A group supported by member insurance companies whose function is to gather loss statistics, develop loss costs and rating information, and make this data available to members. Advisory organizations also file rates on behalf of smaller insurance companies and develop standardized policy forms. Examples include the Insurance Services Office (ISO) and the National Council on Compensation Insurance (NCCI). These organizations provide actuarial services, research, and statistical analysis that help insurers price policies accurately and comply with regulatory requirements. Unlike rating bureaus of the past, modern advisory organizations provide information and recommendations but do not set mandatory rates; each insurer makes independent pricing decisions based on the advisory data.