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 TRUMBULL INSURANCE COMPANY 0.64%$542,548 $516,276 $211,341 $259,76650.32%
24 GOVERNMENT EMPLOYEES INSURANCE CO 0.64%$543,127 $558,563 $266,152 $278,48549.86%
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 CAMERON MUTUAL INSURANCE COMPANY 0.50%$418,129 $434,371 $325,513 $375,76986.51%
32 AMERICAN NATIONAL PROPERTY & CASUALTY COMPANY 0.50%$424,121 $420,286 $264,303 $305,97172.80%
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 HARTFORD UNDERWRITERS INSURANCE COMPANY 0.41%$347,679 $372,455 $253,216 $203,46854.63%
39 OWNERS INSURANCE COMPANY 0.41%$346,585 $345,881 $138,615 $176,77751.11%
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 BRISTOL WEST INSURANCE COMPANY 0.31%$259,152 $255,478 $137,213 $136,70653.51%
43 FOREMOST INSURANCE COMPANY GRAND RAPIDS MICHIGAN 0.31%$262,794 $262,259 $0 $00.00%
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 SAFE AUTO INSURANCE COMPANY 0.25%$212,751 $222,891 $189,112 $164,39573.76%
48 AUTO OWNERS INSURANCE COMPANY 0.25%$208,026 $211,070 $140,361 $156,39274.09%
49 ESURANCE PROPERTY & CASUALTY INSURANCE COMPANY 0.23%$193,839 $179,530 $239,714 $277,756154.71%
50 ACUITY A MUTUAL INSURANCE COMPANY 0.22%$188,603 $187,622 $98,064 $80,10842.70%
51 GRINNELL SELECT INSURANCE COMPANY 0.22%$186,044 $179,028 $157,215 $249,722139.49%
52 COUNTRY MUTUAL INSURANCE COMPANY 0.22%$182,763 $185,313 $147,459 $113,06161.01%
53 GUIDEONE MUTUAL INSURANCE COMPANY 0.19%$160,008 $163,931 $56,028 $89,26054.45%
54 HAULERS INSURANCE COMPANY INC 0.16%$133,181 $135,873 $92,774 $88,68565.27%
55 AMICA MUTUAL INSURANCE COMPANY 0.16%$134,671 $133,206 $34,008 $-27,538-20.67%
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 ALFA SPECIALTY INSURANCE CORPORATION 0.13%$110,576 $113,435 $38,914 $41,41436.51%
60 ESURANCE INSURANCE COMPANY 0.13%$109,310 $118,968 $100,794 $113,62495.51%
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 21ST CENTURY NORTH AMERICA INSURANCE COMPANY 0.12%$102,630 $110,781 $57,372 $50,12845.25%
64 ALFA VISION INSURANCE CORPORATION 0.12%$97,565 $89,637 $27,068 $27,56730.75%
65 METROPOLITAN GROUP PROPERTY & CASUALTY INSURANCE COMPANY 0.12%$98,684 $98,118 $60,558 $77,09178.57%
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 SENTRY INSURANCE A MUTUAL COMPANY 0.10%$87,383 $93,903 $45,225 $19,89621.19%
70 GRINNELL MUTUAL REINSURANCE COMPANY 0.10%$88,209 $87,627 $74,131 $46,13252.65%
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 UNITRIN PREFERRED INSURANCE COMPANY 0.06%$46,385 $48,362 $35,698 $37,83078.22%
76 STANDARD FIRE INSURANCE COMPANY 0.06%$47,115 $6,316 $0 $00.00%
77 EMCASCO INSURANCE COMPANY 0.06%$48,971 $49,186 $19,294 $24,59250.00%
78 UNITED FIRE AND CASUALTY COMPANY 0.06%$51,490 $52,015 $13,632 $23,75545.67%
79 SECURA SUPREME INSURANCE COMPANY 0.06%$50,556 $50,692 $17,546 $7,94415.67%
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 SHELTER GENERAL INSURANCE COMPANY 0.05%$39,614 $46,967 $48,949 $6,48113.80%
84 ASSURANCEAMERICA INSURANCE COMPANY 0.05%$38,567 $36,840 $7,945 $11,81932.08%
85 STATE AUTO PROPERTY & CASUALTY INSURANCE COMPANY 0.05%$39,708 $43,497 $35,014 $21,99850.57%
86 YOUNG AMERICA INSURANCE COMPANY 0.05%$44,626 $45,756 $42,051 $39,10885.47%
87 TRADERS INSURANCE COMPANY 0.04%$29,698 $28,335 $19,204 $33,896119.63%
88 FIRST LIBERTY INSURANCE CORP THE 0.04%$32,474 $38,062 $21,961 $11,08829.13%
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 ALPHA PROPERTY & CASUALTY INSURANCE CO 0.03%$21,410 $19,040 $5,000 $1,0105.30%
92 LM INSURANCE CORPORATION 0.03%$28,562 $23,704 $11,378 $25,339106.90%
93 NATIONAL SURETY CORPORATION 0.03%$28,415 $26,652 $61,411 $72,521272.10%
94 ECONOMY PREMIER ASSURANCE COMPANY 0.03%$24,475 $26,927 $11,480 $2,5349.41%
95 PHARMACISTS MUTUAL INSURANCE COMPANY 0.02%$14,443 $14,935 $9,500 $9,13561.17%
96 NEW SOUTH INSURANCE COMPANY 0.02%$16,312 $17,935 $6,387 $5,14628.69%
97 SENTINEL INSURANCE COMPANY LTD 0.02%$15,775 $14,387 $10,502 $11,38479.13%
98 COUNTRY CASUALTY INSURANCE COMPANY 0.02%$15,109 $13,703 $0 $-2,646-19.31%
99 PERMANENT GENERAL ASSURANCE CORPORATION 0.02%$16,611 $16,139 $14,065 $19,080118.22%
100 UNITRIN DIRECT PROPERTY & CASUALTY COMPANY 0.02%$19,021 $19,959 $3,053 $3,94919.79%
101 AMERICAN MODERN HOME INSURANCE CO 0.02%$16,020 $15,143 $0 $00.00%
102 WARNER INSURANCE COMPANY 0.02%$17,172 $20,816 $32,124 $8,91342.82%
103 ENCOMPASS INSURANCE COMPANY OF AMERICA 0.02%$19,903 $21,544 $15,631 $10,88850.54%
104 METROPOLITAN DIRECT PROPERTY AND CASUALTY INSURANCE COMPANY 0.02%$14,254 $14,927 $8,749 $-1,175-7.87%
105 STILLWATER INSURANCE COMPANY 0.02%$15,629 $16,739 $2,553 $520.31%
106 MENDOTA INSURANCE COMPANY 0.02%$19,662 $26,332 $15,188 $5,18819.70%
107 SAGAMORE INSURANCE COMPANY 0.02%$20,539 $20,704 $7,000 $3,25115.70%
108 HARTFORD CASUALTY INSURANCE CO 0.02%$16,030 $15,926 $7,191 $6824.28%
109 NATIONAL GENERAL ASSURANCE COMPANY 0.01%$7,937 $8,507 $2,708 $4255.00%
110 PHILADELPHIA INDEMNITY INSURANCE COMPANY 0.01%$4,859 $5,248 $1,797 $3,03057.74%
111 FARMERS MUTUAL HAIL INSURANCE COMPANY OF IOWA 0.01%$11,303 $8,666 $0 $00.00%
112 DIRECT GENERAL INSURANCE COMPANY 0.01%$5,283 $3,040 $1,000 $50016.45%
113 AMERICAN NATIONAL GENERAL INSURANCE COMPANY 0.01%$9,858 $12,779 $17,853 $56,438441.65%
114 MADISON MUTUAL INSURANCE COMPANY 0.01%$7,634 $4,627 $0 $1,00021.61%
115 AMERICAN MODERN SELECT INSURANCE COMPANY 0.01%$10,979 $11,263 $0 $00.00%
116 MIC GENERAL INSURANCE CORPORATION 0.01%$8,631 $10,080 $-1,863 $-222-2.20%
117 WORKMENS AUTO INSURANCE COMPANY 0.01%$6,256 $11,628 $2,500 $-7,198-61.90%
118 MID CENTURY INSURANCE COMPANY 0.01%$11,545 $20,388 $5,033 $-4,931-24.19%
119 EMPLOYERS MUTUAL CASUALTY COMPANY 0.01%$5,807 $5,591 $5,000 $-450-8.05%
120 HALLMARK INSURANCE COMPANY 0.01%$5,867 $9,151 $13,679 $11,026120.49%
121 WEST AMERICAN INSURANCE COMPANY 0.01%$10,928 $11,633 $5,075 $1,93416.63%
122 MERASTAR INSURANCE COMPANY 0.01%$4,705 $4,854 $12,500 $5,250108.16%
123 IRONSHORE INDEMNITY INC 0.01%$11,655 $11,145 $0 $00.00%
124 KEMPER INDEPENDENCE INSURANCE COMPANY 0.01%$7,085 $8,200 $0 $00.00%
125 INSUREMAX INSURANCE COMPANY 0.01%$12,286 $13,744 $10,811 $10,43375.91%
126 MARKEL AMERICAN INSURANCE COMPANY 0.01%$5,058 $5,116 $10,185 $1,73033.82%
127 HARTFORD ACCIDENT & INDEMNITY CO 0.01%$5,463 $6,065 $1,806 $98816.29%
128 AUTO CLUB FAMILY INSURANCE COMPANY 0.01%$6,531 $7,942 $2,000 $-676-8.51%
129 FOREMOST PROPERTY AND CASUALTY INSURANCE COMPANY 0.01%$8,597 $8,217 $0 $00.00%
130 METROPOLITAN CASUALTY INSURANCE COMPANY 0.01%$4,947 $5,252 $1,253 $2,82053.69%
131 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA 0.01%$8,980 $8,785 $0 $00.00%
132 AFFIRMATIVE INSURANCE COMPANY 0.01%$8,973 $12,077 $8,617 $9,35077.42%
133 CHUBB NATIONAL INSURANCE COMPANY 0.00%$0 $0 $9,645 $25,335N/A
134 TRIUMPHE CASUALTY COMPANY 0.00%$453 $582 $0 $00.00%
135 FIRST ACCEPTANCE INSURANCE COMPANY INC 0.00%$4,213 $4,506 $3,000 $1,91142.41%
136 AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS 0.00%$-3 $16 $0 $00.00%
137 21ST CENTURY INSURANCE COMPANY 0.00%$0 $0 $0 $62N/A
138 GREAT AMERICAN INSURANCE COMPANY 0.00%$0 $0 $0 $-9N/A
139 RESPONSE INSURANCE COMPANY 0.00%$107 $1,198 $1,881 $1,450121.04%
140 BENCHMARK INSURANCE COMPANY 0.00%$3,809 $3,550 $900 $2,53871.49%
141 GUIDEONE ELITE INSURANCE COMPANY 0.00%$-21 $846 $2,000 $-5,740-678.49%
142 RLI INSURANCE COMPANY 0.00%$1,762 $871 $0 $38043.63%
143 INFINITY AUTO INSURANCE COMPANY 0.00%$0 $0 $0 $-10N/A
144 LIBERTY INSURANCE CORPORATION 0.00%$2,090 $2,409 $0 $00.00%
145 VICTORIA FIRE & CASUALTY COMPANY 0.00%$171 $171 $0 $116.43%
146 PROGRESSIVE CLASSIC INSURANCE COMPANY 0.00%$0 $0 $0 $1,291N/A
147 GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY 0.00%$0 $7 $0 $-42-600.00%
148 ALLMERICA FINANCIAL BENEFIT INSURANCE COMPANY 0.00%$-20 $25 $0 $00.00%
149 FOREMOST SIGNATURE INSURANCE COMPANY 0.00%$0 $0 $0 $-3N/A
150 GUIDEONE AMERICA INSURANCE COMPANY 0.00%$87 $2,572 $36,321 $-12,094-470.22%
151 METROPOLITAN GENERAL INSURANCE COMPANY 0.00%$1,024 $1,048 $1,229 $1,242118.51%
152 MILLERS CLASSIFIED INSURANCE COMPANY 0.00%$-27 $460 $7,084 $-12,204-2653.04%
153 PROGRESSIVE SPECIALTY INSURANCE COMPANY 0.00%$0 $0 $0 $318N/A
154 INTEGON GENERAL INSURANCE CORPORATION 0.00%$152 $196 $0 $00.00%
155 INTEGON INDEMNITY CORPORATION 0.00%$10 $25 $0 $00.00%
156 SECURA INSURANCE A MUTUAL COMPANY 0.00%$970 $965 $0 $-11,091-1149.33%
157 MASSACHUSETTS BAY INSURANCE COMPANY 0.00%$55 $55 $0 $00.00%
158 HANOVER INSURANCE COMPANY THE 0.00%$198 $198 $0 $00.00%
159 INFINITY INSURANCE COMPANY 0.00%$2,111 $1,894 $0 $30.16%
160 GREAT AMERICAN INSURANCE COMPANY OF NEW YORK 0.00%$0 $0 $0 $-2N/A
161 NATIONAL INTERSTATE INSURANCE COMPANY 0.00%$1,218 $1,360 $0 $00.00%
162 MIDDLESEX INSURANCE COMPANY 0.00%$0 $0 $818 $-1,230N/A
163 GREAT AMERICAN ASSURANCE COMPANY 0.00%$0 $0 $0 $-4N/A
164 GREAT AMERICAN ALLIANCE INSURANCE COMPANY 0.00%$0 $0 $0 $-1N/A
165 SAFECO INSURANCE COMPANY OF AMERICA 0.00%$1,251 $1,426 $0 $00.00%
166 INTEGON NATIONAL INSURANCE COMPANY 0.00%$254 $432 $0 $00.00%
167 OHIO CASUALTY INSURANCE COMPANY 0.00%$151 $156 $0 $-11-7.05%
168 AMERICAN FIRE & CASUALTY COMPANY 0.00%$1,942 $2,112 $0 $00.00%
169 GREAT AMERICAN SECURITY INSURANCE COMPANY 0.00%$0 $0 $0 $-1N/A
170 MIDWESTERN INDEMNITY COMPANY THE 0.00%$-133 $3,348 $50,572 $-532-15.89%
171 GREAT AMERICAN SPIRIT INSURANCE COMPANY 0.00%$0 $0 $0 $-1N/A
172 AMERICAN AUTOMOBILE INSURANCE COMPANY 0.00%$0 $0 $0 $319N/A
173 HALLMARK NATIONAL INSURANCE COMPANY 0.00%$-56 $189 $3,378 $-3,873-2049.21%
174 NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURG PA 0.00%$0 $0 $4,584 $-12,886N/A
175 INSURANCE COMPANY OF THE STATE OF PENNSYLVANIA 0.00%$0 $0 $6,494 $4,785N/A
176 COMMERCE AND INDUSTRY INSURANCE CO 0.00%$0 $0 $9,133 $0N/A
177 AMERICAN HOME ASSURANCE COMPANY 0.00%$0 $0 $916 $-3,128N/A
178 TRAVELERS PERSONAL INSURANCE COMPANY 0.00%$0 $0 $-17 $-17N/A
179 FARMERS ALLIANCE MUTUAL INSURANCE COMPANY 0.00%$0 $0 $2,000 $1,000N/A
180 INFINITY ASSURANCE INSURANCE COMPANY 0.00%$0 $0 $0 $-27N/A
181 ALLSTATE VEHICLE AND PROPERTY INSURANCE COMPANY 0.00%$0 $0 $0 $-1N/A
182 HARTFORD FIRE INSURANCE COMPANY 0.00%$3,678 $3,763 $2,524 $5,521146.72%
183 NEW HAMPSHIRE INSURANCE COMPANY 0.00%$0 $0 $14,004 $0N/A
184 CHARTER INDEMNITY COMPANY 0.00%$1,525 $2,218 $1,000 $1,00045.09%
185 21ST CENTURY PREMIER INSURANCE COMPANY 0.00%$0 $0 $1,000 $1,000N/A
186 GREAT NORTHERN INSURANCE COMPANY 0.00%$0 $0 $19,385 $9,690N/A
187 CALIFORNIA CASUALTY INDEMNITY EXCHANGE 0.00%$0 $0 $2,646 $1,824N/A
188 PACIFIC SPECIALTY INSURANCE COMPANY 0.00%$253 $328 $0 $00.00%
189 FINANCIAL INDEMNITY COMPANY 0.00%$2,153 $2,463 $800 $80032.48%
190 ARGONAUT INSURANCE COMPANY 0.00%$0 $0 $0 $-136N/A
191 RESPONSE WORLDWIDE INSURANCE COMPANY 0.00%$-1 $-1,358 $0 $00.00%
Missouri Totals: ________ 100.00%$84,291,193 $84,419,031 $50,706,224 $50,465,42559.78%