2013 Life, Accident & Health Supplement Report

2013 Property & Casualty Supplement Report

Results


There are 191 companies in this market.

2013 Supplemental Data for
Property and Casualty
Private Passenger Auto Medical Payments

Ranking Company Market
Share
Direct Premium
Written
Direct Premium
Earned
Direct Losses
Paid
Direct Losses
Incurred
Loss
Ratio
1 STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY 25.03%$21,097,070 $21,123,420 $12,316,054 $12,615,032N/A
2 AMERICAN FAMILY MUTUAL INSURANCE COMPANY 13.94%$11,754,060 $11,893,962 $6,988,650 $6,250,85552.55%
3 SHELTER MUTUAL INSURANCE COMPANY 8.12%$6,841,544 $6,798,770 $3,927,146 $3,742,35855.04%
4 FARMERS INSURANCE COMPANY INC 5.89%$4,967,041 $5,194,873 $3,266,469 $3,136,09060.37%
5 SAFECO INSURANCE COMPANY OF ILLINOIS 4.77%$4,019,809 $3,694,996 $1,893,326 $1,866,45850.51%
6 AUTOMOBILE CLUB INTER-INSURANCE EXCHANGE 3.56%$2,996,886 $3,010,364 $1,901,554 $2,363,61078.52%
7 FARM BUREAU TOWN & COUNTRY INS CO OF MO 2.63%$2,216,752 $2,220,282 $1,225,504 $1,302,10158.65%
8 PROGRESSIVE CASUALTY INSURANCE COMPANY 2.41%$2,030,108 $1,970,089 $1,271,538 $1,236,95562.79%
9 UNITED SERVICES AUTOMOBILE ASSOCIATION 2.10%$1,774,068 $1,773,888 $943,946 $810,07745.67%
10 AMERICAN STANDARD INSURANCE COMPANY OF WISCONSIN 1.70%$1,430,242 $1,459,436 $790,299 $801,94854.95%
11 USAA CASUALTY INSURANCE COMPANY 1.58%$1,331,820 $1,320,071 $719,284 $674,40251.09%
12 STATE FARM FIRE AND CASUALTY COMPANY 1.48%$1,243,330 $1,226,506 $831,560 $935,31476.26%
13 GEICO GENERAL INS CO 1.40%$1,183,151 $1,214,239 $607,658 $622,82451.29%
14 ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY 1.26%$1,058,531 $1,000,790 $481,880 $596,74459.63%
15 GEICO CASUALTY COMPANY 1.26%$1,063,381 $971,645 $794,865 $938,58296.60%
16 TWIN CITY FIRE INSURANCE COMPANY 1.08%$910,607 $912,205 $681,295 $668,23573.25%
17 TRAVELERS HOME AND MARINE INSURANCE COMPANY THE 1.05%$886,555 $982,119 $643,359 $532,65954.24%
18 PROGRESSIVE NORTHWESTERN INSURANCE COMPANY 1.02%$856,595 $883,298 $478,950 $461,94552.30%
19 PROGRESSIVE PREFERRED INSURANCE COMPANY 0.97%$818,841 $883,801 $443,057 $439,49149.73%
20 PROGRESSIVE ADVANCED INSURANCE COMPANY 0.85%$717,482 $692,256 $523,226 $514,38474.31%
21 USAA GENERAL INDEMNITY COMPANY 0.80%$678,306 $609,798 $304,278 $373,97361.33%
22 LIBERTY MUTUAL FIRE INSURANCE COMPANY 0.71%$595,567 $666,735 $389,219 $346,90952.03%
23 GOVERNMENT EMPLOYEES INSURANCE CO 0.64%$543,127 $558,563 $266,152 $278,48549.86%
24 TRUMBULL INSURANCE COMPANY 0.64%$542,548 $516,276 $211,341 $259,76650.32%
25 CORNERSTONE NATIONAL INSURANCE COMPANY 0.62%$525,033 $526,545 $213,544 $172,97232.85%
26 PROGRESSIVE MAX INSURANCE COMPANY 0.59%$495,933 $506,101 $374,990 $362,94471.71%
27 PROGRESSIVE DIRECT INSURANCE COMPANY 0.58%$487,496 $527,709 $306,525 $305,47957.89%
28 COLUMBIA MUTUAL INSURANCE COMPANY 0.56%$474,731 $517,587 $213,219 $216,74441.88%
29 COUNTRY PREFERRED INSURANCE COMPANY 0.56%$474,484 $457,991 $285,689 $259,08256.57%
30 ALLSTATE INSURANCE COMPANY 0.55%$465,846 $485,714 $289,265 $270,56155.70%
31 AMERICAN NATIONAL PROPERTY & CASUALTY COMPANY 0.50%$424,121 $420,286 $264,303 $305,97172.80%
32 CAMERON MUTUAL INSURANCE COMPANY 0.50%$418,129 $434,371 $325,513 $375,76986.51%
33 GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY 0.46%$384,202 $387,618 $173,103 $147,31038.00%
34 MERIDIAN SECURITY INSURANCE COMPANY 0.44%$369,751 $410,871 $332,945 $433,434105.49%
35 GEICO INDEMNITY COMPANY 0.43%$363,784 $353,326 $159,212 $158,39744.83%
36 ALLSTATE PROPERTY & CASUALTY INSURANCE COMPANY 0.42%$352,089 $360,269 $308,856 $321,97389.37%
37 LM GENERAL INSURANCE COMPANY 0.41%$344,603 $265,839 $309,259 $402,580151.44%
38 OWNERS INSURANCE COMPANY 0.41%$346,585 $345,881 $138,615 $176,77751.11%
39 HARTFORD UNDERWRITERS INSURANCE COMPANY 0.41%$347,679 $372,455 $253,216 $203,46854.63%
40 VIKING INSURANCE COMPANY OF WISCONSIN 0.36%$304,717 $313,734 $131,478 $150,94348.11%
41 CAMERON NATIONAL INSURANCE COMPANY 0.34%$289,629 $309,127 $222,132 $269,59787.21%
42 FOREMOST INSURANCE COMPANY GRAND RAPIDS MICHIGAN 0.31%$262,794 $262,259 $0 $00.00%
43 BRISTOL WEST INSURANCE COMPANY 0.31%$259,152 $255,478 $137,213 $136,70653.51%
44 PROPERTY & CASUALTY INSURANCE COMPANY OF HARTFORD 0.30%$250,997 $265,678 $200,614 $164,92762.08%
45 IDS PROPERTY CASUALTY INSURANCE COMPANY 0.28%$237,745 $235,546 $128,905 $221,86994.19%
46 21ST CENTURY CENTENNIAL INSURANCE COMPANY 0.25%$212,886 $224,862 $223,159 $204,69691.03%
47 AUTO OWNERS INSURANCE COMPANY 0.25%$208,026 $211,070 $140,361 $156,39274.09%
48 SAFE AUTO INSURANCE COMPANY 0.25%$212,751 $222,891 $189,112 $164,39573.76%
49 ESURANCE PROPERTY & CASUALTY INSURANCE COMPANY 0.23%$193,839 $179,530 $239,714 $277,756154.71%
50 COUNTRY MUTUAL INSURANCE COMPANY 0.22%$182,763 $185,313 $147,459 $113,06161.01%
51 GRINNELL SELECT INSURANCE COMPANY 0.22%$186,044 $179,028 $157,215 $249,722139.49%
52 ACUITY A MUTUAL INSURANCE COMPANY 0.22%$188,603 $187,622 $98,064 $80,10842.70%
53 GUIDEONE MUTUAL INSURANCE COMPANY 0.19%$160,008 $163,931 $56,028 $89,26054.45%
54 AMICA MUTUAL INSURANCE COMPANY 0.16%$134,671 $133,206 $34,008 $-27,538-20.67%
55 HAULERS INSURANCE COMPANY INC 0.16%$133,181 $135,873 $92,774 $88,68565.27%
56 CALIFORNIA CASUALTY GENERAL INSURANCE COMPANY OF OREGON 0.15%$124,291 $127,053 $39,822 $39,82031.34%
57 UNITED HOME INSURANCE COMPANY 0.15%$123,062 $85,473 $35,244 $42,61549.86%
58 DAIRYLAND INSURANCE COMPANY 0.14%$118,419 $111,815 $33,399 $55,59349.72%
59 ESURANCE INSURANCE COMPANY 0.13%$109,310 $118,968 $100,794 $113,62495.51%
60 ALFA SPECIALTY INSURANCE CORPORATION 0.13%$110,576 $113,435 $38,914 $41,41436.51%
61 NATIONAL GENERAL INSURANCE ONLINE INC 0.13%$110,116 $117,700 $85,734 $104,51288.80%
62 ALFA VISION INSURANCE CORPORATION 0.12%$97,565 $89,637 $27,068 $27,56730.75%
63 METROPOLITAN GROUP PROPERTY & CASUALTY INSURANCE COMPANY 0.12%$98,684 $98,118 $60,558 $77,09178.57%
64 CINCINNATI INSURANCE COMPANY THE 0.12%$100,692 $91,305 $70,092 $114,502125.41%
65 21ST CENTURY NORTH AMERICA INSURANCE COMPANY 0.12%$102,630 $110,781 $57,372 $50,12845.25%
66 METROPOLITAN PROPERTY & CASUALTY INSURANCE COMPANY 0.11%$90,398 $87,571 $44,743 $37,06742.33%
67 CONSUMERS INSURANCE USA INC 0.11%$92,960 $96,451 $90,304 $73,77676.49%
68 GRINNELL MUTUAL REINSURANCE COMPANY 0.10%$88,209 $87,627 $74,131 $46,13252.65%
69 SENTRY INSURANCE A MUTUAL COMPANY 0.10%$87,383 $93,903 $45,225 $19,89621.19%
70 1ST AUTO & CASUALTY INSURANCE COMPANY 0.10%$83,471 $80,075 $85,746 $99,863124.71%
71 NATIONAL GENERAL INSURANCE COMPANY 0.08%$66,559 $70,076 $96,493 $87,566124.96%
72 FIREMANS FUND INSURANCE COMPANY 0.08%$66,839 $69,173 $33,009 $16,30023.56%
73 ENCOMPASS INDEMNITY COMPANY 0.07%$55,730 $47,000 $20,978 $37,86880.57%
74 AIG PROPERTY CASUALTY COMPANY 0.07%$61,741 $61,039 $48,822 $-6,056-9.92%
75 UNITRIN PREFERRED INSURANCE COMPANY 0.06%$46,385 $48,362 $35,698 $37,83078.22%
76 UNITED FIRE AND CASUALTY COMPANY 0.06%$51,490 $52,015 $13,632 $23,75545.67%
77 SECURA SUPREME INSURANCE COMPANY 0.06%$50,556 $50,692 $17,546 $7,94415.67%
78 EMCASCO INSURANCE COMPANY 0.06%$48,971 $49,186 $19,294 $24,59250.00%
79 STANDARD FIRE INSURANCE COMPANY 0.06%$47,115 $6,316 $0 $00.00%
80 EQUITY INSURANCE COMPANY 0.06%$53,033 $52,065 $701,324 $606,9841165.82%
81 ESSENTIA INSURANCE COMPANY 0.06%$54,322 $28,258 $12 $8,91831.56%
82 TRAVELERS PROPERTY CASUALTY INSURANCE COMPANY 0.06%$51,815 $53,785 $34,884 $27,38950.92%
83 STATE AUTO PROPERTY & CASUALTY INSURANCE COMPANY 0.05%$39,708 $43,497 $35,014 $21,99850.57%
84 SHELTER GENERAL INSURANCE COMPANY 0.05%$39,614 $46,967 $48,949 $6,48113.80%
85 ASSURANCEAMERICA INSURANCE COMPANY 0.05%$38,567 $36,840 $7,945 $11,81932.08%
86 YOUNG AMERICA INSURANCE COMPANY 0.05%$44,626 $45,756 $42,051 $39,10885.47%
87 ALLSTATE INDEMNITY COMPANY 0.04%$30,903 $28,045 $25,112 $26,04592.87%
88 TRADERS INSURANCE COMPANY 0.04%$29,698 $28,335 $19,204 $33,896119.63%
89 HARTFORD INSURANCE COMPANY OF MIDWEST THE 0.04%$33,703 $40,016 $45,587 $10,92827.31%
90 FIRST LIBERTY INSURANCE CORP THE 0.04%$32,474 $38,062 $21,961 $11,08829.13%
91 LM INSURANCE CORPORATION 0.03%$28,562 $23,704 $11,378 $25,339106.90%
92 NATIONAL SURETY CORPORATION 0.03%$28,415 $26,652 $61,411 $72,521272.10%
93 ECONOMY PREMIER ASSURANCE COMPANY 0.03%$24,475 $26,927 $11,480 $2,5349.41%
94 ALPHA PROPERTY & CASUALTY INSURANCE CO 0.03%$21,410 $19,040 $5,000 $1,0105.30%
95 HARTFORD CASUALTY INSURANCE CO 0.02%$16,030 $15,926 $7,191 $6824.28%
96 UNITRIN DIRECT PROPERTY & CASUALTY COMPANY 0.02%$19,021 $19,959 $3,053 $3,94919.79%
97 COUNTRY CASUALTY INSURANCE COMPANY 0.02%$15,109 $13,703 $0 $-2,646-19.31%
98 PHARMACISTS MUTUAL INSURANCE COMPANY 0.02%$14,443 $14,935 $9,500 $9,13561.17%
99 MENDOTA INSURANCE COMPANY 0.02%$19,662 $26,332 $15,188 $5,18819.70%
100 ENCOMPASS INSURANCE COMPANY OF AMERICA 0.02%$19,903 $21,544 $15,631 $10,88850.54%
101 SENTINEL INSURANCE COMPANY LTD 0.02%$15,775 $14,387 $10,502 $11,38479.13%
102 WARNER INSURANCE COMPANY 0.02%$17,172 $20,816 $32,124 $8,91342.82%
103 SAGAMORE INSURANCE COMPANY 0.02%$20,539 $20,704 $7,000 $3,25115.70%
104 PERMANENT GENERAL ASSURANCE CORPORATION 0.02%$16,611 $16,139 $14,065 $19,080118.22%
105 NEW SOUTH INSURANCE COMPANY 0.02%$16,312 $17,935 $6,387 $5,14628.69%
106 METROPOLITAN DIRECT PROPERTY AND CASUALTY INSURANCE COMPANY 0.02%$14,254 $14,927 $8,749 $-1,175-7.87%
107 STILLWATER INSURANCE COMPANY 0.02%$15,629 $16,739 $2,553 $520.31%
108 AMERICAN MODERN HOME INSURANCE CO 0.02%$16,020 $15,143 $0 $00.00%
109 MADISON MUTUAL INSURANCE COMPANY 0.01%$7,634 $4,627 $0 $1,00021.61%
110 EMPLOYERS MUTUAL CASUALTY COMPANY 0.01%$5,807 $5,591 $5,000 $-450-8.05%
111 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA 0.01%$8,980 $8,785 $0 $00.00%
112 PHILADELPHIA INDEMNITY INSURANCE COMPANY 0.01%$4,859 $5,248 $1,797 $3,03057.74%
113 KEMPER INDEPENDENCE INSURANCE COMPANY 0.01%$7,085 $8,200 $0 $00.00%
114 FOREMOST PROPERTY AND CASUALTY INSURANCE COMPANY 0.01%$8,597 $8,217 $0 $00.00%
115 WORKMENS AUTO INSURANCE COMPANY 0.01%$6,256 $11,628 $2,500 $-7,198-61.90%
116 INSUREMAX INSURANCE COMPANY 0.01%$12,286 $13,744 $10,811 $10,43375.91%
117 FARMERS MUTUAL HAIL INSURANCE COMPANY OF IOWA 0.01%$11,303 $8,666 $0 $00.00%
118 HALLMARK INSURANCE COMPANY 0.01%$5,867 $9,151 $13,679 $11,026120.49%
119 METROPOLITAN CASUALTY INSURANCE COMPANY 0.01%$4,947 $5,252 $1,253 $2,82053.69%
120 IRONSHORE INDEMNITY INC 0.01%$11,655 $11,145 $0 $00.00%
121 AMERICAN NATIONAL GENERAL INSURANCE COMPANY 0.01%$9,858 $12,779 $17,853 $56,438441.65%
122 MID CENTURY INSURANCE COMPANY 0.01%$11,545 $20,388 $5,033 $-4,931-24.19%
123 MERASTAR INSURANCE COMPANY 0.01%$4,705 $4,854 $12,500 $5,250108.16%
124 MIC GENERAL INSURANCE CORPORATION 0.01%$8,631 $10,080 $-1,863 $-222-2.20%
125 AMERICAN MODERN SELECT INSURANCE COMPANY 0.01%$10,979 $11,263 $0 $00.00%
126 AUTO CLUB FAMILY INSURANCE COMPANY 0.01%$6,531 $7,942 $2,000 $-676-8.51%
127 MARKEL AMERICAN INSURANCE COMPANY 0.01%$5,058 $5,116 $10,185 $1,73033.82%
128 NATIONAL GENERAL ASSURANCE COMPANY 0.01%$7,937 $8,507 $2,708 $4255.00%
129 DIRECT GENERAL INSURANCE COMPANY 0.01%$5,283 $3,040 $1,000 $50016.45%
130 HARTFORD ACCIDENT & INDEMNITY CO 0.01%$5,463 $6,065 $1,806 $98816.29%
131 WEST AMERICAN INSURANCE COMPANY 0.01%$10,928 $11,633 $5,075 $1,93416.63%
132 AFFIRMATIVE INSURANCE COMPANY 0.01%$8,973 $12,077 $8,617 $9,35077.42%
133 INTEGON GENERAL INSURANCE CORPORATION 0.00%$152 $196 $0 $00.00%
134 FIRST ACCEPTANCE INSURANCE COMPANY INC 0.00%$4,213 $4,506 $3,000 $1,91142.41%
135 PROGRESSIVE CLASSIC INSURANCE COMPANY 0.00%$0 $0 $0 $1,291N/A
136 RESPONSE INSURANCE COMPANY 0.00%$107 $1,198 $1,881 $1,450121.04%
137 TRAVELERS PERSONAL INSURANCE COMPANY 0.00%$0 $0 $-17 $-17N/A
138 AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS 0.00%$-3 $16 $0 $00.00%
139 ALLSTATE VEHICLE AND PROPERTY INSURANCE COMPANY 0.00%$0 $0 $0 $-1N/A
140 PACIFIC SPECIALTY INSURANCE COMPANY 0.00%$253 $328 $0 $00.00%
141 CHARTER INDEMNITY COMPANY 0.00%$1,525 $2,218 $1,000 $1,00045.09%
142 MILLERS CLASSIFIED INSURANCE COMPANY 0.00%$-27 $460 $7,084 $-12,204-2653.04%
143 GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY 0.00%$0 $7 $0 $-42-600.00%
144 RLI INSURANCE COMPANY 0.00%$1,762 $871 $0 $38043.63%
145 INFINITY ASSURANCE INSURANCE COMPANY 0.00%$0 $0 $0 $-27N/A
146 LIBERTY INSURANCE CORPORATION 0.00%$2,090 $2,409 $0 $00.00%
147 GUIDEONE AMERICA INSURANCE COMPANY 0.00%$87 $2,572 $36,321 $-12,094-470.22%
148 ALLMERICA FINANCIAL BENEFIT INSURANCE COMPANY 0.00%$-20 $25 $0 $00.00%
149 FOREMOST SIGNATURE INSURANCE COMPANY 0.00%$0 $0 $0 $-3N/A
150 BENCHMARK INSURANCE COMPANY 0.00%$3,809 $3,550 $900 $2,53871.49%
151 INFINITY AUTO INSURANCE COMPANY 0.00%$0 $0 $0 $-10N/A
152 TRIUMPHE CASUALTY COMPANY 0.00%$453 $582 $0 $00.00%
153 METROPOLITAN GENERAL INSURANCE COMPANY 0.00%$1,024 $1,048 $1,229 $1,242118.51%
154 GUIDEONE ELITE INSURANCE COMPANY 0.00%$-21 $846 $2,000 $-5,740-678.49%
155 VICTORIA FIRE & CASUALTY COMPANY 0.00%$171 $171 $0 $116.43%
156 21ST CENTURY INSURANCE COMPANY 0.00%$0 $0 $0 $62N/A
157 CHUBB NATIONAL INSURANCE COMPANY 0.00%$0 $0 $9,645 $25,335N/A
158 GREAT AMERICAN SPIRIT INSURANCE COMPANY 0.00%$0 $0 $0 $-1N/A
159 PROGRESSIVE SPECIALTY INSURANCE COMPANY 0.00%$0 $0 $0 $318N/A
160 HARTFORD FIRE INSURANCE COMPANY 0.00%$3,678 $3,763 $2,524 $5,521146.72%
161 ARGONAUT INSURANCE COMPANY 0.00%$0 $0 $0 $-136N/A
162 FINANCIAL INDEMNITY COMPANY 0.00%$2,153 $2,463 $800 $80032.48%
163 MIDDLESEX INSURANCE COMPANY 0.00%$0 $0 $818 $-1,230N/A
164 CALIFORNIA CASUALTY INDEMNITY EXCHANGE 0.00%$0 $0 $2,646 $1,824N/A
165 GREAT NORTHERN INSURANCE COMPANY 0.00%$0 $0 $19,385 $9,690N/A
166 21ST CENTURY PREMIER INSURANCE COMPANY 0.00%$0 $0 $1,000 $1,000N/A
167 INTEGON INDEMNITY CORPORATION 0.00%$10 $25 $0 $00.00%
168 SECURA INSURANCE A MUTUAL COMPANY 0.00%$970 $965 $0 $-11,091-1149.33%
169 MASSACHUSETTS BAY INSURANCE COMPANY 0.00%$55 $55 $0 $00.00%
170 HANOVER INSURANCE COMPANY THE 0.00%$198 $198 $0 $00.00%
171 INFINITY INSURANCE COMPANY 0.00%$2,111 $1,894 $0 $30.16%
172 GREAT AMERICAN INSURANCE COMPANY OF NEW YORK 0.00%$0 $0 $0 $-2N/A
173 NEW HAMPSHIRE INSURANCE COMPANY 0.00%$0 $0 $14,004 $0N/A
174 MIDWESTERN INDEMNITY COMPANY THE 0.00%$-133 $3,348 $50,572 $-532-15.89%
175 HALLMARK NATIONAL INSURANCE COMPANY 0.00%$-56 $189 $3,378 $-3,873-2049.21%
176 NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG PA 0.00%$0 $0 $4,584 $-12,886N/A
177 NATIONAL INTERSTATE INSURANCE COMPANY 0.00%$1,218 $1,360 $0 $00.00%
178 FARMERS ALLIANCE MUTUAL INSURANCE COMPANY 0.00%$0 $0 $2,000 $1,000N/A
179 GREAT AMERICAN SECURITY INSURANCE COMPANY 0.00%$0 $0 $0 $-1N/A
180 GREAT AMERICAN INSURANCE COMPANY 0.00%$0 $0 $0 $-9N/A
181 INTEGON NATIONAL INSURANCE COMPANY 0.00%$254 $432 $0 $00.00%
182 GREAT AMERICAN ALLIANCE INSURANCE COMPANY 0.00%$0 $0 $0 $-1N/A
183 GREAT AMERICAN ASSURANCE COMPANY 0.00%$0 $0 $0 $-4N/A
184 RESPONSE WORLDWIDE INSURANCE COMPANY 0.00%$-1 $-1,358 $0 $00.00%
185 SAFECO INSURANCE COMPANY OF AMERICA 0.00%$1,251 $1,426 $0 $00.00%
186 OHIO CASUALTY INSURANCE COMPANY 0.00%$151 $156 $0 $-11-7.05%
187 AMERICAN FIRE & CASUALTY COMPANY 0.00%$1,942 $2,112 $0 $00.00%
188 AMERICAN HOME ASSURANCE COMPANY 0.00%$0 $0 $916 $-3,128N/A
189 COMMERCE AND INDUSTRY INSURANCE CO 0.00%$0 $0 $9,133 $0N/A
190 INSURANCE COMPANY OF THE STATE OF PENNSYLVANIA 0.00%$0 $0 $6,494 $4,785N/A
191 AMERICAN AUTOMOBILE INSURANCE COMPANY 0.00%$0 $0 $0 $319N/A
Missouri Totals: ________ 100.00%$84,291,193 $84,419,031 $50,706,224 $50,465,42559.78%