EXHIBIT 99

EMC INSURANCE GROUP INC. REPORTS

2009 THIRD QUARTER RESULTS

Third Quarter 2009

Operating Income Per Share – $0.24

Net Income Per Share – $0.38

Catastrophe and Storm Losses Per Share – $0.79

Large Losses Per Share – $0.40

GAAP Combined Ratio – 107.2 percent

Nine Months Ended September 30, 2009

Operating Income Per Share – $1.58

Net Income Per Share – $1.35

Catastrophe and Storm Losses Per Share – $1.52

Large Losses Per Share –  $1.35

GAAP Combined Ratio – 102.1 percent

Annual Operating Income Guidance Per Share – $1.80 to $2.05

DES MOINES, Iowa (October 23, 2009) - EMC Insurance Group Inc. (Nasdaq/NGS:EMCI) today reported operating income of $3,152,000 ($0.24 per share) for the third quarter ended September 30, 2009, compared to an operating loss of $295,000 ($0.02 per share) for the third quarter of 20081.  For the nine-month period ended September 30, 2009, operating income was $20,920,000 ($1.58 per share) compared to $8,635,000 ($0.63 per share) for the same period in 2008.

Net income, including realized investment gains and losses, totaled $5,051,000 ($0.38 per share) for the third quarter of 2009 compared to a net loss of $9,458,000 ($0.70 per share) for the third quarter of 2008. For the nine-month period ended September 30, 2009, net income was $17,822,000 ($1.35 per share) compared to a net loss of $2,179,000 ($0.16 per share) for the same period in 2008.

“Through the first nine months of 2009, operating results were pretty much in line with our expectations,” stated Bruce G. Kelley, President and Chief Executive Officer. “Premium rates, which began to stabilize somewhat during the second quarter, showed some signs of improvement during the third quarter, and storm losses, while higher than average due to active Midwest weather patterns, were significantly lower than the record amount experienced in 2008.  One development, which contributed significantly to the increase in the book value of our stock during the third quarter, was the rapid recovery in the market value of our investment portfolio.”

Premiums earned remained virtually flat at $96,733,000 for the three months ended September 30, 2009, compared to $96,409,000 for the same period in 2008.  For the nine months ended September 30, 2009, premiums earned decreased 0.9 percent to $285,285,000 from $288,005,000 for the same period in 2008.

Investment income decreased 3.6 percent to $11,805,000 for the third quarter of 2009 from $12,251,000 for the same period in 2008.  For the nine-month period ended September 30, 2009, net investment income decreased 2.6 percent to $35,255,000 from $36,191,000 for the same period in 2008. This decrease in investment income is attributed to a high level of call activity that occurred on the Company’s U.S. Government Agency securities during the first half of 2009 as a result of the low interest rate environment, a decline in yield on short-term investments and the elimination of dividends on the Federal Home Loan Mortgage Corporation (Freddie Mac) and the Federal National Mortgage Association (Fannie Mae) preferred stocks in 2008.  As of September 30, 2009, the majority of the proceeds received from the called securities had been reinvested.

“Other-than-temporary” investment impairment losses declined to $611,000 in the third quarter of 2009 from $17,075,000 for the same period in 2008.  For the first nine months of 2009, “other-than-temporary” investment impairment losses totaled $9,727,000, compared to $21,672,000 for the same period in 2008.

The Company has historically reported catastrophe and storm losses net of development experienced on prior years’ catastrophe and storm losses.  This has not had a material impact on the reported amounts because development associated with prior years’ catastrophe and storm losses has historically been relatively small.  During 2009, however, the Company has experienced a larger amount of favorable development related to the record amount of catastrophe and storm losses incurred in 2008. As a result, the Company is changing its reporting of catastrophe and storms losses to include only current accident year events.  Any material amount of development experienced on prior accident year catastrophe and storm losses will be reported separately.  This change in reporting does not have any impact on the reported amounts of operating income or net income; it only affects the reported amounts of catastrophe and storm losses.

Catastrophe and storm losses totaled $16,032,000 ($0.79 per share after tax) in the third quarter of 2009 compared to $20,088,000 ($0.97 per share after tax) in the third quarter of 2008.  For the first nine months of 2009, catastrophe and storm losses totaled $30,945,000 ($1.52 per share after tax) compared to a record $50,426,000 ($2.41 per share after tax) for the same period in 2008.  Catastrophe and storm losses accounted for 10.8 percentage points of the combined ratio for the first nine months of 2009, which is substantially higher than the 8-year average (excluding the record catastrophe and storm losses of 2008) of 6.5 percentage points.

The Company experienced favorable development on prior years’ catastrophe and storm losses of $833,000 ($0.04 per share after tax) for the three months ended September 30, 2009, compared to $265,000 ($0.01 per share after tax) for the same period in 2008.  For the nine months ended September 30, 2009, favorable development on prior years’ catastrophe and storm losses totaled $2,969,000 ($0.15 per share after tax), compared to $1,356,000 ($0.06 per share after tax) for the same period in 2008.  Reserves associated with catastrophe and storms losses are event-specific and are initially established based on known exposures and estimates of loss frequency and severity.  As actual loss information is reported, the Company is better able to project the ultimate cost of a loss event.  Changes in the projected ultimate cost of a prior accident year loss event is reported as development, and this development has an impact on the Company’s results of operations because the total amount of the Company’s carried reserves has changed.

Large losses, which the Company defines as losses greater than $250,000, excluding catastrophe and storm losses, declined to $5,329,000 ($0.40 per share after taxes) in the third quarter of 2009 from $7,954,000 ($0.59 per share after taxes) in the same period in 2008.  For the first nine months of 2009, large losses totaled $17,850,000 ($1.35 per share after taxes), compared to $15,973,000 ($1.17 per share after taxes) for the same period in 2008.

The Company’s GAAP combined ratio was 107.2 percent in the third quarter of 2009 compared to 114.8 percent in the third quarter of 2008. For the nine-month period ended September 30, 2009, the Company’s GAAP combined ratio was 102.1 percent compared to 109.3 percent for the same period in 2008.

At September 30, 2009, consolidated assets totaled $1.2 billion, including $1.0 billion in the investment portfolio; stockholders’ equity increased 18.2 percent to $334.3 million; and the net book value of the Company’s stock was $25.41 per share, an increase of 19.2 percent from $21.32 per share at December 31, 2008.

Based on actual results for the first nine months of 2009 and management’s expectations for the remainder of the year, management is reiterating its 2009 operating income guidance of $1.80 to $2.05 per share. This guidance is based on a projected GAAP combined ratio of 103.5 percent for the year.

As of October 10, 2009, 736,133 shares of the Company’s common stock have been purchased under the Company’s $25 million stock repurchase program at a cost of approximately $17.9 million.  The timing and terms of the purchases are determined by management based on market conditions, and the transactions are conducted in accordance with the applicable rules of the SEC.  Common stock purchased under this program is being retired by the Company.  The Company’s parent organization, Employers Mutual Casualty Company, has a stock purchase program in place as well, with about $4.5 million of its $15 million authorization remaining.  This program is currently dormant and will not be reactivated until the Company’s repurchase program is completed.

The Company will hold an earnings teleconference call at 11:00 a.m. eastern daylight time on October 23, 2009 to allow securities analysts, stockholders and other interested parties the opportunity to hear management discuss the Company’s results for the first nine months of 2009, as well as its expectations for the remainder of the year. Dial-in information for the call is toll-free 1-877-407-8031 (International: 1-201-689-8031). The event will be archived and available for digital replay through November 6, 2009. The replay access information is toll-free 1-877-660-6853 (International: 1-201-612-7415); passcodes required for playback: account number 286, conference ID number 334389.

Members of the news media, investors and the general public are invited to access a live webcast of the conference call via http://www.investorcalendar.com or the Company’s investor relations page at www.emcins.com/ir.  The webcast will be archived and available for replay until January 23, 2010. A transcript of the teleconference will also be available on the Company’s website shortly after the completion of the teleconference.

EMC Insurance Group Inc., the publicly-held insurance holding company of EMC Insurance Companies, owns subsidiaries with operations in property and casualty insurance and reinsurance. EMC Insurance Companies is one of the largest property and casualty entities in Iowa and among the top 60 insurance entities nationwide based on premium volume. For more information, visit our website www.emcinsurance.com.

The Private Securities Litigation Reform Act of 1995 provides issuers the opportunity to make cautionary statements regarding forward-looking statements.  Accordingly, any forward-looking statement contained in this report is based on management’s current beliefs, assumptions and expectations of the Company’s future performance, taking into account all information currently available to management.  These beliefs, assumptions and expectations can change as the result of many possible events or factors, not all of which are known to management.  If a change occurs, the Company’s business, financial condition, liquidity, results of operations, plans and objectives may vary materially from those expressed in the forward-looking statements.  The risks and uncertainties that may affect the actual results of the Company include, but are not limited to, the following:

· catastrophic events and the occurrence of significant severe weather conditions;

· the adequacy of loss and settlement expense reserves;

· state and federal legislation and regulations;

· changes in the property and casualty insurance industry, interest rates or the performance of financial markets and the general economy;

· rating agency actions;

· “other-than-temporary” investment impairment losses; and

· other risks and uncertainties inherent to the Company’s business, including those discussed under the heading “Risk Factors” in the Company’s Annual Report on Form 10-K.

Management intends to identify forward-looking statements when using the words “believe”, “expect”, “anticipate”, “estimate”, “project” or similar expressions.  Undue reliance should not be placed on these forward-looking statements.

¹The Company uses a non-GAAP financial measure called “operating income” that management believes is useful to investors because it illustrates the performance of our normal, ongoing operations, which is important in understanding and evaluating our financial condition and results of operations.  While this measure is consistent with measures utilized by investors to evaluate performance, it is not a substitute for the U.S. GAAP financial measure of net income. Therefore, the Company has provided the following reconciliation of this non-GAAP financial measure to the U.S. GAAP financial measure of net income. Management also uses non-GAAP financial measures for goal setting, determining employee and senior management awards and compensation, and evaluating performance.

Reconciliation of operating income to net income:

	Three Months Ended September 30,					Nine Months Ended September 30,
	2009		2008			2009			2008
Operating income (loss)	$	3,151,923	$	(294,833	)	$	20,919,561		$	8,635,478
Net realized investment gains (losses)		1,898,852		(9,162,736	)		(3,097,791	)		(10,814,391	)
Net income (loss)	$	5,050,775	$	(9,457,569	)	$	17,821,770		$	(2,178,913	)

CONSOLIDATED STATEMENTS OF INCOME - UNAUDITED

Quarter Ended September 30, 2009	Property and Casualty Insurance			Reinsurance			Parent Company			Consolidated
Revenues:
Premiums earned	$	77,929,827		$	18,802,990		$	-		$	96,732,817
Investment income, net		8,781,681			3,022,390			739			11,804,810
Other income		224,191			-			-			224,191
		86,935,699			21,825,380			739			108,761,818
Losses and expenses:
Losses and settlement expenses		58,006,003			14,270,242			-			72,276,245
Dividends to policyholders		1,517,886			-			-			1,517,886
Amortization of deferred policy acquisition costs		16,308,495			4,137,666			-			20,446,161
Other underwriting expenses		9,329,480			167,705			-			9,497,185
Interest expense		225,000			-			-			225,000
Other expenses		208,518			728,520			312,684			1,249,722
		85,595,382			19,304,133			312,684			105,212,199
Operating income (loss) before income taxes		1,340,317			2,521,247			(311,945	)		3,549,619
Realized investment gains		2,030,639			890,671			-			2,921,310
Income (loss) before income taxes		3,370,956			3,411,918			(311,945	)		6,470,929
Income tax expense (benefit):
Current		(776,905	)		957,543			(109,181	)		71,457
Deferred		1,406,999			(58,302	)		-			1,348,697
		630,094			899,241			(109,181	)		1,420,154
Net income (loss)	$	2,740,862		$	2,512,677		$	(202,764	)	$	5,050,775
Average shares outstanding											13,229,225
Per Share Data:
Net income (loss) per share - basic and diluted	$	0.21		$	0.19		$	(0.02	)	$	0.38
Catastrophe and storm losses (after tax)	$	(0.81	)	$	0.02		$	-		$	(0.79	)
Dividends per share										$	0.18
Other Information of Interest:
Net written premiums	$	97,034,608		$	19,442,851		$	-		$	116,477,459
Catastrophe and storm losses	$	16,353,571		$	(321,631	)	$	-		$	16,031,940
GAAP Combined Ratio:
Loss ratio		74.4	%		75.9	%		-			74.7	%
Expense ratio		34.9	%		22.9	%		-			32.5	%
		109.3	%		98.8	%		-			107.2	%

Quarter Ended September 30, 2008	Property and Casualty Insurance			Reinsurance			Parent Company			Consolidated
Revenues:
Premiums earned	$	78,959,188		$	17,450,027		$	-		$	96,409,215
Investment income, net		9,174,650			3,017,725			58,817			12,251,192
Other income		191,161			-			-			191,161
		88,324,999			20,467,752			58,817			108,851,568
Losses and expenses:
Losses and settlement expenses		65,502,605			16,141,656			-			81,644,261
Dividends to policyholders		752,432			-			-			752,432
Amortization of deferred policy acquisition costs		16,715,247			3,534,945			-			20,250,192
Other underwriting expenses		7,447,269			596,420			-			8,043,689
Interest expense		225,000			-			-			225,000
Other expenses		113,730			(247,243	)		362,045			228,532
		90,756,283			20,025,778			362,045			111,144,106
Operating income (loss) before income taxes		(2,431,284	)		441,974			(303,228	)		(2,292,538	)
Realized investment losses		(9,516,502	)		(4,580,015	)		-			(14,096,517	)
Loss before income taxes		(11,947,786	)		(4,138,041	)		(303,228	)		(16,389,055	)
Income tax benefit:
Current		(2,331,754	)		(533,162	)		(106,130	)		(2,971,046	)
Deferred		(2,668,411	)		(1,292,029	)		-			(3,960,440	)
		(5,000,165	)		(1,825,191	)		(106,130	)		(6,931,486	)
Net loss	$	(6,947,621	)	$	(2,312,850	)	$	(197,098	)	$	(9,457,569	)
Average shares outstanding											13,413,718
Per Share Data:
Net loss per share - basic and diluted	$	(0.52	)	$	(0.17	)	$	(0.01	)	$	(0.70	)
Catastrophe and storm losses (after tax)	$	(0.74	)	$	(0.23	)	$	-		$	(0.97	)
Dividends per share										$	0.18
Other Information of Interest:
Net written premiums	$	95,377,772		$	17,942,428		$	-		$	113,320,200
Catastrophe and storm losses	$	15,263,795		$	4,824,128		$	-		$	20,087,923
GAAP Combined Ratio:
Loss ratio		83.0	%		92.5	%		-			84.7	%
Expense ratio		31.5	%		23.7	%		-			30.1	%
		114.5	%		116.2	%		-			114.8	%

Nine Months Ended September 30, 2009	Property and Casualty Insurance			Reinsurance			Parent Company			Consolidated
Revenues:
Premiums earned	$	230,558,159		$	54,727,212		$	-		$	285,285,371
Investment income, net		26,334,016			8,905,851			14,796			35,254,663
Other income		575,449			-			-			575,449
		257,467,624			63,633,063			14,796			321,115,483
Losses and expenses:
Losses and settlement expenses		149,833,196			41,383,914			-			191,217,110
Dividends to policyholders		7,273,968			-			-			7,273,968
Amortization of deferred policy acquisition costs		53,481,715			10,497,307			-			63,979,022
Other underwriting expenses		27,692,001			1,242,785			-			28,934,786
Interest expense		675,000			-			-			675,000
Other expenses		614,847			335,396			1,030,633			1,980,876
		239,570,727			53,459,402			1,030,633			294,060,762
Operating income (loss) before income taxes		17,896,897			10,173,661			(1,015,837	)		27,054,721
Realized investment losses		(3,060,164	)		(1,705,669	)		-			(4,765,833	)
Income (loss) before income taxes		14,836,733			8,467,992			(1,015,837	)		22,288,888
Income tax expense (benefit):
Current		3,986,116			2,868,268			(355,543	)		6,498,841
Deferred		(1,083,083	)		(948,640	)		-			(2,031,723	)
		2,903,033			1,919,628			(355,543	)		4,467,118
Net income (loss)	$	11,933,700		$	6,548,364		$	(660,294	)	$	17,821,770
Average shares outstanding											13,238,296
Per Share Data:
Net income (loss) per share - basic and diluted	$	0.90		$	0.49		$	(0.04	)	$	1.35
Catastrophe and storm losses (after tax)	$	(1.41	)	$	(0.11	)	$	-		$	(1.52	)
Dividends per share										$	0.54
Book value per share										$	25.41
Effective tax rate											20.0	%
Annualized net income as a percent of beg. SH equity											8.4	%
Other Information of Interest:
Net written premiums	$	249,621,066		$	54,963,725		$	-		$	304,584,791
Catastrophe and storm losses	$	28,707,772		$	2,237,022		$	-		$	30,944,794
GAAP Combined Ratio:
Loss ratio		65.0	%		75.6	%		-			67.0	%
Expense ratio		38.3	%		21.5	%		-			35.1	%
		103.3	%		97.1	%		-			102.1	%

Nine Months Ended September 30, 2008	Property and Casualty Insurance			Reinsurance			Parent Company			Consolidated
Revenues:
Premiums earned	$	236,513,542		$	51,491,154		$	-		$	288,004,696
Investment income, net		27,112,376			8,940,490			137,913			36,190,779
Other income		499,059			-			-			499,059
		264,124,977			60,431,644			137,913			324,694,534
Losses and expenses:
Losses and settlement expenses		179,680,545			42,307,401			-			221,987,946
Dividends to policyholders		3,028,440			-			-			3,028,440
Amortization of deferred policy acquisition costs		53,993,008			10,662,451			-			64,655,459
Other underwriting expenses		23,447,432			1,726,158			-			25,173,590
Interest expense		664,375			-			-			664,375
Other expenses		412,606			46,960			996,982			1,456,548
		261,226,406			54,742,970			996,982			316,966,358
Operating income (loss) before income taxes		2,898,571			5,688,674			(859,069	)		7,728,176
Realized investment losses		(11,283,993	)		(5,353,531	)		-			(16,637,524	)
Income (loss) before income taxes		(8,385,422	)		335,143			(859,069	)		(8,909,348	)
Income tax expense (benefit):
Current		(3,016,027	)		1,426,153			(300,674	)		(1,890,548	)
Deferred		(2,402,894	)		(2,436,993	)		-			(4,839,887	)
		(5,418,921	)		(1,010,840	)		(300,674	)		(6,730,435	)
Net income (loss)	$	(2,966,501	)	$	1,345,983		$	(558,395	)	$	(2,178,913	)
Average shares outstanding											13,615,224
Per Share Data:
Net income (loss) per share - basic and diluted	$	(0.22	)	$	0.10		$	(0.04	)	$	(0.16	)
Catastrophe and storm losses (after tax)	$	(2.10	)	$	(0.31	)	$	-		$	(2.41	)
Dividends per share										$	0.54
Book value per share										$	22.72
Effective tax rate											(75.5	)%
Annualized net income as a percent of beg. SH equity											(0.9	)%
Other Information of Interest:
Net written premiums	$	249,674,985		$	51,490,156		$	-		$	301,165,141
Catastrophe and storm losses	$	43,969,905		$	6,456,438		$	-		$	50,426,343
GAAP Combined Ratio:
Loss ratio		76.0	%		82.2	%		-			77.1	%
Expense ratio		34.0	%		24.0	%		-			32.2	%
		110.0	%		106.2	%		-			109.3	%

CONSOLIDATED BALANCE SHEETS - UNAUDITED

	September 30, 2009		December 31, 2008
ASSETS
Investments:
Fixed maturities:
Securities held-to-maturity, at amortized cost (fair value $510,831 and $572,852)	$	456,488	$	534,759
Securities available-for-sale, at fair value (amortized cost $804,643,392 and $821,306,951)		843,823,571		812,868,835
Fixed maturity securities on loan:
Securities available-for-sale, at fair value (amortized cost $38,063,415 and $8,923,745)		39,113,081		8,950,052
Equity securities available-for-sale, at fair value (cost $72,907,988 and $75,025,666)		101,720,813		88,372,207
Other long-term investments, at cost		52,832		66,974
Short-term investments, at cost		50,701,465		54,373,082
Total investments		1,035,868,250		965,165,909
Balances resulting from related party transactions with
Employers Mutual:
Reinsurance receivables		32,515,247		36,355,047
Prepaid reinsurance premiums		5,298,918		4,157,055
Deferred policy acquisition costs		39,760,110		34,629,429
Other assets		10,562,938		2,534,076
Indebtedness of related party		14,627,875		-
Cash		314,910		182,538
Accrued investment income		11,059,408		12,108,129
Deferred policy acquisition costs		1,192		-
Accounts receivable		1,191,585		23,041
Income taxes recoverable		3,613,762		11,859,539
Deferred income taxes		9,745,460		30,819,592
Goodwill		941,586		941,586
Securities lending collateral		40,515,470		9,322,863
Total assets	$	1,206,016,711	$	1,108,098,804

	September 30, 2009		December 31, 2008
LIABILITIES
Balances resulting from related party transactions with
Employers Mutual:
Losses and settlement expenses	$	566,343,681	$	573,031,853
Unearned premiums		174,333,965		154,446,205
Other policyholders' funds		7,434,158		6,418,870
Surplus notes payable		25,000,000		25,000,000
Indebtedness to related party		-		20,667,196
Employee retirement plans		21,728,331		19,331,007
Other liabilities		35,283,363		16,964,452
Losses and settlement expenses		1,088,903		-
Unearned premiums		6,165		-
Securities lending obligation		40,515,470		9,322,863
Total liabilities		871,734,036		825,182,446
STOCKHOLDERS' EQUITY
Common stock, $1 par value, authorized 20,000,000 shares; issued and outstanding, 13,154,787 shares in 2009 and 13,267,668 shares in 2008		13,154,787		13,267,668
Additional paid-in capital		93,532,583		95,639,349
Accumulated other comprehensive income (loss)		32,337,263		(9,930,112	)
Retained earnings		195,258,042		183,939,453
Total stockholders' equity		334,282,675		282,916,358
Total liabilities and stockholders' equity	$	1,206,016,711	$	1,108,098,804

The Company had total cash and invested assets with a carrying value of $1.0 billion and $965.3 million as of September 30, 2009 and December 31, 2008, respectively.  The following table summarizes the Company’s cash and invested assets as of the dates indicated:

	September 30, 2009
($ in thousands)	Amortized Cost		Fair Value		Percent of Total Fair Value			Carrying Value
Fixed maturity securities held-to-maturity	$	457	$	511		0.1	%	$	457
Fixed maturity securities available-for-sale		842,707		882,937		85.2	%		882,937
Equity securities available-for-sale		72,908		101,721		9.8	%		101,721
Cash		315		315		-			315
Short-term investments		50,701		50,701		4.9	%		50,701
Other long-term investments		52		52		-			52
	$	967,140	$	1,036,237		100.0	%	$	1,036,183

	December 31, 2008
($ in thousands)	Amortized Cost		Fair Value		Percent of Total Fair Value			Carrying Value
Fixed maturity securities held-to-maturity	$	535	$	573		0.1	%	$	535
Fixed maturity securities available-for-sale		830,231		821,819		85.1	%		821,819
Equity securities available-for-sale		75,026		88,372		9.2	%		88,372
Cash		182		182		-			182
Short-term investments		54,373		54,373		5.6	%		54,373
Other long-term investments		67		67		-			67
	$	960,414	$	965,386		100.0	%	$	965,348

NET WRITTEN PREMIUMS

	Three Months Ended September 30, 2009						Nine Months ended September 30, 2009
	Percent of Net Written Premiums			Percent of Increase/ (Decrease) in Net Written Premiums			Percent of Net Written Premiums			Percent of Increase/ (Decrease) in Net Written Premiums
Property and Casualty Insurance
Commercial Lines:
Automobile		15.8	%		(2.9	) %		16.9	%		(3.8	) %
Liability		15.5	%		(5.1	) %		16.4	%		(6.8	) %
Property		17.6	%		5.3	%		16.8	%		4.5	%
Workers' Compensation		21.4	%		3.2	%		18.1	%		1.9	%
Other		2.1	%		(7.8	) %		2.2	%		(3.1	) %
Total Commercial Lines		72.4	%		0.1	%		70.4	%		(1.3	) %
Personal Lines:
Automobile		6.2	%		27.4	%		6.6	%		16.6	%
Property		4.6	%		0.6	%		4.7	%		(1.0	) %
Liability		0.1	%		(3.3	) %		0.2	%		(6.0	) %
Total Personal Lines		10.9	%		14.2	%		11.5	%		8.3	%
Total Property and Casualty Insurance		83.3	%		1.7	%		81.9	%		-	%
Reinsurance		16.7	%		8.4	%		18.1	%		6.7	%
Total		100.0	%		2.8	%		100.0	%		1.1	%