Quantitative information from the 1995 Integrated Monitoring Study (IMS95) is used to develop a conceptual model, which describes the chemical characteristics and the physical processes responsible for the accumulation of PM in the San Joaquin Valley of California. One significant finding of the conceptual model is the sensitivity of ammonium nitrate (46% of winter PM2.5) and nitric acid to oxidants, which may be VOC-sensitive rather than NOx-sensitive. Key gaps in current knowledge are identified using the conceptual model, e.g., the relative sensitivity of winter oxidants to VOC and NOx, mechanistic details of secondary organic aerosol formation, mechanisms of dispersion under calm conditions, and the importance of dry deposition. Some recommendations are also provided for the formulation of air quality models suitable to address the accumulation of PM in the San Joaquin Valley. (C) 1999 Elsevier Science Ltd. All rights reserved.