# Data Sources & Attribution

This project is assembled entirely from free, public data. Sources differ in their
licenses and republication terms — this file records each one, how it's used, and
what the obligations are.

## Public-domain U.S. government data (no restriction)

These are U.S. federal works in the public domain. Used directly via API or bulk file.

| Source | What we use | Access |
|---|---|---|
| **BLS** — Local Area Unemployment Statistics (LAUS), JOLTS, Current Employment Statistics (CES/SMU), Occupational Employment & Wage Statistics (OEWS), Employment Projections, Employment Cost Index | Unemployment, job flow, employment levels, wages, outlook | via FRED + BLS |
| **FRED** (Federal Reserve Bank of St. Louis) | API access to the BLS time series above | fred.stlouisfed.org |
| **U.S. Census Bureau** — LEHD / Quarterly Workforce Indicators (QWI) | Workforce demographics & flows | lehd.ces.census.gov |
| **U.S. DOL OFLC** — H-1B LCA + PERM disclosure data | Employer-attested visa-filing wages (clearly labeled as a regulatory floor, not market pay) | dol.gov/agencies/eta/foreign-labor/performance |
| **U.S. DOE / IPEDS** | Graduate pipeline (degree completions) | nces.ed.gov/ipeds |
| **NAIC** | Insurance department resources / market trends | naic.org |
| **Florida DFS** | Adjuster licensing | myfloridacfo.com |

## O*NET — **CC BY 4.0 (attribution required)**

The Career Pathways feature (`data/career_pathways.json`, `scripts/career_pathways.py`)
is derived from the **O*NET® database**, a service of the U.S. Department of Labor,
Employment and Training Administration (USDOL/ETA).

> This site incorporates information from the O*NET Database, used under the
> **Creative Commons Attribution 4.0 International (CC BY 4.0)** license. O*NET® is a
> trademark of USDOL/ETA. The curated transferable-skill mappings are our own
> derivation and are likewise released under CC BY 4.0.

Source: <https://www.onetcenter.org/> · License: <https://creativecommons.org/licenses/by/4.0/>

## The Institutes / National Alliance / SOA / CAS

Professional-designation names and typical credential paths (CPCU, AINS, AU, AIC, ARM,
CIC, SOA/CAS exams) are referenced as factual career information. Credential names are
trademarks of their respective bodies; no endorsement is implied.

## Third-party aggregators — NOT used

| Source | Status |
|---|---|
| **Glassdoor, Indeed (salaries), PayScale, ERI** | **Not used.** Their terms of service broadly prohibit reproducing or redistributing their data, so their salary figures were removed. The compensation view relies only on public-domain BLS/DOL data plus this project's own career-trajectory model. |
| **Indeed Hiring Lab** | *Used.* A job-postings index published openly by Indeed Hiring Lab for reuse with attribution — distinct from Indeed's salary product. |

## How attribution appears in the product

Every figure on the site is intended to show its **source, as-of date, and method**.
Government series are labeled by program; O*NET-derived matches are labeled as a
transferable-skill *overlap heuristic* (not a transition rate); visa-filing wages are
labeled as an attested regulatory floor, not market pay.