Schedule rating. A property in which there is any risk at all owing either to its business or size, should be subjected to a very close analysis of all its features. This analysis is made by means of a tool called the schedule. What enters into a schedule can be seen from the case of theaters and churches. These properties are erected for certain definite and specific purposes. Both are tinguished by large auditoriums, a condition which greatly facilitates the spread of fire once it has started. Schedules for these types of properties always take the life-hazard into consideration to some extent, altho primarily the fire underwriter is not charged with responsibility for that feature of a property. Let us take a theater for a closer analysis of this type of risk. The modern theater is divided into three divisions: the stage, in- cluding all that part of the theater which is behind the proscenium wall; the auditorium where the audience assembles; the entrance which includes the ticket and general offices, and possibly some other features. After the great Iroquois Theater fire in Chicago, a special study of the design of theaters was made and the effort is now to separate these three parts so that a fire, originating in either the entrance or stage portions, may not be communicated to the auditorium and so endanger the audience. The same would be true in regard to a church property where the activities conducted in connection with parish houses are prominent. Such parish houses are frequently attached to the church building without standard separations. Schedule rating splits the rate into parts instead of providing a flat rate, which was a practice for many years. A schedule may make a uniform rate, but one divided into many parts, charging for this defect and crediting for that superior condition. This system of charges and credits show the property owner where he has fallen below the standard, and where he has reached it.