A carbide factor was derived based upon a statistical analysis which related rolling-element fatigue life to the total number of residual carbide particles per unit area, median residual carbide size, and percent residual carbide area. An equation was experimentally, deter mined which predicts material hardness as a function of temperature. The limiting temperatures of all of the materials studied were dependent on initial room temperature hardness and tempering temperature. An equation was derived combining the effects of material hardness, carbide factor, and ,, bearing temperature to predict rolling-element bearing life.