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The food service corporations Wendy's and White Castle are also based in the Columbus metro area. The city is home to the headquarters of Express Scripts, a Fortune 100 company; Premier Health Partners, one of Ohio's largest physician practice management companies; and NetJets, the world's largest fractional ownership air carrier.The city has a strong financial services sector anchored by Nationwide Mutual Insurance Company (the third-largest personal insurance firm in America), with other large employers including Motorists Insurance Group (the 14th-largest property/casualty insurer), L Brands (formerly Limited Brands), Cardinal Health, Chemical Financial Corporation (), Huntington Bancshares (), MidFirst Bank (), Fifth Third Bank () as well as regional banks Charter One Bank and FirstMerit Corporation (). In 2013 Forbes rated Columbus as one of "America’s Best Places for Businesses"."Forbes" also ranked high for workforce quality (#3)and cost of doing business (#10).Columbus was ranked #4 on "Fortune"'s list of cities that have made progress since 2008 regarding technology improvements.