Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA

Public Use Microdata Area (PUMA)

Add Comparison

2022 Population

161,857

3.47% 1-year decline

US Senator

Bob Casey Jr.

Democratic Party

US Senator

John Fetterman

Democratic Party

2022 Median Age

37.3

0.269% 1-year increase

2022 Poverty Rate

12.4%

4.57% 1-year increase

2022 Median Household Income

$70,729

5.25% 1-year growth

2022 Median Property Value

$205,000

17.2% 1-year growth

About

In 2022, Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA had a population of 162k people with a median age of 37.3 and a median household income of $70,729. Between 2021 and 2022 the population of Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA declined from 167,668 to 161,857, a −3.47% decrease and its median household income grew from $67,198 to $70,729, a 5.25% increase.

The 5 largest ethnic groups in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA are White (Non-Hispanic) (44.3%), Black or African American (Non-Hispanic) (37.8%), Asian (Non-Hispanic) (8.23%), Two+ (Non-Hispanic) (3.48%), and Other (Hispanic) (2.72%).

19.6% of the households in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA reported speaking a non-English language at home as their primary shared language. This does not consider the potential multi-lingual nature of households, but only the primary self-reported language spoken by all members of the household.

92.6% of the residents in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA are U.S. citizens.

The largest universities in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA are Empire Beauty School-Springfield (95 degrees awarded in 2022).

In 2022, the median property value in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA was $205,000, and the homeownership rate was 62.4%.

Most people in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA drove alone to work, and the average commute time was 32.3 minutes. The average car ownership in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA was 2 cars per household.

Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA borders Philadelphia City (West and West Park) PUMA, PA, Philadelphia City (University-Southwest and Lower Southwest) PUMA, PA, Delaware County (North)--Broomall PUMA, PA, and Delaware County (Southeast)--Chester City PUMA, PA.

United States Pennsylvania

Population & Diversity

Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA is home to a population of 162k people, from which 92.6% are citizens. As of 2022, 17.3% of Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA residents were born outside of the country (28k people).

In 2022, there were 1.17 times more White (Non-Hispanic) residents (71.6k people) in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA than any other race or ethnicity. There were 61.1k Black or African American (Non-Hispanic) and 13.3k Asian (Non-Hispanic) residents, the second and third most common ethnic groups.

The most common non-English languages spoken as the primary langauge in households in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA are Spanish (6,485 households), Yoruba, Twi, Igbo, or Other Languages of Western Africa (2,484 households), and Haitian (2,377 households).

Citizenship

92.6%

2022 Citizenship

92.5%

2021 Citizenship

As of 2022, 92.6% of Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA residents were US citizens, which is lower than the national average of 93.5%. In 2021, the percentage of US citizens in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA was 92.5%, meaning that the rate of citizenship has been increasing.

The following chart shows US citizenship percentages in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA compared to that of it's neighboring and parent geographies.

Diversity

Race and Ethnicity

The 3 largest ethnic groups in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA

White (Non-Hispanic)
71.6k ± 1.76k
Black or African American (Non-Hispanic)
61.1k ± 1.65k
Asian (Non-Hispanic)
13.3k ± 1.16k

5.94%

Hispanic Population

9.61k people

5.94% of the people in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA are hispanic (9.61k people).

The following chart shows the 7 races represented in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA as a share of the total population.

Foreign-Born Population

17.3%

2022 Foreign-Born Population

28k people

17.6%

2021 Foreign-Born Population

29.5k people

As of 2022, 17.3% of Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA residents (28k people) were born outside of the United States, which is higher than the national average of 13.6%. In 2021, the percentage of foreign-born citizens in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA was 17.6%, meaning that the rate has been decreasing.

The following chart shows the percentage of foreign-born residents in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA compared to that of it's neighboring and parent geographies.

Non-English Households

Most Common Non-English Languages

Spanish
6,485 households (4.26%)
Yoruba, Twi, Igbo, or Other Languages of Western Africa
2,484 households (1.63%)
Haitian
2,377 households (1.56%)

19.6% of the households in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA reported speaking a non-English language at home as their primary shared language, which is lower than the national average of 21.7%. This does not consider the potential multi-lingual nature of households, but only the primary self-reported language spoken by all members of the household.

In 2022, the most common non-English language spoken in households in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA was Spanish. 4.26% of the households in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA reported speaking Spanish at home as the primary shared language between all members living in the household.

Military

Veterans

Most Common Service Period

Vietnam
2,285 ± 335
Gulf War (2001-)
1,402 ± 365
Gulf War (1990s)
604 ± 199

Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA has a large population of military personnel who served in Vietnam, 1.63 times greater than any other conflict.

Economy

The economy of Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA employs 77.5k people. The largest industries in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA are General medical and surgical hospitals, and specialty (except psychiatric and substance abuse) hospitals (5,335 people), Elementary & secondary schools (4,917 people), and Restaurants & Food Services (4,202 people), and the highest paying industries are Industrial & miscellaneous chemicals ($166,507), Grocery & related product merchant wholesalers ($161,695), and Aircraft & parts manufacturing ($154,505).

Employment

Workforce Diversity

Measure

RACE/ETHNICITY

40,390

Women

51.1%

38,660

Men

48.9%

The workforce of Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA in 2020 was 79,050 people, with 51.1% woman, and 48.9% men.

The visualization shows the distribution of the workforce by gender and age in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA.

With the upper buttons you can see the distribution of the average salary and add a filter by race.

Occupations

77.5k

2022 Value

−4.03%

1 Year decline

± −4.03%

From 2021 to 2022, employment in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA declined at a rate of −4.03%, from 80.8k employees to 77.5k employees.

The most common job groups, by number of people living in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA, are Other managers (2,123 people), Elementary & middle school teachers (1,865 people), and Cashiers (1,825 people). This chart illustrates the share breakdown of the primary jobs held by residents of Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA.

Unemployment Insurance Claims

Data is only available at the state level. Showing data for false.

This chart shows weekly unemployment insurance claims in Pennsylvania (not-seasonally adjusted) compared with the four states with the most similar impact.

The most recent data point uses Advance State Claims data, which can be revised in subsequent weeks.

View Full Dashboard

Industries

Employment by Industries

77.5k

2022 Value

−4.03%

1 Year decline

± −4.03%

From 2021 to 2022, employment in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA declined at a rate of −4.03%, from 80.8k employees to 77.5k employees.

The most common employment sectors for those who live in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA, are General medical and surgical hospitals, and specialty (except psychiatric and substance abuse) hospitals (5,335 people), Elementary & secondary schools (4,917 people), and Restaurants & Food Services (4,202 people). This chart shows the share breakdown of the primary industries for residents of Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA, though some of these residents may live in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA and work somewhere else. Census data is tagged to a residential address, not a work address.

Median Earnings by Industry

$50,220

Median earning men ± $1,861

$42,101

Median earning women ± $1,577

The industries with the best median earnings for men in 2022 are Public Administration ($76,991), Information ($75,653), and Professional, Scientific, & Management, & Administrative & Waste Management Services ($70,166).

The industries with the best median earnings for women in 2022 are Construction ($72,625), Public Administration ($70,085), and Information ($65,257).

Employment by Industry Sector

Data is only available at the state level. Showing data for Pennsylvania.

Y-Axis

2.78%

Year-over-year growth

Employment change between February 2022 and February 2023

As of February 2023, there are 6.03M people employed in Pennsylvania. This represents a 2.78% increase in employment when compared to February 2022.

Right after the beginning of the COVID-19 pandemic, during April 2020, a general dip can be seen across industry sectors, resulting in an overall decline in employment by 18.1%.

The following chart shows monthly employment numbers for each industry sector in Pennsylvania.

Civics

In the 2020 presidential election, the popular vote in Pennsylvania went to Joseph R Biden Jr. with 50% of the vote. The runner-up was Donald J. Trump (48.8%), followed by Jo Jorgensen (1.15%).

Bob Casey Jr. and John Fetterman are the senators currently representing the state of Pennsylvania. In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

Pennsylvania is currently represented by 17 members in the U.S. house, and members of the House of Representives are elected to 2-year terms.

Presidential Elections

Presidential Popular Vote Over Time

Voting results are not available for Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA. Showing the available data for Pennsylvania.

2020 Election Results

Joseph R Biden Jr. (50%)
Democratic Party
Donald J. Trump (48.8%)
Republican Party
Jo Jorgensen (1.15%)
Libertarian Party

In the 2020 presidential election, the popular vote in Pennsylvania went to Joseph R Biden Jr. with 50% of the vote. The runner-up was Donald J. Trump (48.8%), followed by Jo Jorgensen (1.15%).

The following chart shows the popular vote results in Pennsylvania for each registered party from 1976 to 2020.

Senator Elections

US Senators from Pennsylvania

Senatorial voting results are only available at the state level. Showing data for Pennsylvania.

Bob Casey Jr.

Senator from Pennsylvania

Assumed office on January 3, 2007

John Fetterman

Senator from Pennsylvania

Assumed office on January 3, 2023

Bob Casey Jr. and John Fetterman are the senators currently representing Pennsylvania.

In the United States, senators are elected to 6-year terms with the terms for individual senators staggered.

The following chart shows elected senators in Pennsylvania over time, excluding special elections, colored by their political party.

US Representative Elections

US Representatives from Pennsylvania

Pennsylvania is currently represented by 17 members in the U.S. house.

Members of the House of Representives are elected to 2-year terms, and the following chart shows the how the members for Pennsylvania have changed over time starting in 2008.

Education

In 2022, universities in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA awarded 95 degrees. The student population of Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA in 2022 is skewed towards women, with 3 male students and 171 female students.

Most students graduating from Universities in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA are Black or African American (67 and 70.5%), followed by Hispanic or Latino (8 and 8.42%), Unknown (7 and 7.37%), and White (7 and 7.37%).

The largest universities in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA by number of degrees awarded are Empire Beauty School-Springfield (95 and 100%).

The most popular majors in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA are General Cosmetology (91 and 95.8%) and Cosmetology, Barber, & Nail Instructor (4 and 4.21%).

Completions

Awarded Degrees over Time

The graph shows the evolution of awarded degrees by degrees. Under the paragraphs, the average number of awarded degrees by university in each degree is shown.

Working Population

Educational Pyramid

Measure

In 2022, 0.787% of men over 25 years of age had not completed any academic degree (no schooling), while 1.16% of women were in the same situation.

This visualization shows the gender distribution of the population according to the academic level reached.

Educational Attainment

Race

The most common educational levels obtained by the working population of Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA in 2022 were High School or Equivalent (38k), Some college (26.8k), and Bachelors Degree (25.7k).

This visualization illustrates the percentage distribution of the population according to the highest educational level reached. You can filter the data by race by using the selector above.

Housing & Living

The median property value in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA was $205,000 in 2022, which is 0.727 times smaller than the national average of $281,900. Between 2021 and 2022 the median property value increased from $174,900 to $205,000, a 17.2% increase. The homeownership rate in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA is 62.4%, which is approximately the same as the national average of 64.8%.

People in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA have an average commute time of 32.3 minutes, and they drove alone to work. Car ownership in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA is approximately the same as the national average, with an average of 2 cars per household.

Median household income in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA is $70,729. In 2022, the PUMA with the highest Median Household Income in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA was Chester County (West)--Phoenixville Borough PUMA, PA with a value of $137,038, followed by Bucks County (Northern Central) PUMA, PA and Montgomery County (Southern Lower)--King of Prussia PUMA, PA, with respective values of $136,870 and $130,374.

Property

$205,000

Median Property Value 2022

±$6,308

$39,025

Median Property Taxes

±$1,303

The following chart display owner-occupied housing units distributed between a series of property tax buckets compared to the national averages for each bucket. In Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA the largest share of households pay taxes in the $3k+ range.

The chart underneath the paragraph shows the property taxes in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA compared to it's parent and neighbor geographies.

Rent vs Own

62.4%

Homeownership

2022

62.1%

Homeowners with Mortgage

2022

In 2022, 62.4% of the housing units in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA were occupied by their owner. This percentage declined from the previous year's rate of 62.6%.

This chart shows the percentage of owner in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA compared it's parent and neighboring geographies.

Equity

Income by Location

Use the dropdown to filter by race/ethnicity.

Race/Ethnicity

Highest Median Household Income (Total)

In 2022, the PUMA with the highest Median Household Income (Total) in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA was Chester County (West)--Phoenixville Borough PUMA, PA with a value of $137,038, followed by Bucks County (Northern Central) PUMA, PA and Montgomery County (Southern Lower)--King of Prussia PUMA, PA, with respective values of $136,870 and $130,374.

The following map shows all of the PUMAs in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA colored by their Median Household Income (Total).

Household Income

Please note that the buckets used in this visualization were not evenly distributed by ACS when publishing the data.

$70,729

Median Household Income

± $2,930

62.5k

Number of Households

± 2,000

In 2022, the median household income of the 62.5k households in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA grew to $70,729 from the previous year's value of $67,198.

The following chart displays the households in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA distributed between a series of income buckets compared to the national averages for each bucket. The largest share of households have an income in the $75k - $100k range.

Wage Distribution

0.439

2022 Wage GINI in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA

0.44

2021 Wage GINI in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA

In 2022, the income inequality in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA was 0.439 according to the GINI calculation of the wage distribution. Income inequality had a 0.246% decline from 2021 to 2022, which means that wage distribution grew somewhat more even. The GINI for Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA was lower than than the national average of 0.478. In other words, wages are distributed more evenly in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA in comparison to the national average.

This chart shows the number of workers in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA across various wage buckets compared to the national average.

Transportation

Commuter Transportation

Most Common Commute in 2022

Drove Alone (64.7%)
Public Transit (13.3%)
Worked At Home (10.8%)

In 2022, 64.7% of workers in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA drove alone to work, followed by those who used public transit to get to work (13.3%) and those who worked at home (10.8%).

The following chart shows the number of households using each mode of transportation over time, using a logarithmic scale on the y-axis to help better show variations in the smaller means of commuting.

Commute Time

32.3 minutes

Average Travel Time

Using averages, employees in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA have a longer commute time (32.3 minutes) than the normal US worker (26.7 minutes). Additionally, 2.54% of the workforce in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA have "super commutes" in excess of 90 minutes.

The chart below shows how the median household income in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA compares to that of it's neighboring and parent geographies.

Car Ownership

2 cars

Average Number

The following chart displays the households in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA distributed between a series of car ownership buckets compared to the national averages for each bucket. The largest share of households in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA have 2 cars.

Poverty

Poverty & Diversity

12.4% of the population for whom poverty status is determined in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA (19.9k out of 161k people) live below the poverty line, a number that is lower than the national average of 12.5%. The largest demographic living in poverty are Females 25 - 34, followed by Females 6 - 11 and then Females 35 - 44.

The most common racial or ethnic group living below the poverty line in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA is Black, followed by White and Hispanic.

The Census Bureau uses a set of money income thresholds that vary by family size and composition to determine who classifies as impoverished. If a family's total income is less than the family's threshold than that family and every individual in it is considered to be living in poverty.

Social Needs

Data only available at the state level.

Most prevalent states

California
35,798 individuals
New York
5,087 individuals
Florida
4,915 individuals

In 2017, California had the highest estimated number of chronically homeless individuals in the nation, at 35,798. New York has the second highest (5,087), followed by Florida (4,915).

The following map shows the estimated number of chronically homeless individuals by state over multiple years.

Health

92.6% of the population of Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA has health coverage, with 48.1% on employee plans, 17.3% on Medicaid, 10.2% on Medicare, 16.2% on non-group plans, and 0.659% on military or VA plans.

Primary care physicians in Pennsylvania see 1216 patients per year on average, which represents a 0.491% decrease from the previous year (1222 patients). Compare this to dentists who see 1410 patients per year, and mental health providers who see 397 patients per year.

Coverage

Patient to Clinician Ratios

Data is only available at the state level. Showing data for Pennsylvania.

1,216 to 1

Patient to Primary Care Physician Ratio in Pennsylvania

Primary care physicians in Pennsylvania see an average of 1,216 patients per year. This represents a 0.491% decrease from the previous year (1,222 patients).

The following chart shows how the number of patients seen by primary care physicians has been changing over time in Pennsylvania in comparison to its neighboring geographies.

Health Care Diversity

In 2022, insured persons according to age ranges were distributed in 23.6% under 18 years, 22.9% between 18 and 34 years, 39.2% between 35 and 64 years, and 14.3% over 64 years.

By gender, of the total number of insured persons, 47.6% were men and 52.4% were women.

The following chart shows the number of people with health coverage by gender.

Uninsured People

7.42%

Uninsured

48.1%

Employer Coverage

17.3%

Medicaid

10.2%

Medicare

16.2%

Non-Group

0.659%

Military or VA

Between 2021 and 2022, the percent of uninsured citizens in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA grew by 4.62% from 7.09% to 7.42%.

The following chart shows how the percent of uninsured individuals in Delaware County (East)--Yeadon, Lansdowne, Darby Boroughs & Drexel Hill PUMA, PA changed over time compared with the percent of individuals enrolled in various types of health insurance.