LIABILITY FOR LOSSES AND SETTLEMENT EXPENSES (Tables)

12 Months Ended

Dec. 31, 2018

Liability for Future Policy Benefits and Unpaid Claims and Claims Adjustment Expense [Abstract]

Schedule of reconciliation of beginning and ending reserves for losses and settlement expenses

The following table sets forth a reconciliation of beginning and ending reserves for losses and settlement expenses of the Company.  Amounts presented are on a net basis, with a reconciliation of beginning and ending reserves to the gross amounts presented in the consolidated financial statements.

	Year ended December 31,
($ in thousands)	2018			2017			2016
Gross reserves at beginning of year	$	732,612		$	690,532		$	678,774
Re-valuation due to foreign currency exchange rates	525			(1,913		)	(2,475		)
Less ceded reserves at beginning of year	30,923			20,664			23,477
Net reserves at beginning of year	701,164			671,781			657,772
Incurred losses and settlement expenses related to:
Current year	475,843			441,588			427,838
Prior years	(18,684		)	(19,619		)	(40,941		)
Total incurred losses and settlement expenses	457,159			421,969			386,897
Paid losses and settlement expenses related to:
Current year	180,230			179,354			172,652
Prior years	236,905			213,232			200,236
Total paid losses and settlement expenses	417,135			392,586			372,888
Net reserves at end of year	741,188			701,164			671,781
Plus ceded reserves at end of year	36,595			30,923			20,664
Re-valuation due to foreign currency exchange rates	(593		)	525			(1,913		)
Gross reserves at end of year	$	777,190		$	732,612		$	690,532

Short-duration insurance contracts, claims development

($ in thousands)
Commercial auto liability insurance
	Incurred losses and allocated settlement expenses, net of reinsurance, for the years ended December 31,																					As of December 31, 2018
	Supplementary unaudited information																		Audited			Audited		Audited
Accident year	2009		2010		2011		2012		2013		2014		2015		2016		2017		2018			IBNR reserves carried		Cumulative number of reported claims
2009	$	28,973	$	27,923	$	26,667	$	25,370	$	24,986	$	24,874	$	24,730	$	24,655	$	24,697	$	24,677		$	—	10,482
2010			30,377		27,480		26,478		26,401		26,252		26,479		26,166		26,166		26,159			2		11,393
2011					32,775		29,790		31,098		31,961		31,914		31,635		31,638		31,286			—		11,768
2012							32,768		34,235		37,098		37,681		37,693		37,753		37,739			7		11,943
2013									37,265		40,382		42,086		42,336		43,159		43,328			20		13,640
2014											50,342		49,998		51,455		51,933		51,491			390		15,071
2015													53,883		57,824		58,627		59,054			919		16,541
2016															59,468		61,188		62,051			3,451		16,978
2017																	63,909		64,187			9,011		16,468
2018																			70,269			22,856		15,759
																	Total		$	470,241
	Cumulative paid losses and allocated settlement expenses, net of reinsurance, for the years ended December 31,
	Supplementary unaudited information																		Audited
Accident year	2009		2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	6,952	$	12,957	$	17,359	$	21,532	$	24,001	$	24,495	$	24,593	$	24,608	$	24,628	$	24,634
2010			7,025		13,278		19,274		23,547		24,674		25,558		26,039		26,088		26,105
2011					6,801		14,875		22,206		26,598		29,121		30,293		30,878		31,146
2012							8,830		19,398		26,023		32,636		35,406		36,541		37,125
2013									8,729		19,975		29,997		36,232		40,807		42,364
2014											12,069		25,746		37,433		44,783		48,467
2015													13,336		27,424		39,478		50,675
2016															13,583		30,233		43,169
2017																	14,474		31,056
2018																			15,064
																	Total		$	349,805
									All outstanding liabilities before 2009, net of reinsurance										(38		)
							Liability for losses and settlement expenses, net of reinsurance												$	120,398

($ in thousands)
Commercial property insurance
	Incurred losses and allocated settlement expenses, net of reinsurance, for the years ended December 31,																				As of December 31, 2018
	Supplementary unaudited information																		Audited		Audited			Audited
Accident year	2009		2010		2011		2012		2013		2014		2015		2016		2017		2018		IBNR reserves carried			Cumulative number of reported claims
2009	$	39,511	$	36,003	$	35,985	$	35,881	$	35,622	$	35,926	$	36,056	$	36,020	$	36,292	$	36,351	$	—		14,657
2010			40,422		38,650		38,770		39,071		39,154		39,379		39,428		39,347		39,423		1			16,278
2011					58,930		57,614		57,271		57,629		57,703		58,375		58,148		58,122		—			19,511
2012							41,535		44,157		45,313		46,273		46,566		46,750		46,880		(8		)	16,072
2013									50,266		50,976		52,511		53,070		52,966		52,432		(15		)	16,012
2014											60,018		60,990		60,662		60,867		60,250		38			16,755
2015													55,508		56,798		55,659		55,027		(110		)	14,403
2016															59,708		58,343		58,227		(91		)	14,978
2017																	55,459		54,357		(122		)	15,006
2018																			63,623		2,353			12,946
																	Total		$	524,692
	Cumulative paid losses and allocated settlement expenses, net of reinsurance, for the years ended December 31,
	Supplementary unaudited information																		Audited
Accident year	2009		2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	25,321	$	32,602	$	34,624	$	35,422	$	35,803	$	35,803	$	35,849	$	35,893	$	36,224	$	36,246
2010			28,032		35,730		36,931		37,926		38,901		39,314		39,318		39,323		39,368
2011					41,524		53,226		54,803		56,249		57,065		57,607		58,106		58,116
2012							32,879		41,862		43,628		44,543		46,270		46,562		46,708
2013									36,555		47,683		50,460		51,457		52,182		52,266
2014											43,022		55,679		58,045		59,255		59,815
2015													37,208		50,068		52,444		53,405
2016															41,652		51,103		54,681
2017																	38,114		50,280
2018																			43,619
																	Total		$	494,504
									All outstanding liabilities before 2009, net of reinsurance										25
							Liability for losses and settlement expenses, net of reinsurance												$	30,213

($ in thousands)
Workers' compensation insurance
	Incurred losses and allocated settlement expenses, net of reinsurance, for the years ended December 31,																				As of December 31, 2018
	Supplementary unaudited information																		Audited		Audited		Audited
Accident year	2009		2010		2011		2012		2013		2014		2015		2016		2017		2018		IBNR reserves carried		Cumulative number of reported claims
2009	$	46,130	$	43,335	$	44,098	$	44,041	$	44,093	$	43,590	$	43,724	$	42,774	$	43,417	$	43,217	$	1,443	19,242
2010			46,328		49,336		50,057		49,906		49,851		50,069		49,145		49,435		48,884		1,822		19,631
2011					47,836		46,724		44,709		44,506		44,427		43,695		44,056		44,070		1,948		19,574
2012							51,099		50,094		47,756		46,928		45,088		45,276		45,402		1,836		19,395
2013									52,141		51,637		48,946		46,102		45,949		45,910		2,290		19,866
2014											51,515		50,973		47,472		47,836		46,722		2,190		19,473
2015													54,960		48,919		47,227		47,755		2,335		19,227
2016															57,832		48,276		47,719		2,418		20,325
2017																	52,409		55,312		3,938		22,061
2018																			59,480		6,828		21,734
																	Total		$	484,471
	Cumulative paid losses and allocated settlement expenses, net of reinsurance, for the years ended December 31,
	Supplementary unaudited information																		Audited
Accident year	2009		2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	11,879	$	25,157	$	31,802	$	35,363	$	37,409	$	38,329	$	39,167	$	39,583	$	39,908	$	40,223
2010			14,237		28,074		35,029		39,001		41,437		42,651		43,614		44,175		44,669
2011					13,291		26,291		32,237		35,295		37,027		38,437		39,167		39,652
2012							14,015		28,109		33,943		37,307		39,456		40,292		41,092
2013									14,917		29,219		35,061		37,907		39,254		40,061
2014											14,692		28,894		35,883		39,046		40,941
2015													14,956		29,023		35,458		39,310
2016															15,473		29,592		35,778
2017																	16,863		33,234
2018																			19,075
																	Total		$	374,035
									All outstanding liabilities before 2009, net of reinsurance										34,313
							Liability for losses and settlement expenses, net of reinsurance												$	144,749

($ in thousands)
Other liability insurance
	Incurred losses and allocated settlement expenses, net of reinsurance, for the years ended December 31,																				As of December 31, 2018
	Supplementary unaudited information																		Audited		Audited		Audited
Accident year	2009		2010		2011		2012		2013		2014		2015		2016		2017		2018		IBNR reserves carried		Cumulative number of reported claims
2009	$	44,497	$	39,908	$	37,650	$	34,263	$	35,614	$	32,827	$	32,384	$	32,521	$	32,063	$	31,739	$	115	9,855
2010			41,624		36,213		34,655		38,829		36,137		34,655		34,556		33,736		33,359		449		10,155
2011					44,490		42,982		35,125		35,177		33,649		32,452		31,711		31,346		400		10,011
2012							42,661		42,081		41,139		40,275		37,093		37,180		38,050		668		10,073
2013									47,974		43,837		42,544		42,187		39,175		37,055		1,219		10,616
2014											61,382		54,403		52,601		51,047		50,950		2,214		10,966
2015													54,221		47,553		43,379		40,300		3,048		10,709
2016															59,052		56,384		57,388		9,177		10,708
2017																	59,420		57,714		13,844		10,032
2018																			63,505		27,373		9,852
																	Total		$	441,406
	Cumulative paid losses and allocated settlement expenses, net of reinsurance, for the years ended December 31,
	Supplementary unaudited information																		Audited
Accident year	2009		2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	3,294	$	10,707	$	16,718	$	22,276	$	26,255	$	28,172	$	29,722	$	30,176	$	30,488	$	30,993
2010			3,403		8,315		15,041		21,732		27,612		29,688		30,711		31,776		32,083
2011					4,730		10,572		17,308		22,154		25,647		28,228		29,060		29,608
2012							4,720		12,851		19,661		25,095		29,651		32,753		35,903
2013									4,414		11,894		21,122		27,642		31,752		33,350
2014											5,630		17,267		27,506		35,318		40,036
2015													4,331		11,588		19,022		26,309
2016															6,403		18,784		28,638
2017																	6,322		16,555
2018																			5,955
																	Total		$	279,430
									All outstanding liabilities before 2009, net of reinsurance										12,100
							Liability for losses and settlement expenses, net of reinsurance												$	174,076

($ in thousands)
Personal auto liability insurance
	Incurred losses and allocated settlement expenses, net of reinsurance, for the years ended December 31,																				As of December 31, 2018
	Supplementary unaudited information																		Audited		Audited			Audited
Accident year	2009		2010		2011		2012		2013		2014		2015		2016		2017		2018		IBNR reserves carried			Cumulative number of reported claims
2009	$	10,168	$	9,653	$	9,452	$	9,386	$	9,353	$	9,382	$	9,339	$	9,325	$	9,312	$	9,311	$	(1	)	7,524
2010			9,815		9,851		9,736		9,698		9,700		9,656		9,676		9,649		9,638		(1		)	7,438
2011					9,741		9,388		9,331		9,432		9,460		9,311		9,413		9,365		(2		)	8,052
2012							10,917		10,756		11,023		10,731		10,537		10,626		10,610		(3		)	7,875
2013									10,492		10,384		10,376		10,085		10,085		10,060		(1		)	7,237
2014											10,573		9,631		9,331		9,204		9,113		(42		)	6,316
2015													9,119		8,638		8,378		8,225		(18		)	5,670
2016															7,404		6,584		6,490		(1		)	4,720
2017																	7,043		7,213		(13		)	4,728
2018																			7,002		487			4,687
																	Total		$	87,027
	Cumulative paid losses and allocated settlement expenses, net of reinsurance, for the years ended December 31,
	Supplementary unaudited information																		Audited
Accident year	2009		2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	3,564	$	6,393	$	7,966	$	8,905	$	9,049	$	9,194	$	9,204	$	9,278	$	9,314	$	9,313
2010			3,988		6,666		8,250		9,108		9,401		9,562		9,632		9,631		9,636
2011					3,950		6,842		8,129		8,883		9,038		9,153		9,335		9,367
2012							4,779		7,439		9,091		9,871		10,244		10,415		10,565
2013									4,377		7,521		8,985		9,648		9,932		10,021
2014											3,970		6,392		7,755		8,598		8,992
2015													3,800		6,229		7,535		7,975
2016															3,505		5,427		6,046
2017																	3,467		5,735
2018																			3,753
																	Total		$	81,403
									All outstanding liabilities before 2009, net of reinsurance										8
							Liability for losses and settlement expenses, net of reinsurance												$	5,632

($ in thousands)
Homeowners insurance
	Incurred losses and allocated settlement expenses, net of reinsurance, for the years ended December 31,																				As of December 31, 2018
	Supplementary unaudited information																		Audited		Audited			Audited
Accident year	2009		2010		2011		2012		2013		2014		2015		2016		2017		2018		IBNR reserves carried			Cumulative number of reported claims
2009	$	18,109	$	16,606	$	16,467	$	16,379	$	16,352	$	16,394	$	16,465	$	16,464	$	16,467	$	16,467	$	—		11,486
2010			17,875		17,523		17,074		17,053		17,093		17,129		17,146		17,139		17,132		—			12,147
2011					24,530		23,389		22,975		23,309		23,448		23,415		23,350		23,369		—			14,288
2012							16,057		16,496		16,836		16,929		16,892		16,879		16,925		—			10,141
2013									14,844		14,833		14,685		14,784		14,737		14,757		(5		)	8,688
2014											13,228		13,328		13,447		13,427		13,332		(1		)	7,427
2015													11,233		11,153		11,041		11,079		(45		)	5,951
2016															11,801		11,377		11,397		(15		)	7,318
2017																	9,926		9,679		(84		)	7,803
2018																			9,496		(302		)	4,900
																	Total		$	143,633
	Cumulative paid losses and allocated settlement expenses, net of reinsurance, for the years ended December 31,
	Supplementary unaudited information																		Audited
Accident year	2009		2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	12,645	$	15,885	$	16,135	$	16,246	$	16,288	$	16,315	$	16,421	$	16,464	$	16,467	$	16,467
2010			13,457		16,633		16,909		17,011		17,128		17,128		17,130		17,132		17,132
2011					19,828		22,421		22,737		23,136		23,403		23,370		23,368		23,370
2012							13,759		16,283		16,582		16,793		16,859		16,905		16,926
2013									11,735		14,285		14,621		14,681		14,703		14,741
2014											11,065		13,025		13,215		13,269		13,295
2015													8,650		10,456		10,730		10,866
2016															10,573		10,869		11,243
2017																	8,760		9,696
2018																			8,175
																	Total		$	141,911
									All outstanding liabilities before 2009, net of reinsurance										—
							Liability for losses and settlement expenses, net of reinsurance												$	1,722

($ in thousands)
Auto physical damage insurance
	Incurred losses and allocated settlement expenses, net of reinsurance, for the years ended December 31,																					As of December 31, 2018
	Supplementary unaudited information																		Audited			Audited			Audited
Accident year	2009		2010		2011		2012		2013		2014		2015		2016		2017		2018			IBNR reserves carried			Cumulative number of reported claims
2009	$	18,077	$	16,744	$	16,720	$	16,639	$	16,593	$	16,605	$	16,602	$	16,587	$	16,590	$	16,582		$	(17	)	29,427
2010			19,249		18,657		18,538		18,549		18,527		18,532		18,488		18,494		18,497			(22		)	31,523
2011					21,965		21,003		20,919		20,917		20,915		20,877		20,867		20,859			(32		)	34,397
2012							21,389		21,342		21,263		21,233		21,161		21,184		21,172			(40		)	31,111
2013									22,847		22,553		22,486		22,371		22,408		22,353			(52		)	31,042
2014											24,897		24,115		23,904		23,946		23,899			(75		)	31,585
2015													27,950		26,612		26,331		26,224			(96		)	30,672
2016															28,070		27,629		27,595			(158		)	30,752
2017																	28,523		28,589			(393		)	31,486
2018																			32,183			(567		)	30,307
																	Total		$	237,953
	Cumulative paid losses and allocated settlement expenses, net of reinsurance, for the years ended December 31,
	Supplementary unaudited information																		Audited
Accident year	2009		2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	15,566	$	16,661	$	16,687	$	16,636	$	16,592	$	16,603	$	16,602	$	16,601	$	16,599	$	16,599
2010			17,113		18,557		18,529		18,540		18,523		18,528		18,521		18,521		18,518
2011					19,849		20,984		20,912		20,904		20,912		20,900		20,892		20,889
2012							19,719		21,328		21,256		21,227		21,216		21,216		21,210
2013									20,774		22,512		22,463		22,417		22,408		22,403
2014											22,743		24,110		23,987		23,978		23,972
2015													24,483		26,538		26,327		26,308
2016															26,871		27,883		27,742
2017																	27,452		29,050
2018																			29,669
																	Total		$	236,360
									All outstanding liabilities before 2009, net of reinsurance										(3		)
							Liability for losses and settlement expenses, net of reinsurance												$	1,590

($ in thousands)
Assumed pro rata reinsurance
	Incurred losses and allocated settlement expenses, net of reinsurance, for the years ended December 31,																				As of December 31, 2018
	Supplementary unaudited information																		Audited		Audited		Audited
Accident year	2009		2010		2011		2012		2013		2014		2015		2016		2017		2018		IBNR reserves carried		Cumulative number of reported claims
2009	$	23,731	$	19,222	$	18,302	$	17,496	$	17,323	$	17,150	$	17,088	$	17,080	$	17,059	$	16,993	$	173	Unavailable
2010			19,514		17,078		16,456		15,794		15,610		15,396		15,347		15,340		15,313		95
2011					30,093		30,057		29,604		28,838		28,228		28,209		28,110		27,800		117
2012							21,935		21,282		20,823		18,158		17,592		17,380		17,560		296
2013									23,183		29,921		27,260		26,664		25,173		24,428		1,215
2014											31,262		27,525		27,771		26,160		26,300		571
2015													38,311		35,180		34,962		35,748		1,049
2016															35,696		39,143		38,526		4,568
2017																	29,852		33,856		7,545
2018																			23,689		11,484
																	Total		$	260,213
	Cumulative paid losses and allocated settlement expenses, net of reinsurance, for the years ended December 31,
	Supplementary unaudited information																		Audited
Accident year	2009		2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	6,073	$	12,927	$	14,538	$	15,364	$	15,900	$	16,159	$	16,338	$	16,526	$	16,623	$	16,654
2010			5,016		11,940		13,924		14,328		14,978		15,021		15,062		15,107		15,138
2011					10,178		22,859		26,541		27,270		27,677		27,748		27,810		27,911
2012							4,403		12,650		14,935		16,161		16,520		16,598		16,699
2013									3,845		12,491		17,744		20,871		21,601		22,483
2014											5,988		16,046		20,534		23,326		25,141
2015													9,531		21,932		30,205		31,552
2016															9,626		22,131		29,786
2017																	7,645		20,289
2018																			5,103
																	Total		$	210,756
									All outstanding liabilities before 2009, net of reinsurance										2,648
							Liability for losses and settlement expenses, net of reinsurance												$	52,105

($ in thousands)
Assumed excess of loss reinsurance
	Incurred losses and allocated settlement expenses, net of reinsurance, for the years ended December 31,																				As of December 31, 2018
	Supplementary unaudited information																		Audited		Audited		Audited
Accident year	2009		2010		2011		2012		2013		2014		2015		2016		2017		2018		IBNR reserves carried		Cumulative number of reported claims
2009	$	38,883	$	30,534	$	29,969	$	30,499	$	30,150	$	28,215	$	27,895	$	27,125	$	26,905	$	26,654	$	989	Unavailable
2010			47,396		40,962		40,773		40,260		39,629		40,385		39,581		39,119		38,275		912
2011					72,077		61,702		60,873		59,276		59,018		58,632		58,213		57,851		1,143
2012							58,767		56,024		54,421		53,186		52,834		51,940		52,637		1,863
2013									52,392		47,375		44,812		44,658		44,541		43,766		2,283
2014											65,289		58,792		60,144		61,717		64,109		4,345
2015													59,837		54,788		51,570		53,235		4,858
2016															66,569		66,645		65,979		6,469
2017																	91,769		85,061		7,724
2018																			102,174		39,651
																	Total		$	589,741
	Cumulative paid losses and allocated settlement expenses, net of reinsurance, for the years ended December 31,
	Supplementary unaudited information																		Audited
Accident year	2009		2010		2011		2012		2013		2014		2015		2016		2017		2018
2009	$	8,554	$	15,885	$	18,789	$	20,995	$	21,865	$	22,214	$	22,837	$	23,015	$	23,247	$	23,748
2010			9,282		24,736		28,011		30,813		32,654		33,664		35,341		35,600		35,993
2011					25,313		42,175		47,902		50,549		52,546		53,840		54,562		55,137
2012							21,318		36,232		40,601		43,591		45,127		46,688		47,620
2013									11,695		27,477		33,188		37,467		39,246		40,368
2014											22,160		39,153		45,903		49,974		54,898
2015													13,381		30,273		36,617		41,608
2016															18,303		38,565		48,359
2017																	27,837		56,197
2018																			20,371
																	Total		$	424,299
									All outstanding liabilities before 2009, net of reinsurance										18,857
							Liability for losses and settlement expenses, net of reinsurance												$	184,299

Short-duration insurance contracts, reconciliation of claims development to liability

The following table sets forth a reconciliation of the incurred and paid claims development tables to the liability for losses and settlement expenses:

($ in thousands)	December 31, 2018
Net outstanding liabilities for losses and allocated settlement expenses:
Commercial auto liability insurance	$	120,398
Commercial property insurance	30,213
Workers' compensation insurance	144,749
Other liability insurance	174,076
Personal auto liability insurance	5,632
Homeowners insurance	1,722
Auto physical damage insurance	1,590
Assumed pro rata reinsurance	52,105
Assumed excess of loss reinsurance	184,299
Other lines of insurance	1,711
Liability for losses and allocated settlement expenses, net of reinsurance	716,495
Ceded reserves for losses and allocated settlement expenses:
Commercial auto liability insurance	841
Commercial property insurance	9,962
Workers' compensation insurance	12,956
Other liability insurance	3,830
Personal auto liability insurance	1,274
Homeowners insurance	275
Auto physical damage insurance	103
Assumed pro rata reinsurance	5,453
Assumed excess of loss reinsurance	1,109
Other lines of insurance	792
Total ceded reserves for losses and allocated settlement expenses	36,595
Unallocated settlement expenses	24,100
Gross reserve for losses and settlement expenses	$	777,190

Short-duration insurance contracts, schedule of historical claims duration

Average annual percentage payout of incurred claims by age, net of reinsurance
	Supplementary unaudited information
Years	1		2		3		4		5		6		7		8		9		10
Commercial auto liability insurance	23.2	%	25.7	%	21.1	%	16.1	%	7.9	%	3.1	%	1.4	%	0.4	%	0.1	%	0.0	%
Commercial property insurance	70.1	%	20.3	%	4.3	%	2.1	%	1.8	%	0.5	%	0.3	%	0.0	%	0.5	%	0.1	%
Workers' compensation insurance	30.8	%	30.0	%	13.8	%	7.4	%	4.2	%	2.3	%	1.9	%	1.1	%	0.9	%	0.7	%
Other liability insurance	11.3	%	19.8	%	19.9	%	16.9	%	12.3	%	6.6	%	4.8	%	2.1	%	1.0	%	1.6	%
Personal auto liability insurance	45.6	%	29.2	%	14.7	%	8.0	%	2.8	%	1.4	%	1.0	%	0.4	%	0.3	%	0.0	%
Homeowners insurance	83.1	%	13.9	%	2.0	%	0.9	%	0.5	%	0.1	%	0.2	%	0.1	%	0.0	%	0.0	%
Auto physical damage insurance	94.2	%	6.4	%	(0.3	)%	(0.1	)%	(0.1	)%	0.0	%	0.0	%	0.0	%	0.0	%	0.0	%
Assumed pro rata reinsurance	26.5	%	39.6	%	16.3	%	6.3	%	3.5	%	1.2	%	0.6	%	0.6	%	0.4	%	0.2	%
Assumed excess of loss reinsurance	30.7	%	31.5	%	11.0	%	7.4	%	4.4	%	2.3	%	2.4	%	0.8	%	1.0	%	1.9	%