You are cordially invited to attend the Annual Meeting of Shareholders (“Annual Meeting”) of Aflac Incorporated (the “Company”). This year’s Annual Meeting will be a completely “virtual meeting” of shareholders:

	Date and Time			Virtual (online only)(1)			Record Date
	May 3, 2021 10:00 a.m. ET			www.virtualshareholdermeeting.com/AFL2021 Using your 16-digit control number included on your proxy card or notice			February 23, 2021

shareholders.

You will be able to attend the Annual Meeting, vote, and submit your questions during the webcast. The Annual Meeting will be held for the following purposes, all of which are described in the accompanying Proxy Statement:

Proposal 1		FOR
		Description		Board’s Recommendation
Proposal 1 Page 1			To elect as Directors of the Company the elevennominees named in the accompanying Proxy Statementto serve until the next Annual Meeting and until theirsuccessors are duly elected and qualified			FOR each of the eleven director nominees  See page 13.
Proposal 2 Page 29		FOR
To consider a non-binding advisory proposal on theCompany’s executive compensation (“say-on-pay”)		See page 37.
			FOR
Proposal 3 Page 62		FOR
To ratify the appointment of KPMG LLP as theCompany’s independent registered public accountingfirm for the year ending December 31, 20212022				FOR See page 70.

In addition, any other business properly presented may be acted upon at the meeting and at any adjournments or postponements of the meeting.

How to Vote

It is important that you vote your shares. We offer several easy and cost-effective voting methods for your convenience.

	Internet			Telephone			Mail
Visit www.proxyvote.com. You will need the 16-digit control number that appears on your proxy card or notice.			If your shares are held in the name of a broker, bank, or other nominee, follow the telephone voting instructions, if any, provided on your proxy card. If your shares are registered in your name, call 1-800-690-6903 and follow the telephone voting instructions. You will need the 16-digit control number that appears on your proxy card.			If you received a full package by mail, complete and sign the proxy card and return it in the enclosed postage pre-paid envelope.

The accompanying proxy is solicited by the Company’s Board of Directors on behalf of the Company. The Proxy Statement and the Company’s Annual Report on Form 10-K for the year ended December 31, 2020,2021, are enclosed.⁽²⁾ The record date for determining which shareholders are entitled to vote at the Annual Meeting is February 23, 2021.22, 2022. Only shareholders of record at the close of business on that date will be entitled to vote at the Annual Meeting and any adjournment thereof. For more information on how to attend the virtual Annual Meeting, please see Appendix B of the Proxy Statement.

Your vote is important! Even if you expect to attend the virtual Annual Meeting, please vote in advance. If you attend the Annual Meeting online, you may revoke your proxy by submitting a vote during the Annual Meeting.

By orderWe are making the Proxy Statement and the form of the Board of Directors,

J. Matthew Loudermilk

Secretary

proxy first available on or about March 18, 2021

Columbus, Georgia

17, 2022.

By order of the Board of Directors,
J. Matthew Loudermilk Secretary March 17, 2022 Columbus, Georgia	(1)	We continue to monitor developments regarding the coronavirus (COVID-19). In the interest of the health and well-being of our shareholders, the Annual Meeting will be held solely by means of remote communication.
	(2)	Important Notice Regarding the Availability of Proxy Materials for the Annual Meeting to be held on May 3, 2021:2, 2022: This Proxy Statement and the Annual Report are available at proxyvote.com.

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Letter from the Chairman and Chief Executive Officer

March 18, 2021

Dear Fellow Shareholder:

When I wrote this letter last year, it would have been very difficult to foresee the gravity of what was soon to unfold for our society and for our company due to COVID-19. 2020 was certainly a year that tested the world, including all of us at Aflac Incorporated. While pandemic conditions are ongoing, I am proud to say that 2020 confirmed what I knew all along: the Company is strong, adaptable and resilient.

I want to thank you, our shareholders, as well as our employees and our sales distribution for supporting the people-first initiatives we spearheaded in both the U.S. and Japan in response to the COVID-19 pandemic. In Japan and the U.S., these actions included introducing work-from-home staffing models for our employees to ensure business continuity; expanding COVID-19 coverage and enhancing claims payment protocols to help get funds in the hands of policyholders when they needed us most; expanding premium payment grace periods; interest-free loans; virtual technology initiatives for our sales force; and charitable contributions to help frontline workers.

Consistent with our culture and identity as a socially responsible company, and given our remote working conditions, we stepped up our engagement with our employees through virtual town hall meetings and weekly touch-base letters in which we affirmed our commitment to being there for our policyholders, supporting our employees and sales teams personally and professionally, and creating an ongoing dialogue about social justice among other topics. We advanced our Environmental, Social, and Governance (ESG) disclosures with a dedicated report outlining our ESG policies and adoption of a formal reporting framework for going forward. We were pleased to appear on Fortune’s List of World’s Most Admired Companies for the 20^th time, ranking in the Life and Health Category at No. 5 for “Long-Term Investment Value” and No. 3 for both “Use of Corporate Assets” and “Global Competitiveness.”

Even amid the challenges of the current backdrop, we remain focused on helping to provide protection to our policyholders, growing our business, being a good corporate citizen, and driving shareholder value. In doing so, we’ve gained the trust of more than 50 million people worldwide. Following are some additional highlights that stand out from 2020:

GROWTH

While sales were impacted considerably in both Japan and the U.S. due to constrained face-to-face opportunities associated with social distancing protocol and the COVID-19 pandemic, we did anything but sit still. We maintained forward motion, accelerating investment in our platforms and technology while continuing strong earnings performance. In 2020, Aflac Incorporated generated $4.8 billion in net earnings, or $6.67 per diluted share, up 44.6% and 50.6% from last year, respectively, and an increase in adjusted earnings per diluted share on a currency-neutral basis of 10.8% to $4.92, driven by a reduction in the tax rate and higher share accretion. Our results are especially meaningful given pandemic conditions, the low-interest-rate environment in Japan, and absorbing our extensive investments in the business to drive future earned premium growth, which will remain a critical strategic focus for 2021.  

STRATEGIC CAPITAL DEPLOYMENT

We place significant importance on continuing to achieve strong capital ratios in the U.S. and Japan on behalf of our policyholders and shareholders. When it comes to capital deployment, we pursue value creation through a balance of actions including growth investments, stable dividend growth, and disciplined, tactical stock repurchase. Accordingly, our Board of Directors increased the cash dividend 3.7% in 2020, marking the 38^th consecutive year of dividend increases. We are very proud of and seek to extend this track record, which is supported by the strength of our capital and cash flows and evidenced by the announcement of a 17.9% increase in the quarterly cash dividend effective with the first quarter of 2021. Fortunately, we entered this pandemic in a very strong capital and liquidity position, which allowed us to confidently repurchase $1.5 billion, or 37.9 million of our shares, in 2020, consistent with our tactical

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Letter from the Chairman and Chief Executive Officer

approach. We believe our capital position, by any measure, remains robust given our risk profile, and we continue to have among the highest return on capital and lowest cost of capital in the industry. We place significant importance on continuing to achieve a strong risk-based capital (RBC) and solvency margin ratio (SMR) on behalf of our policyholders and shareholders alike in the U.S. and Japan. Through a combination of dividends and share repurchase, we returned about $2.3 billion to our shareholders in 2020.

CORPORATE CULTURE OF DOING THE RIGHT THING – THE AFLAC WAY

While this was a year filled with unparalleled challenges, our belief in fostering and welcoming all forms of diversity and viewpoints in our operations remains unchanged throughout our workforce, management team, and in the composition of our Board. Not only is this the right approach to take, but it enhances our ability to respond to all of our constituents and live up to the commitments we make to our customers, to our fellow employees and to all the people who rely on us.

At Aflac Incorporated, we have worked to be a good corporate citizen for decades. It’s the right thing to do. We have captured our actions in our Corporate Social Responsibility Report for more than 10 years, and will do so in our integrated Business and Sustainability Report going forward. I don’t think it’s a coincidence that we have achieved success while focusing on doing the right things for our policyholders, shareholders, employees, sales distribution, business partners, and communities. I’m proud of what we have accomplished in terms of both our social purpose and financial results, which have ultimately translated into strong, long-term shareholder return.

Doing the right thing is embodied in The Aflac Way, which is woven into the actions of those who represent the Company everywhere. One of the seven commitments of the Aflac Way I referred to in my letter last year was “Treat Everyone with Respect and Care,” and I am proud to say that this commitment was honored time and time again in 2020. This commitment extends to our outreach into the communities in which we do business and operate. This takes shape in various ways within the Aflac family, but most prominently in our dedication to children facing cancer and their families. In addition to marking the 65^th year since Aflac Incorporated’s founding and the Aflac Duck’s 20^th birthday, 2020 marked the 25^th anniversary of our partnership with the Aflac Cancer and Blood Disorders Center of Children’s Healthcare of Atlanta. It also marked the second year in the U.S. and the first full year in Japan of My Special Aflac Duck, our smart comforting companion that helps children feel less alone by using interactive technology during their cancer treatment.

In closing, I would like to express my gratitude to you, our shareholders, for putting your faith, confidence, trust, and resources in Aflac Incorporated. As we look ahead, delivering on our promise to be there for all of our constituents—you, our shareholders; our employees and sales force; and our policyholders and customers—will remain our priority because that is not only what sets us apart, it’s just who we are.

With these updates as a backdrop, it is my pleasure to invite you to virtually attend the 2021 Annual Meeting of Shareholders on Monday, May 3, 2021, where you can learn more about Aflac Incorporated’s recent business performance and strategy for the future. I encourage you to review the enclosed proxy materials and Annual Report on Form 10-K as well as Aflac Incorporated’s 2020 Business and Sustainability Report, which can be found at esg.aflac.com, to learn more about our company and our latest accomplishments. Then, please vote your shares, even if you plan to attend the virtual Annual Meeting. We want to be sure your shares and your viewpoints are represented.

Sincerely,

Daniel P. Amos

CHAIRMAN AND CHIEF EXECUTIVE OFFICER

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Letter from the Lead Non-Management Director

March 18, 2021

To My Fellow Shareholders:

I am privileged to serve as Lead Non-Management Director, working with an esteemed team of Board members who demonstrate expertise and acumen in a broad range of disciplines. In the face of an unimaginable, challenging year, the resolve of this Board was stronger than ever as we leveraged our expertise to oversee Aflac Incorporated’s effective and comprehensive response to the global COVID-19 pandemic. Throughout it all, we worked together as one team, while maintaining corporate governance practices and focusing on our business continuity and strategy. I want to share some of the key areas on which my fellow directors and I have focused this past year.

GLOBAL COVID-19 PANDEMIC RESPONSE: ILLUSTRATES THE IMPORTANCE OF A WELL-ROUNDED BOARD

Just as we promote diversity within our Company operations, we cultivate diversity and well-rounded expertise within our Board to ensure we have a 360-degree view of our operations. Looking at 2020, the importance and benefit from this approach cannot be overstated. For example, the Aflac Incorporated Board drew upon the experience of all its members, and in particular Dr. Barbara Rimer, dean of the University of North Carolina Gillings School of Global Public Health, whose public health expertise was invaluable in helping guide us through the pandemic. Together, the team worked in lockstep to ensure proper oversight and that management was fully engaged in taking care of employees, policyholders, shareholders, and the community as we navigated the pandemic. Notable action-items include the broad expertise in the medical arena that prompted us to pivot early to remote staffing models; the expertise in IT and cybersecurity that helped accelerate virtual technology and protect sensitive information; and the risk oversight that helped ensure controls were in place. While the number of formally planned meetings remained unchanged, the scope of information and communications increased substantially as the Board moved swiftly to take action during this unprecedented time.

STRATEGIC CORPORATE DEVELOPMENT

Early in 2020, it became clear that despite the challenges we were facing, it was vital to advance the momentum of our investment in the long-term growth of our Company. This momentum included integrating and building upon our 2019 acquisition of Argus (now Aflac Dental & Vision) for our planned national launch in 2021 as well as the 2020 closing of our acquisition of Zurich North America’s group benefits business. These two acquisitions help secure a more prominent spot when enrolling policyholders, which better positions Aflac U.S. for future success. Also in 2020, weclosed on a distribution alliance and ownership stake with Trupanion in the quickly growing market of pet insurance.

COMMITMENT TO SUSTAINABILITY

We began establishing, defining, and living Aflac Incorporated’s corporate purpose many years ago, even before this became a topic of interest among our investors. It was first thought of as the way we operate and later as the Aflac Way — guiding principles that exemplifies the compassion, ethics and spirit of the Company. The Aflac Way is an integral part of our corporate social responsibility and sustainability in creating long-term value for shareholders. We have seen moreinterest in Environmental, Social, and Governance (ESG) topics from investors and other stakeholders over the last several years. Consistent with our culture as a socially responsible company, we have advanced our ESG disclosures with a dedicated report outlining our ESG policies and capturing ourefforts through key disclosure frameworks, namely the Sustainability Accounting Standards Board (SASB) and the Task Force on Climate-related Financial Disclosures (TCFD). To be a steward of the planet, we are committing this year to expanding our carbon emissions goal to be net zero, including our Scope 3 emissions, by 2050. This global net-zero climate commitment will demand a comprehensive and transparent approach, and thus we will provide appropriate reporting and hold ourselves accountable along the way. We have enhanced our disclosure in other meaningful ways this past year by posting online our approach to ESG Investing, Tax, Carbon Neutrality, Human Rights, Human Capital Management, Diversity and Inclusion, Supply Chain Approach and Philosophy, Cybersecurity, and Aflac Global Investments ESG Investing. Visit Aflac Incorporated’s ESG site, esg.aflac.com, for these and additional disclosures that are aligned with our spirit of transparency and clarity on where we stand as a Company.

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Letter from the Lead Non-Management Director

We are proud our efforts to increase our transparency and improve our sustainability have received external recognition. The Company was recognized by Ethisphere as one of the World’s Most Ethical Companies for the 15th consecutive year, remaining the only insurance company in the world to receive this honor every year since this award was first introduced in 2007. For the second time, Aflac Incorporated was recognized on Bloomberg’s Gender-Equality Index, which tracks the financial performance of public companies committed to supporting gender equality through policy development, representation, and transparency.

RISK OVERSIGHT

It is important that our Board maintains its focus on identifying risks that are relevant to both the industry and to the Company. Along with carefully monitoring traditional risks associated with investments and our product risk profile, as well as maintaining strong capital ratios and managing operational risk, the Board has overseen significant advancements in information security. The Board has enhanced our information security policy with the goal of ensuring that the Company’s information assets and data, and the data of its customers, are appropriately protected.

As lead director, I will continue engaging our investors, gaining insight into their perspectives, and considering the viewpoints and positions of those who invest in our business.

The Board looks forward to continuing its ongoing dialogue with investors and acting upon that feedback, and we thank you for your support and the privilege of representing you and your shares in Aflac Incorporated. With these vital topics in mind, I encourage you to review the accompanying Proxy Statement and associated materials and to vote your shares before our virtual Annual Meeting on May 3, 2021. It is my pleasure, and my privilege, to serve on Aflac Incorporated’s Board, and I look forward, as a fellow shareholder, to the many ways the Company will continue upholding its promises.

Sincerely,

W. Paul Bowers

LEAD NON-MANAGEMENT DIRECTOR

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Proxy Summary

This summary highlights information contained elsewhere in this Proxy Statement, but it does not contain all of the information you should consider. For more information, please refer to the following:

AGENDA AND VOTING MATTERS

	To elect as Directors of the Company the eleven nominees named in this Proxy Statement			FOReach nominee
				PAGE 1
	To consider a non-binding advisory proposal on the Company’s executive compensation (“say-on-pay”)			FORLogistics
				PAGE 29
	To ratify the appointment of KPMG LLP as the Company’s independent registered public accounting firm			FOR
				PAGE 62

Please read the entire Proxy Statement before voting. This Proxy Statement and the accompanying proxy are being delivered to shareholders on or about March 18, 2021.

For more complete information regarding the Company’s 2020 performance, please review the Company’s Annual Report on Form 10-K for the year ended December 31, 2020. In this Proxy Statement, the terms “Company,” “we,” or “our” refer to Aflac Incorporated. The term “Aflac” refers to the Company’s subsidiary, American Family Life Assurance Company of Columbus. The term “Aflac U.S.” refers collectively to the Company’s United States insurance subsidiaries, Aflac; American Family Life Assurance Company of New York (Aflac New York), a wholly owned subsidiary of Aflac; Continental American Insurance Company (CAIC), branded as Aflac Group Insurance; and Tier One Insurance Company (TOIC); as well as Argus Dental & Vision, Inc. (Argus), a benefits management organization and national network dental and vision company. The term “Aflac Japan” refers to Aflac Life Insurance Japan Ltd. The term “Aflac Global Investments” refers to the Company’s asset management subsidiary, Aflac Asset Management LLC and its management subsidiary in Japan, Aflac Asset Management Japan Ltd.

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Proxy Summary

	Proposal 1
	Election of Directors
		DATE AND TIME May 2, 2022 10:00 a.m. ET
		VIRTUAL (ONLINE ONLY)(1) www.virtualshareholdermeeting.com/AFL2022. Using your 16-digit control number included on your proxy card or notice
		RECORD DATE February 22, 2022
	How to Vote
	It is important that you vote your shares. We offer several easy and cost-effective voting methods for your convenience.
		INTERNET Visit www.proxyvote.com. You will need the 16-digit control number that appears on your proxy card or notice.
		TELEPHONE If your shares are held in the name of a broker, bank, or other nominee, follow the telephone voting instructions, if any, provided on your proxy card. If your shares are registered in your name, call 1-800- 690-6903 and follow the telephone voting instructions. You will need the 16-digit control number that appears on your proxy card.
		MAIL If you received a full package by mail, complete and sign the proxy card and return it in the enclosed postage pre-paid envelope.
		TABLET OR SMARTPHONE Scan the QR code that appears on your proxy card or notice using your mobile device.

10

AFLAC INCORPORATED

PAGE 29VOTING ROADMAP

 

Executive Compensation Highlights

 

Executive Compensation Highlights

	In 2021, the Company   delivered strong   operating results.
	2021 Business Highlights
	NET EARNINGS
	$4.3B(9.5)%▼
	EPS	ADJUSTED EPS*
	(4.2)%▼ 21%▲
	RETURN ON EQUITY
	12.9%▲
	ADJUSTED RETURN ON EQUITY (“AROE”)*
	16.1%▲
	REPURCHASED SHARES
	$2.3B
	CASH DIVIDEND
	17.9%▲
	3-YEAR TSR
	+37.9%

Our executive compensation philosophy is to provide pay that is aligned with the Company’s results. We believe this is the most effective method for creating shareholder value and it has played a significant role in making the Company an industry leader. Our compensation program is designed to align pay and performance and generally targets market median positioning and delivers the majority of direct compensation through performance-based elements. This ensures proper alignment with our shareholders and ties compensation for named executive officers to the Company’s performance.

The Company’s executive compensation program reflects our corporate governance best practices principles:

IndependentOversight		●  The Board’s independent Compensation Committee oversees the program.
	●  The Compensation Committee retains an independent compensation consultant that reports only to that Committee.
	●  The independent compensation consultant briefs the full Board annually on CEO pay and performance alignment.
ShareholderAlignment	We were the first public company in the U.S. to voluntarily provide shareholders with a say-on-pay vote – three years before such votes became mandatory.
	●  All employees are prohibited from hedging Company stock. ●  Executive officers and Directors may not enter into 10b5-1 plans unless approved by the Compensation Committee or pledge the Company’s stock. ●  We do not provide change-in-control excise tax gross-ups. ●  All employment agreements contain double trigger change-in- control requirements.
Long-StandingCommitment	All employees are prohibited from hedging Company stock.
	●  We have had a clawback policy since 2007. ●  We were the first public company in the U.S. to voluntarily provide shareholders with a say-on-pay vote – three years before such votes became mandatory. ●  Executive officers and Directors have been subject to stock ownership guidelines for almost two decades.
	We have had a clawback policy since 2007.
	We do not provide for change-in-control excise tax gross-ups.
	All employment agreements contain double trigger change-in-control requirements.decades.

The continued effect of COVID-19 created un-plannedunplanned volatility in our 2021 results for the Aflac U.S. and Aflac Japan segments.

2020 Business Highlights

In 2020, the Company delivered strong operating results.

NET EARNINGS

$4.8B  (44.6%)▲

EPS                     ADJUSTED EPS*

50.6%▲ 10.8%▲

RETURN ON EQUITY

15.3%▲

ADJUSTED RETURN ON EQUITY (“AROE”)*

15.0%▲

REPURCHASED SHARES

$1.5B

CASH DIVIDEND

3.7%▲

3 YEAR TSR

+8.6%

•●	Aflac U.S. and Aflac Japan new annualized premium sales(1) were decreasedincreased by 30.8%16.9% and 36.2%7.7%, respectively. The Japan sales increase reflects the launch of a new medical product in January 2021, a new nursing care product in September 2021, and favorable comparisons due to pandemic conditions in 2020. The U.S. sales increase reflects increased sales activity as a result of the ongoing economic reopening in the U.S. and favorable comparisons due to pandemic conditions in 2020, and contributions from buy-to-build investments in network dental and vision and group life and disability.
•●	Total revenues decreased 0.7%0.2% to $22.1 billion. Total adjusted revenues increased 0.3%decreased 3.3% to $22.3 billion reflective of continued growth of the in-force business at both Aflac U.S. and Aflac Japan.$21.6 billion. Total adjusted revenues, excluding current period foreign currency impact*impact,* decreased 1.0%1.7% to $22.0 billion.
•●	Earnings per share (EPS) and Aflac U.S. and Japan earnings results were generally impacted positively with lower benefit ratios in the U.S. and Japan and overall lower expense run-rates. Aflac Japan’s strong performance was attributedattributable almost entirely to net investment income as the positive impact on the benefit ratio from lower routine visits was offset by higher persistency.
•	We acquired Zurich Benefits which was a key step in the Company’s buy-to-build strategy to deliver best-in-class true group products to employers and unique solutions to distribution partners. Along with entering a growth market, we believe this portfolio expansion will increase producer productivity and assist with recruiting and retaining agents and expand broker markets.

*	Adjusted earnings per diluted share excluding foreign currency impact, total adjusted revenues, excluding current period foreign currency impact, and AROE, excluding foreign currency impact, are not calculated in accordance with generally accepted accounting principles in the United States (GAAP). See the Appendix A to this Proxy Statement for definitions of these non-GAAP measures and reconciliation to the most comparable GAAP financial measure.
(1)	As defineddiscussed in Item 1. Business7. Management’s Discussion and Analysis of Financial Condition and Results of Operations in the Company’s 20202021 Annual Report on Form 10-K.

2021 Proxy Statement

xi

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Proxy Summary

2020 Executive Compensation

The total target direct compensation mix for 2020 for (1) our CEO and (2) our CEO together with our other NEOs is illustrated in the following charts, and reflects the performance-based nature of our compensation program:

CEO TARGET COMPENSATION MIX		CEO + NEOs AVERAGE TARGET MIX

Recent Say-on-Pay Votes

2020 SAY-ON-PAYSUPPORT		FIVE-YEAR AVERAGE SAY-ON-PAY SUPPORT

Learn more in the Compensation Discussion & Analysis under the heading “Outcome of 2020 Say-on-Pay Vote”

	Proposal 3
VOTING ROADMAP	Ratification of Auditors2022 PROXY STATEMENT
	In February 2021, the Audit and Risk Committee voted to appoint KPMG LLP, an independent registered public accounting firm, to perform the annual audit of the Company’s consolidated financial statements for fiscal year 2021, subject to ratification by its shareholders.
		The Board of Directors and the Audit and Risk Committee recommend a vote FOR the ratification of   the selection of KPMG LLP.11		PAGE 62

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	2021 Executive Compensation The total target direct compensation mix for 2021 for (1) our CEO and (2) the average of our CEO together with our other NEOs is illustrated in the following charts, and reflects the performance-based nature of our compensation program:				CEO TARGET COMPENSATION MIX		CEO + NEOs AVERAGE TARGET MIX
					Recent Say-On-Pay Votes
	2021 SAY-ON-PAY SUPPORT		FIVE-YEAR AVERAGE SAY-ON-PAY SUPPORT		We are pleased that our named executive compensation program received the voting support of 96% of our shareholders last year. We believe this continued support reflects favorably on changes we have made to our executive compensation program over the past few years to more tightly link compensation metrics to our business strategy while incorporating feedback received from our shareholders. We work hard to ensure we implement best practices in executive compensation while staying focused on performance-based program elements that align with shareholder interests. As noted in the Program Changes for 2022 section of the Compensation Discussion and Analysis below, the Compensation Committee has made changes to our Long-Term Incentive Program metrics and our compensation peer group. We will continue to review our compensation program each year to determine if additional changes are warranted. Learn more in the Compensation Discussion & Analysis under the heading “Outcome of 2021 Say-on-Pay Vote”
	96.1%		93.5%