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 $12,615,03259.72%
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 CINCINNATI INSURANCE COMPANY THE 0.12%$100,692 $91,305 $70,092 $114,502125.41%
63 METROPOLITAN GROUP PROPERTY & CASUALTY INSURANCE COMPANY 0.12%$98,684 $98,118 $60,558 $77,09178.57%
64 ALFA VISION INSURANCE CORPORATION 0.12%$97,565 $89,637 $27,068 $27,56730.75%
65 21ST CENTURY NORTH AMERICA INSURANCE COMPANY 0.12%$102,630 $110,781 $57,372 $50,12845.25%
66 CONSUMERS INSURANCE USA INC 0.11%$92,960 $96,451 $90,304 $73,77676.49%
67 METROPOLITAN PROPERTY & CASUALTY INSURANCE COMPANY 0.11%$90,398 $87,571 $44,743 $37,06742.33%
68 1ST AUTO & CASUALTY INSURANCE COMPANY 0.10%$83,471 $80,075 $85,746 $99,863124.71%
69 GRINNELL MUTUAL REINSURANCE COMPANY 0.10%$88,209 $87,627 $74,131 $46,13252.65%
70 SENTRY INSURANCE A MUTUAL COMPANY 0.10%$87,383 $93,903 $45,225 $19,89621.19%
71 FIREMANS FUND INSURANCE COMPANY 0.08%$66,839 $69,173 $33,009 $16,30023.56%
72 NATIONAL GENERAL INSURANCE COMPANY 0.08%$66,559 $70,076 $96,493 $87,566124.96%
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 SECURA SUPREME INSURANCE COMPANY 0.06%$50,556 $50,692 $17,546 $7,94415.67%
76 EMCASCO INSURANCE COMPANY 0.06%$48,971 $49,186 $19,294 $24,59250.00%
77 STANDARD FIRE INSURANCE COMPANY 0.06%$47,115 $6,316 $0 $00.00%
78 UNITRIN PREFERRED INSURANCE COMPANY 0.06%$46,385 $48,362 $35,698 $37,83078.22%
79 ESSENTIA INSURANCE COMPANY 0.06%$54,322 $28,258 $12 $8,91831.56%
80 EQUITY INSURANCE COMPANY 0.06%$53,033 $52,065 $701,324 $606,9841165.82%
81 TRAVELERS PROPERTY CASUALTY INSURANCE COMPANY 0.06%$51,815 $53,785 $34,884 $27,38950.92%
82 UNITED FIRE AND CASUALTY COMPANY 0.06%$51,490 $52,015 $13,632 $23,75545.67%
83 ASSURANCEAMERICA INSURANCE COMPANY 0.05%$38,567 $36,840 $7,945 $11,81932.08%
84 SHELTER GENERAL INSURANCE COMPANY 0.05%$39,614 $46,967 $48,949 $6,48113.80%
85 YOUNG AMERICA INSURANCE COMPANY 0.05%$44,626 $45,756 $42,051 $39,10885.47%
86 STATE AUTO PROPERTY & CASUALTY INSURANCE COMPANY 0.05%$39,708 $43,497 $35,014 $21,99850.57%
87 FIRST LIBERTY INSURANCE CORP THE 0.04%$32,474 $38,062 $21,961 $11,08829.13%
88 TRADERS INSURANCE COMPANY 0.04%$29,698 $28,335 $19,204 $33,896119.63%
89 ALLSTATE INDEMNITY COMPANY 0.04%$30,903 $28,045 $25,112 $26,04592.87%
90 HARTFORD INSURANCE COMPANY OF MIDWEST THE 0.04%$33,703 $40,016 $45,587 $10,92827.31%
91 ECONOMY PREMIER ASSURANCE COMPANY 0.03%$24,475 $26,927 $11,480 $2,5349.41%
92 LM INSURANCE CORPORATION 0.03%$28,562 $23,704 $11,378 $25,339106.90%
93 ALPHA PROPERTY & CASUALTY INSURANCE CO 0.03%$21,410 $19,040 $5,000 $1,0105.30%
94 NATIONAL SURETY CORPORATION 0.03%$28,415 $26,652 $61,411 $72,521272.10%
95 MENDOTA INSURANCE COMPANY 0.02%$19,662 $26,332 $15,188 $5,18819.70%
96 HARTFORD CASUALTY INSURANCE CO 0.02%$16,030 $15,926 $7,191 $6824.28%
97 ENCOMPASS INSURANCE COMPANY OF AMERICA 0.02%$19,903 $21,544 $15,631 $10,88850.54%
98 COUNTRY CASUALTY INSURANCE COMPANY 0.02%$15,109 $13,703 $0 $-2,646-19.31%
99 UNITRIN DIRECT PROPERTY & CASUALTY COMPANY 0.02%$19,021 $19,959 $3,053 $3,94919.79%
100 SENTINEL INSURANCE COMPANY LTD 0.02%$15,775 $14,387 $10,502 $11,38479.13%
101 PERMANENT GENERAL ASSURANCE CORPORATION 0.02%$16,611 $16,139 $14,065 $19,080118.22%
102 AMERICAN MODERN HOME INSURANCE CO 0.02%$16,020 $15,143 $0 $00.00%
103 METROPOLITAN DIRECT PROPERTY AND CASUALTY INSURANCE COMPANY 0.02%$14,254 $14,927 $8,749 $-1,175-7.87%
104 NEW SOUTH INSURANCE COMPANY 0.02%$16,312 $17,935 $6,387 $5,14628.69%
105 PHARMACISTS MUTUAL INSURANCE COMPANY 0.02%$14,443 $14,935 $9,500 $9,13561.17%
106 SAGAMORE INSURANCE COMPANY 0.02%$20,539 $20,704 $7,000 $3,25115.70%
107 WARNER INSURANCE COMPANY 0.02%$17,172 $20,816 $32,124 $8,91342.82%
108 STILLWATER INSURANCE COMPANY 0.02%$15,629 $16,739 $2,553 $520.31%
109 PHILADELPHIA INDEMNITY INSURANCE COMPANY 0.01%$4,859 $5,248 $1,797 $3,03057.74%
110 WORKMENS AUTO INSURANCE COMPANY 0.01%$6,256 $11,628 $2,500 $-7,198-61.90%
111 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA 0.01%$8,980 $8,785 $0 $00.00%
112 INSUREMAX INSURANCE COMPANY 0.01%$12,286 $13,744 $10,811 $10,43375.91%
113 EMPLOYERS MUTUAL CASUALTY COMPANY 0.01%$5,807 $5,591 $5,000 $-450-8.05%
114 MADISON MUTUAL INSURANCE COMPANY 0.01%$7,634 $4,627 $0 $1,00021.61%
115 FARMERS MUTUAL HAIL INSURANCE COMPANY OF IOWA 0.01%$11,303 $8,666 $0 $00.00%
116 FOREMOST PROPERTY AND CASUALTY INSURANCE COMPANY 0.01%$8,597 $8,217 $0 $00.00%
117 KEMPER INDEPENDENCE INSURANCE COMPANY 0.01%$7,085 $8,200 $0 $00.00%
118 MID CENTURY INSURANCE COMPANY 0.01%$11,545 $20,388 $5,033 $-4,931-24.19%
119 MERASTAR INSURANCE COMPANY 0.01%$4,705 $4,854 $12,500 $5,250108.16%
120 AMERICAN MODERN SELECT INSURANCE COMPANY 0.01%$10,979 $11,263 $0 $00.00%
121 METROPOLITAN CASUALTY INSURANCE COMPANY 0.01%$4,947 $5,252 $1,253 $2,82053.69%
122 NATIONAL GENERAL ASSURANCE COMPANY 0.01%$7,937 $8,507 $2,708 $4255.00%
123 AUTO CLUB FAMILY INSURANCE COMPANY 0.01%$6,531 $7,942 $2,000 $-676-8.51%
124 DIRECT GENERAL INSURANCE COMPANY 0.01%$5,283 $3,040 $1,000 $50016.45%
125 MARKEL AMERICAN INSURANCE COMPANY 0.01%$5,058 $5,116 $10,185 $1,73033.82%
126 AFFIRMATIVE INSURANCE COMPANY 0.01%$8,973 $12,077 $8,617 $9,35077.42%
127 HARTFORD ACCIDENT & INDEMNITY CO 0.01%$5,463 $6,065 $1,806 $98816.29%
128 AMERICAN NATIONAL GENERAL INSURANCE COMPANY 0.01%$9,858 $12,779 $17,853 $56,438441.65%
129 IRONSHORE INDEMNITY INC 0.01%$11,655 $11,145 $0 $00.00%
130 HALLMARK INSURANCE COMPANY 0.01%$5,867 $9,151 $13,679 $11,026120.49%
131 WEST AMERICAN INSURANCE COMPANY 0.01%$10,928 $11,633 $5,075 $1,93416.63%
132 MIC GENERAL INSURANCE CORPORATION 0.01%$8,631 $10,080 $-1,863 $-222-2.20%
133 INFINITY ASSURANCE INSURANCE COMPANY 0.00%$0 $0 $0 $-27N/A
134 RLI INSURANCE COMPANY 0.00%$1,762 $871 $0 $38043.63%
135 TRAVELERS PERSONAL INSURANCE COMPANY 0.00%$0 $0 $-17 $-17N/A
136 ALLSTATE VEHICLE AND PROPERTY INSURANCE COMPANY 0.00%$0 $0 $0 $-1N/A
137 PACIFIC SPECIALTY INSURANCE COMPANY 0.00%$253 $328 $0 $00.00%
138 CHARTER INDEMNITY COMPANY 0.00%$1,525 $2,218 $1,000 $1,00045.09%
139 MILLERS CLASSIFIED INSURANCE COMPANY 0.00%$-27 $460 $7,084 $-12,204-2653.04%
140 GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY 0.00%$0 $7 $0 $-42-600.00%
141 CHUBB NATIONAL INSURANCE COMPANY 0.00%$0 $0 $9,645 $25,335N/A
142 21ST CENTURY INSURANCE COMPANY 0.00%$0 $0 $0 $62N/A
143 AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS 0.00%$-3 $16 $0 $00.00%
144 PROGRESSIVE CLASSIC INSURANCE COMPANY 0.00%$0 $0 $0 $1,291N/A
145 FIRST ACCEPTANCE INSURANCE COMPANY INC 0.00%$4,213 $4,506 $3,000 $1,91142.41%
146 RESPONSE INSURANCE COMPANY 0.00%$107 $1,198 $1,881 $1,450121.04%
147 VICTORIA FIRE & CASUALTY COMPANY 0.00%$171 $171 $0 $116.43%
148 GUIDEONE ELITE INSURANCE COMPANY 0.00%$-21 $846 $2,000 $-5,740-678.49%
149 INFINITY AUTO INSURANCE COMPANY 0.00%$0 $0 $0 $-10N/A
150 LIBERTY INSURANCE CORPORATION 0.00%$2,090 $2,409 $0 $00.00%
151 GUIDEONE AMERICA INSURANCE COMPANY 0.00%$87 $2,572 $36,321 $-12,094-470.22%
152 ALLMERICA FINANCIAL BENEFIT INSURANCE COMPANY 0.00%$-20 $25 $0 $00.00%
153 FOREMOST SIGNATURE INSURANCE COMPANY 0.00%$0 $0 $0 $-3N/A
154 BENCHMARK INSURANCE COMPANY 0.00%$3,809 $3,550 $900 $2,53871.49%
155 TRIUMPHE CASUALTY COMPANY 0.00%$453 $582 $0 $00.00%
156 METROPOLITAN GENERAL INSURANCE COMPANY 0.00%$1,024 $1,048 $1,229 $1,242118.51%
157 GREAT AMERICAN SPIRIT INSURANCE COMPANY 0.00%$0 $0 $0 $-1N/A
158 PROGRESSIVE SPECIALTY INSURANCE COMPANY 0.00%$0 $0 $0 $318N/A
159 HARTFORD FIRE INSURANCE COMPANY 0.00%$3,678 $3,763 $2,524 $5,521146.72%
160 ARGONAUT INSURANCE COMPANY 0.00%$0 $0 $0 $-136N/A
161 FINANCIAL INDEMNITY COMPANY 0.00%$2,153 $2,463 $800 $80032.48%
162 MIDDLESEX INSURANCE COMPANY 0.00%$0 $0 $818 $-1,230N/A
163 CALIFORNIA CASUALTY INDEMNITY EXCHANGE 0.00%$0 $0 $2,646 $1,824N/A
164 GREAT NORTHERN INSURANCE COMPANY 0.00%$0 $0 $19,385 $9,690N/A
165 21ST CENTURY PREMIER INSURANCE COMPANY 0.00%$0 $0 $1,000 $1,000N/A
166 INTEGON GENERAL INSURANCE CORPORATION 0.00%$152 $196 $0 $00.00%
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 INTERSTATE INSURANCE COMPANY 0.00%$1,218 $1,360 $0 $00.00%
177 FARMERS ALLIANCE MUTUAL INSURANCE COMPANY 0.00%$0 $0 $2,000 $1,000N/A
178 GREAT AMERICAN SECURITY INSURANCE COMPANY 0.00%$0 $0 $0 $-1N/A
179 INTEGON NATIONAL INSURANCE COMPANY 0.00%$254 $432 $0 $00.00%
180 GREAT AMERICAN INSURANCE COMPANY 0.00%$0 $0 $0 $-9N/A
181 GREAT AMERICAN ALLIANCE INSURANCE COMPANY 0.00%$0 $0 $0 $-1N/A
182 GREAT AMERICAN ASSURANCE COMPANY 0.00%$0 $0 $0 $-4N/A
183 RESPONSE WORLDWIDE INSURANCE COMPANY 0.00%$-1 $-1,358 $0 $00.00%
184 SAFECO INSURANCE COMPANY OF AMERICA 0.00%$1,251 $1,426 $0 $00.00%
185 OHIO CASUALTY INSURANCE COMPANY 0.00%$151 $156 $0 $-11-7.05%
186 AMERICAN FIRE & CASUALTY COMPANY 0.00%$1,942 $2,112 $0 $00.00%
187 AMERICAN HOME ASSURANCE COMPANY 0.00%$0 $0 $916 $-3,128N/A
188 COMMERCE AND INDUSTRY INSURANCE CO 0.00%$0 $0 $9,133 $0N/A
189 INSURANCE COMPANY OF THE STATE OF PENNSYLVANIA 0.00%$0 $0 $6,494 $4,785N/A
190 NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG PA 0.00%$0 $0 $4,584 $-12,886N/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%