	Medford, OR	66.4
160	Yuma, AZ	66.4
161	Gulfport-Biloxi-Pascagoula, MS	66.4
162	Wilmington, NC	66.3
163	Springfield, MA	65.8
164	Columbus, OH	65.7
165	NewBern, NC	65.5
166	Boston-Cambridge-Newton, MA-NH	65.4
167	Tuscaloosa, AL	65.2
168	Flagstaff, AZ	64.7
169	Lawton, OK	64.5
170	Saginaw, MI	64.4
171	Hartford-WestHartford-EastHartford, CT	64.4
172	Minneapolis-St.Paul-Bloomington, MN-WI	64.2
173	Wausau, WI	64.1
174	Duluth, MN-WI	64
175	Amarillo, TX	63.9
176	Olympia-Tumwater, WA	63.8
177	Youngstown-Warren-Boardman, OH-PA	63.8
178	Asheville, NC	63.8
179	Toledo, OH	63.8
180	Bremerton-Silverdale, WA	63.7
181	Kankakee, IL	63.5
182	Chattanooga, TN-GA	63.4
183	Madison, WI	63.4
184	Bend-Redmond, OR	63.4
185	Greensboro-HighPoint, NC	63.1
186	Greenville, NC	63
187	Rochester, NY	62.7
188	MyrtleBeach-Conway-NorthMyrtleBeach, SC-NC	62.6
189	Pittsfield, MA	62.5
190	BattleCreek, MI	62.4
191	Visalia-Porterville, CA	62.4
192	EastStroudsburg, PA	62.4
193	Kingsport-Bristol-Bristol, TN-VA	62.3
194	Winston-Salem, NC	62.3
195	Sherman-Denison, TX	62
196	Nashville-Davidson--Murfreesboro--Franklin, TN	61.9
197	ElCentro, CA	61.9
198	Jacksonville, NC	61.9
199	Alexandria, LA	61.7
200	FortWayne, IN	61.3
201	Kalamazoo-Portage, MI	61.2
202	SouthBend-Mishawaka, IN-MI	61.1
203	Tulsa, OK	60.8
204	Sumter, SC	60.5
205	LasCruces, NM	60.2
206	Ashtabula, OH	60.1
207	York-Hanover, PA	60
208	Albany, OR	60
209	Champaign-Urbana, IL	59.9
210	Cincinnati, OH-KY-IN	59.6
211	BoiseCity, ID	59.5
212	Missoula, MT	59.5
213	Wooster, OH	59.4
214	Dunn, NC	59.3
215	Salisbury, MD-DE	59.1
216	Omaha-CouncilBluffs, NE-IA	59.1
217	Eureka-Arcata-Fortuna, CA	58.7
218	Elizabethtown-FortKnox, KY	58.6
219	Anchorage, AK	58.3
220	Elkhart-Goshen, IN	58.2
221	Jackson, MI	58
222	Hagerstown-Martinsburg, MD-WV	58
223	Pittsburgh, PA	58
224	PineBluff, AR	57.9
225	Providence-Warwick, RI-MA	57.8
226	Gadsden, AL	57.5
227	Lafayette, LA	57.4
228	IowaCity, IA	57
229	BarnstableTown, MA	57
230	Waco, TX	57
231	Springfield, MO	56.8
232	Springfield, IL	56.6
233	Worcester, MA-CT	56.6
234	Anniston-Oxford-Jacksonville, AL	56.5
235	Kingston, NY	56.4
236	CollegeStation-Bryan, TX	56.4
237	Lubbock, TX	56.4
238	Hanford-Corcoran, CA	56.2
239	Cleveland, TN	56.1
240	Monroe, LA	56.1
241	Longview, TX	56
242	SaltLakeCity, UT	55.9
243	Canton-Massillon, OH	55.9
244	Louisville/JeffersonCounty, KY-IN	55.8
245	Lexington-Fayette, KY	55.5
246	Lima, OH	55.5
247	Lansing-EastLansing, MI	55.4
248	Peoria, IL	55.1
249	Decatur, IL	55.1
250	Erie, PA	54.9
251	Clarksville, TN-KY	54.9
252	GrandRapids-Wyoming, MI	54.8
253	Bloomington, IL	54.8
254	Weirton-Steubenville, WV-OH	54.6
255	Kennewick-Richland, WA	54.5
256	Roanoke, VA	54.1
257	Buffalo-Cheektowaga-NiagaraFalls, NY	54.1
258	DesMoines-WestDesMoines, IA	54.1
259	Lebanon, PA	53.9
260	Williamsport, PA	53.4
261	Harrisburg-Carlisle, PA	53.3
262	Bellingham, WA	53.2
263	FortSmith, AR-OK	53.1
264	Norwich-NewLondon, CT	52.9
265	Albany-Schenectady-Troy, NY	52.8
266	Morristown, TN	52.7
267	Winchester, VA-WV	52.2
268	Daphne-Fairhope-Foley, AL	52.1
269	BayCity, MI	52
270	Longview, WA	51.8
271	Salem, OR	51.4
272	Lawrence, KS	51.4
273	Meridian, MS	51.2
274	St.Joseph, MO-KS	51
275	Texarkana, TX-AR	50.9
276	WichitaFalls, TX	50.9
277	London, KY	50.6
278	Ogden-Clearfield, UT	50.1
279	Hickory-Lenoir-Morganton, NC	50.1
280	Billings, MT	49.7
281	Lincoln, NE	49.6
282	Manchester-Nashua, NH	49.4
283	Coeurd'Alene, ID	49.1
284	Charlottesville, VA	48.9
285	MountVernon-Anacortes, WA	48.8
286	JeffersonCity, MO	48.7
287	Jackson, TN	48.5
288	MichiganCity-LaPorte, IN	48.4
289	Syracuse, NY	48.3
290	Chambersburg-Waynesboro, PA	48.1
291	Cookeville, TNMicropolitan	48.1
292	Lafayette-WestLafayette, IN	48.1
293	Janesville-Beloit, WI	48
294	Logan, UT-ID	47.8
295	Evansville, IN-KY	47.8
296	Bluefield, WV-VA	47.5
297	Knoxville, TN	47.3
298	Whitewater-Elkhorn, WI	47
299	Rochester, MN	46.9
300	Torrington, CT	46.9
301	Sheboygan, WI	46.8
302	Claremont-Lebanon, NH-VT	46.7
303	Davenport-Moline-RockIsland, IA-IL	46.6
304	LakeCharles, LA	46.6
305	Lancaster, PA	46.6
306	Pottsville, PAMicropolitan	46.5
307	JohnsonCity, TN	46.3
308	Danville, VA	46
309	Carbondale-Marion, IL	45.8
310	Tupelo, MS	45.5
311	Springfield, OH	44.8
312	Provo-Orem, UT	44.8
313	Roseburg, OR	44.6
314	Joplin, MO	44.4
315	Fayetteville-Springdale-Rogers, AR-MO	44.3
316	Decatur, AL	44.2
317	Abilene, TX	44.2
318	Huntington-Ashland, WV-KY-OH	44.1
319	Morgantown, WV	43.9
320	SiouxCity, IA-NE-SD	43.9
321	Johnstown, PA	43.8
322	CedarRapids, IA	43.8
323	Eugene, OR	43.8
324	GrandJunction, CO	43.6
325	Salem, OH	43.6
326	Mansfield, OH	43.4
327	Blacksburg-Christiansburg-Radford, VA	43.2
328	Jamestown-Dunkirk-Fredonia, NY	43
329	Portland-SouthPortland, ME	42.8
330	IdahoFalls, ID	42.8
331	Kahului-Wailuku-Lahaina, HI	42.6
332	Cumberland, MD-WV	42.6
333	FondduLac, WI	42.3
334	Wheeling, WV-OH	41.9
335	GlensFalls, NY	41.9
336	Wenatchee, WA	41.5
337	Gettysburg, PA	41.4
338	TraverseCity, MI	41.2
339	LaCrosse-Onalaska, WI-MN	41.1
340	SiouxFalls, SD	40.7
341	Columbia, MO	40.6
342	Watertown-FortDrum, NY	40.4
343	SanAngelo, TX	40.2
344	RapidCity, SD	40.1
345	Owensboro, KY	40.1
346	St.George, UT	39.1
347	Binghamton, NY	38.9
348	Tullahoma-Manchester, TN	38.9
349	Bloomington, IN	38.9
350	GreenBay, WI	38.9
351	TerreHaute, IN	38.9
352	UrbanHonolulu, HI	38.8
353	Utica-Rome, NY	38.7
354	Ithaca, NY	38.4
355	Muncie, IN	38.2
356	Burlington-SouthBurlington, VT	37.9
357	Florence-MuscleShoals, AL	36.7
358	EauClaire, WI	36.6
359	Ottawa-Peru, IL	36.2
360	BowlingGreen, KY	35.9
361	Holland, MI	35.9
362	Appleton, WI	35.9
363	Hilo, HI	35.7
364	Lewiston-Auburn, ME	34.4
365	Oshkosh-Neenah, WI	33.5
366	Staunton-Waynesboro, VA	32.9
367	Waterloo-CedarFalls, IA	32.8
368	Ogdensburg-Massena, NY	32.2
369	Fargo, ND-MN	32.1
370	St.Cloud, MN	31.7
371	Bangor, ME	31.2
372	Farmington, NM	30.8
373	Altoona, PA	30.7
374	Harrisonburg, VA	29.5
375	StateCollege, PA	29.2
376	Augusta-Waterville, ME	28.7
377	Bismarck, ND	27.9