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'Standard assessment procedure' (SAP) refers to an index that reflects the cost of heating a dwelling. The index depends on the rate of heat loss determined by: building fabric, degree of insulation, ventilation and the cost of the heating. This last factor is determined by heating efficiency, fuel price and solar gain. SAP ratings are frequently divided into 7 bands (A to G). A (most efficient) runs from 92�100, B from 81�92, C from 69�80, D from 55�68, E from 39�54, F from 21�38 and G from 1�20.
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