Date of report (Date of earliest event reported):
|
April 17, 2017 (April 17, 2017)
|
1-5975
|
61-0647538
|
(Commission File Number)
|
(IRS Employer Identification No.)
|
500 West Main Street, Louisville, KY
|
40202
|
(Address of Principal Executive Offices)
|
(Zip Code)
|
99
|
Press Release
|
HUMANA INC.
BY: /s/ Cynthia H. Zipperle
Cynthia H. Zipperle
Vice President, Chief Accounting Officer and Controller
|
99
|
Press Release
|
·
|
Retail segment – This segment consists of Medicare benefits, marketed to individuals directly or via group Medicare accounts, as well as state-based contracts. State-based contracts include those with various states to provide Medicaid, dual eligible, and Long-Term Support Services benefits. In addition, this segment also includes the company’s contract with the Centers for Medicare and Medicaid Services to administer the Limited Income Newly Eligible Transition prescription drug plan program.
|
·
|
Group and Specialty segment – This segment consists of employer group fully-insured commercial medical products, and specialty health insurance benefits marketed to individuals and groups, including dental, vision, and other supplemental health and voluntary insurance benefits. In addition, the segment also includes the company’s administrative services only products and its military services businesses, primarily the TRICARE South Region contract.
|
·
|
Healthcare Services segment – This segment includes services offered to the company’s health plan members as well as to third parties, including pharmacy solutions, provider services, and clinical programs, such as home health and other services and capabilities to promote wellness and advance population health.
|
·
|
Individual Commercial segment – This segment consists of Individual Commercial products marketed under the HumanaOne brand. For 2017, the company offers on-exchange products, as well as certain grandfathered policies issued prior to the enactment of the Health Care Reform Law. Off-exchange products were also offered in 2016.
|
·
|
Annual reports to stockholders
|
·
|
Securities and Exchange Commission filings
|
·
|
Most recent investor conference presentations
|
·
|
Quarterly earnings news releases
|
·
|
Calendar of events
|
·
|
Corporate Governance information
|
Humana Inc.
|
||||||||||||||||||||
Q1 2016 Segment Financial Information (Recast)
|
||||||||||||||||||||
in millions
|
||||||||||||||||||||
Group and
|
Healthcare
|
Individual
|
Other
|
Eliminations/
|
||||||||||||||||
Retail
|
Specialty
|
Services
|
Commercial
|
Businesses
|
Corporate
|
Consolidated
|
||||||||||||||
Q1 2016
|
||||||||||||||||||||
Revenues - external customers
|
||||||||||||||||||||
Premiums:
|
||||||||||||||||||||
Individual Medicare Advantage
|
$
|
8,027
|
$
|
-
|
$
|
-
|
$
|
-
|
$
|
-
|
$
|
-
|
$
|
8,027
|
||||||
Group Medicare Advantage
|
1,077
|
-
|
-
|
-
|
-
|
-
|
1,077
|
|||||||||||||
Medicare stand-alone PDP
|
1,039
|
-
|
-
|
-
|
-
|
-
|
1,039
|
|||||||||||||
Total Medicare
|
10,143
|
-
|
-
|
-
|
-
|
-
|
10,143
|
|||||||||||||
Fully-insured
|
104
|
1,337
|
-
|
893
|
-
|
-
|
2,334
|
|||||||||||||
Specialty
|
-
|
318
|
-
|
-
|
-
|
-
|
318
|
|||||||||||||
Medicaid and other
|
630
|
5
|
-
|
-
|
10
|
-
|
645
|
|||||||||||||
Total premiums
|
10,877
|
1,660
|
-
|
893
|
10
|
-
|
13,440
|
|||||||||||||
Services revenue:
|
||||||||||||||||||||
Provider
|
-
|
-
|
71
|
-
|
-
|
-
|
71
|
|||||||||||||
ASO and other
|
1
|
177
|
1
|
-
|
3
|
-
|
182
|
|||||||||||||
Pharmacy
|
-
|
-
|
7
|
-
|
-
|
-
|
7
|
|||||||||||||
Total services revenue
|
1
|
177
|
79
|
-
|
3
|
-
|
260
|
|||||||||||||
Total revenues - external customers
|
10,878
|
1,837
|
79
|
893
|
13
|
-
|
13,700
|
|||||||||||||
Intersegment revenues
|
||||||||||||||||||||
Services
|
-
|
6
|
4,784
|
-
|
-
|
(4,790)
|
-
|
|||||||||||||
Products
|
-
|
-
|
1,360
|
-
|
-
|
(1,360)
|
-
|
|||||||||||||
Total intersegment revenues
|
-
|
6
|
6,144
|
-
|
-
|
(6,150)
|
-
|
|||||||||||||
Investment income
|
24
|
6
|
7
|
2
|
15
|
46
|
100
|
|||||||||||||
Total revenues
|
10,902
|
1,849
|
6,230
|
895
|
28
|
(6,104)
|
13,800
|
|||||||||||||
Operating expenses:
|
||||||||||||||||||||
Benefits
|
9,633
|
1,222
|
-
|
729
|
25
|
(212)
|
11,397
|
|||||||||||||
Operating costs
|
1,082
|
434
|
5,942
|
169
|
4
|
(5,863)
|
1,768
|
|||||||||||||
Depreciation and amortization
|
46
|
21
|
36
|
9
|
-
|
(24)
|
88
|
|||||||||||||
Total operating expenses
|
10,761
|
1,677
|
5,978
|
907
|
29
|
(6,099)
|
13,253
|
|||||||||||||
Income (loss) from operations
|
141
|
172
|
252
|
(12)
|
(1)
|
(5)
|
547
|
|||||||||||||
Interest expense
|
-
|
-
|
-
|
-
|
-
|
47
|
47
|
|||||||||||||
Income (loss) before income taxes
|
$
|
141
|
$
|
172
|
$
|
252
|
$
|
(12)
|
$
|
(1)
|
$
|
(52)
|
$
|
500
|
||||||
Benefit ratio
|
88.6%
|
73.6%
|
81.6%
|
84.8%
|
||||||||||||||||
Operating cost ratio
|
9.9%
|
23.5%
|
95.5%
|
18.9%
|
12.9%
|
Humana Inc.
|
||||||||||||||||||||
Q2 2016 Segment Financial Information (Recast)
|
||||||||||||||||||||
in millions
|
||||||||||||||||||||
Group and
|
Healthcare
|
Individual
|
Other
|
Eliminations/
|
||||||||||||||||
Retail
|
Specialty
|
Services
|
Commercial
|
Businesses
|
Corporate
|
Consolidated
|
||||||||||||||
Q2 2016
|
||||||||||||||||||||
Revenues - external customers
|
||||||||||||||||||||
Premiums:
|
||||||||||||||||||||
Individual Medicare Advantage
|
$
|
8,050
|
$
|
-
|
$
|
-
|
$
|
-
|
$
|
-
|
$
|
-
|
$
|
8,050
|
||||||
Group Medicare Advantage
|
1,085
|
-
|
-
|
-
|
-
|
-
|
1,085
|
|||||||||||||
Medicare stand-alone PDP
|
1,015
|
-
|
-
|
-
|
-
|
-
|
1,015
|
|||||||||||||
Total Medicare
|
10,150
|
-
|
-
|
-
|
-
|
-
|
10,150
|
|||||||||||||
Fully-insured
|
106
|
1,357
|
-
|
1,024
|
-
|
-
|
2,487
|
|||||||||||||
Specialty
|
-
|
321
|
-
|
-
|
-
|
-
|
321
|
|||||||||||||
Medicaid and other
|
678
|
5
|
-
|
-
|
9
|
-
|
692
|
|||||||||||||
Total premiums
|
10,934
|
1,683
|
-
|
1,024
|
9
|
-
|
13,650
|
|||||||||||||
Services revenue:
|
||||||||||||||||||||
Provider
|
-
|
-
|
74
|
-
|
-
|
-
|
74
|
|||||||||||||
ASO and other
|
2
|
176
|
-
|
-
|
3
|
-
|
181
|
|||||||||||||
Pharmacy
|
-
|
-
|
7
|
-
|
-
|
-
|
7
|
|||||||||||||
Total services revenue
|
2
|
176
|
81
|
-
|
3
|
-
|
262
|
|||||||||||||
Total revenues - external customers
|
10,936
|
1,859
|
81
|
1,024
|
12
|
-
|
13,912
|
|||||||||||||
Intersegment revenues
|
||||||||||||||||||||
Services
|
-
|
6
|
4,767
|
-
|
-
|
(4,773)
|
-
|
|||||||||||||
Products
|
-
|
-
|
1,433
|
-
|
-
|
(1,433)
|
-
|
|||||||||||||
Total intersegment revenues
|
-
|
6
|
6,200
|
-
|
-
|
(6,206)
|
-
|
|||||||||||||
Investment income
|
22
|
6
|
7
|
1
|
16
|
43
|
95
|
|||||||||||||
Total revenues
|
10,958
|
1,871
|
6,288
|
1,025
|
28
|
(6,163)
|
14,007
|
|||||||||||||
Operating expenses:
|
||||||||||||||||||||
Benefits
|
9,327
|
1,302
|
-
|
1,089
|
31
|
(240)
|
11,509
|
|||||||||||||
Operating costs
|
1,069
|
423
|
5,974
|
152
|
4
|
(5,896)
|
1,726
|
|||||||||||||
Depreciation and amortization
|
48
|
22
|
35
|
9
|
-
|
(25)
|
89
|
|||||||||||||
Total operating expenses
|
10,444
|
1,747
|
6,009
|
1,250
|
35
|
(6,161)
|
13,324
|
|||||||||||||
Income (loss) from operations
|
514
|
124
|
279
|
(225)
|
(7)
|
(2)
|
683
|
|||||||||||||
Interest expense
|
-
|
-
|
-
|
-
|
-
|
47
|
47
|
|||||||||||||
Income (loss) before income taxes
|
$
|
514
|
$
|
124
|
$
|
279
|
$
|
(225)
|
$
|
(7)
|
$
|
(49)
|
$
|
636
|
||||||
Benefit ratio
|
85.3%
|
77.4%
|
106.3%
|
84.3%
|
||||||||||||||||
Operating cost ratio
|
9.8%
|
22.7%
|
95.1%
|
14.8%
|
12.4%
|
Humana Inc.
|
||||||||||||||||||||
Q3 2016 Segment Financial Information (Recast)
|
||||||||||||||||||||
in millions
|
||||||||||||||||||||
Group and
|
Healthcare
|
Individual
|
Other
|
Eliminations/
|
||||||||||||||||
Retail
|
Specialty
|
Services
|
Commercial
|
Businesses
|
Corporate
|
Consolidated
|
||||||||||||||
Q3 2016
|
||||||||||||||||||||
Revenues - external customers
|
||||||||||||||||||||
Premiums:
|
||||||||||||||||||||
Individual Medicare Advantage
|
$
|
7,977
|
$
|
-
|
$
|
-
|
$
|
-
|
$
|
-
|
$
|
-
|
$
|
7,977
|
||||||
Group Medicare Advantage
|
1,067
|
-
|
-
|
-
|
-
|
-
|
1,067
|
|||||||||||||
Medicare stand-alone PDP
|
1,004
|
-
|
-
|
-
|
-
|
-
|
1,004
|
|||||||||||||
Total Medicare
|
10,048
|
-
|
-
|
-
|
-
|
-
|
10,048
|
|||||||||||||
Fully-insured
|
109
|
1,350
|
-
|
882
|
-
|
-
|
2,341
|
|||||||||||||
Specialty
|
-
|
318
|
-
|
-
|
-
|
-
|
318
|
|||||||||||||
Medicaid and other
|
652
|
2
|
-
|
-
|
10
|
-
|
664
|
|||||||||||||
Total premiums
|
10,809
|
1,670
|
-
|
882
|
10
|
-
|
13,371
|
|||||||||||||
Services revenue:
|
||||||||||||||||||||
Provider
|
-
|
-
|
69
|
-
|
-
|
-
|
69
|
|||||||||||||
ASO and other
|
2
|
147
|
-
|
-
|
1
|
-
|
150
|
|||||||||||||
Pharmacy
|
-
|
-
|
8
|
-
|
-
|
-
|
8
|
|||||||||||||
Total services revenue
|
2
|
147
|
77
|
-
|
1
|
-
|
227
|
|||||||||||||
Total revenues - external customers
|
10,811
|
1,817
|
77
|
882
|
11
|
-
|
13,598
|
|||||||||||||
Intersegment revenues
|
||||||||||||||||||||
Services
|
-
|
5
|
4,741
|
-
|
-
|
(4,746)
|
-
|
|||||||||||||
Products
|
-
|
-
|
1,580
|
-
|
-
|
(1,580)
|
-
|
|||||||||||||
Total intersegment revenues
|
-
|
5
|
6,321
|
-
|
-
|
(6,326)
|
-
|
|||||||||||||
Investment income
|
22
|
7
|
8
|
-
|
17
|
42
|
96
|
|||||||||||||
Total revenues
|
10,833
|
1,829
|
6,406
|
882
|
28
|
(6,284)
|
13,694
|
|||||||||||||
Operating expenses:
|
||||||||||||||||||||
Benefits
|
9,031
|
1,352
|
-
|
727
|
26
|
(236)
|
10,900
|
|||||||||||||
Operating costs
|
1,143
|
421
|
6,073
|
144
|
4
|
(6,026)
|
1,759
|
|||||||||||||
Depreciation and amortization
|
51
|
19
|
36
|
9
|
-
|
(29)
|
86
|
|||||||||||||
Total operating expenses
|
10,225
|
1,792
|
6,109
|
880
|
30
|
(6,291)
|
12,745
|
|||||||||||||
Income (loss) from operations
|
608
|
37
|
297
|
2
|
(2)
|
7
|
949
|
|||||||||||||
Interest expense
|
-
|
-
|
-
|
-
|
-
|
47
|
47
|
|||||||||||||
Income (loss) before income taxes
|
$
|
608
|
$
|
37
|
$
|
297
|
$
|
2
|
$
|
(2)
|
$
|
(40)
|
$
|
902
|
||||||
Benefit ratio
|
83.6%
|
81.0%
|
82.4%
|
81.5%
|
||||||||||||||||
Operating cost ratio
|
10.6%
|
23.1%
|
94.9%
|
16.3%
|
12.9%
|
Humana Inc.
|
||||||||||||||||||||
Q4 2016 Segment Financial Information (Recast)
|
||||||||||||||||||||
in millions
|
||||||||||||||||||||
Group and
|
Healthcare
|
Individual
|
Other
|
Eliminations/
|
||||||||||||||||
Retail
|
Specialty
|
Services
|
Commercial
|
Businesses
|
Corporate
|
Consolidated
|
||||||||||||||
Q4 2016
|
||||||||||||||||||||
Revenues - external customers
|
||||||||||||||||||||
Premiums:
|
||||||||||||||||||||
Individual Medicare Advantage
|
$
|
7,809
|
$
|
-
|
$
|
-
|
$
|
-
|
$
|
-
|
$
|
-
|
$
|
7,809
|
||||||
Group Medicare Advantage
|
1,054
|
-
|
-
|
-
|
-
|
-
|
1,054
|
|||||||||||||
Medicare stand-alone PDP
|
951
|
-
|
-
|
-
|
-
|
-
|
951
|
|||||||||||||
Total Medicare
|
9,814
|
-
|
-
|
-
|
-
|
-
|
9,814
|
|||||||||||||
Fully-insured
|
109
|
1,361
|
-
|
265
|
-
|
-
|
1,735
|
|||||||||||||
Specialty
|
-
|
322
|
-
|
-
|
-
|
-
|
322
|
|||||||||||||
Medicaid and other
|
680
|
-
|
-
|
-
|
9
|
-
|
689
|
|||||||||||||
Total premiums
|
10,603
|
1,683
|
-
|
265
|
9
|
-
|
12,560
|
|||||||||||||
Services revenue:
|
||||||||||||||||||||
Provider
|
-
|
-
|
64
|
-
|
-
|
-
|
64
|
|||||||||||||
ASO and other
|
1
|
143
|
-
|
-
|
3
|
-
|
147
|
|||||||||||||
Pharmacy
|
-
|
-
|
9
|
-
|
-
|
-
|
9
|
|||||||||||||
Total services revenue
|
1
|
143
|
73
|
-
|
3
|
-
|
220
|
|||||||||||||
Total revenues - external customers
|
10,604
|
1,826
|
73
|
265
|
12
|
-
|
12,780
|
|||||||||||||
Intersegment revenues
|
||||||||||||||||||||
Services
|
-
|
5
|
4,687
|
-
|
-
|
(4,692)
|
-
|
|||||||||||||
Products
|
-
|
-
|
1,620
|
-
|
-
|
(1,620)
|
-
|
|||||||||||||
Total intersegment revenues
|
-
|
5
|
6,307
|
-
|
-
|
(6,312)
|
-
|
|||||||||||||
Investment income
|
22
|
6
|
8
|
2
|
18
|
42
|
98
|
|||||||||||||
Total revenues
|
10,626
|
1,837
|
6,388
|
267
|
30
|
(6,270)
|
12,878
|
|||||||||||||
Operating expenses:
|
||||||||||||||||||||
Benefits
|
8,792
|
1,357
|
-
|
756
|
535
|
(239)
|
11,201
|
|||||||||||||
Operating costs
|
1,356
|
449
|
6,084
|
136
|
4
|
(6,005)
|
2,024
|
|||||||||||||
Depreciation and amortization
|
51
|
20
|
36
|
9
|
1
|
(26)
|
91
|
|||||||||||||
Total operating expenses
|
10,199
|
1,826
|
6,120
|
901
|
540
|
(6,270)
|
13,316
|
|||||||||||||
Income (loss) from operations
|
427
|
11
|
268
|
(634)
|
(510)
|
-
|
(438)
|
|||||||||||||
Interest expense
|
-
|
-
|
-
|
-
|
-
|
48
|
48
|
|||||||||||||
Income (loss) before income taxes
|
$
|
427
|
$
|
11
|
$
|
268
|
$
|
(634)
|
$
|
(510)
|
$
|
(48)
|
$
|
(486)
|
||||||
Benefit ratio
|
82.9%
|
80.6%
|
285.3%
|
89.2%
|
||||||||||||||||
Operating cost ratio
|
12.8%
|
24.5%
|
95.4%
|
51.3%
|
15.8%
|
Humana Inc.
|
||||||||||||||||||||
FY 2016 Segment Financial Information (Recast)
|
||||||||||||||||||||
in millions
|
||||||||||||||||||||
Group and
|
Healthcare
|
Individual
|
Other
|
Eliminations/
|
||||||||||||||||
Retail
|
Specialty
|
Services
|
Commercial
|
Businesses
|
Corporate
|
Consolidated
|
||||||||||||||
(in millions)
|
||||||||||||||||||||
Full Year 2016
|
||||||||||||||||||||
Revenues - external customers
|
||||||||||||||||||||
Premiums:
|
||||||||||||||||||||
Individual Medicare Advantage
|
$
|
31,863
|
$
|
-
|
$
|
-
|
$
|
-
|
$
|
-
|
$
|
-
|
$
|
31,863
|
||||||
Group Medicare Advantage
|
4,283
|
-
|
-
|
-
|
-
|
-
|
4,283
|
|||||||||||||
Medicare stand-alone PDP
|
4,009
|
-
|
-
|
-
|
-
|
-
|
4,009
|
|||||||||||||
Total Medicare
|
40,155
|
-
|
-
|
-
|
-
|
-
|
40,155
|
|||||||||||||
Fully-insured
|
428
|
5,405
|
-
|
3,064
|
-
|
-
|
8,897
|
|||||||||||||
Specialty
|
-
|
1,279
|
-
|
-
|
-
|
-
|
1,279
|
|||||||||||||
Medicaid and other
|
2,640
|
12
|
-
|
-
|
38
|
-
|
2,690
|
|||||||||||||
Total premiums
|
43,223
|
6,696
|
-
|
3,064
|
38
|
-
|
53,021
|
|||||||||||||
Services revenue:
|
||||||||||||||||||||
Provider
|
-
|
-
|
278
|
-
|
-
|
-
|
278
|
|||||||||||||
ASO and other
|
6
|
643
|
1
|
-
|
10
|
-
|
660
|
|||||||||||||
Pharmacy
|
-
|
-
|
31
|
-
|
-
|
-
|
31
|
|||||||||||||
Total services revenue
|
6
|
643
|
310
|
-
|
10
|
-
|
969
|
|||||||||||||
Total revenues - external customers
|
43,229
|
7,339
|
310
|
3,064
|
48
|
-
|
53,990
|
|||||||||||||
Intersegment revenues
|
||||||||||||||||||||
Services
|
-
|
22
|
18,979
|
-
|
-
|
(19,001)
|
-
|
|||||||||||||
Products
|
-
|
-
|
5,993
|
-
|
-
|
(5,993)
|
-
|
|||||||||||||
Total intersegment revenues
|
-
|
22
|
24,972
|
-
|
-
|
(24,994)
|
-
|
|||||||||||||
Investment income
|
90
|
25
|
30
|
5
|
66
|
173
|
389
|
|||||||||||||
Total revenues
|
43,319
|
7,386
|
25,312
|
3,069
|
114
|
(24,821)
|
54,379
|
|||||||||||||
Operating expenses:
|
||||||||||||||||||||
Benefits
|
36,783
|
5,233
|
-
|
3,301
|
617
|
(927)
|
45,007
|
|||||||||||||
Operating costs
|
4,650
|
1,727
|
24,073
|
601
|
16
|
(23,790)
|
7,277
|
|||||||||||||
Depreciation and amortization
|
196
|
82
|
143
|
36
|
1
|
(104)
|
354
|
|||||||||||||
Total operating expenses
|
41,629
|
7,042
|
24,216
|
3,938
|
634
|
(24,821)
|
52,638
|
|||||||||||||
Income (loss) from operations
|
1,690
|
344
|
1,096
|
(869)
|
(520)
|
-
|
1,741
|
|||||||||||||
Interest expense
|
-
|
-
|
-
|
-
|
-
|
189
|
189
|
|||||||||||||
Income (loss) before income taxes
|
$
|
1,690
|
$
|
344
|
$
|
1,096
|
$
|
(869)
|
$
|
(520)
|
$
|
(189)
|
$
|
1,552
|
||||||
Benefit ratio
|
85.1%
|
78.2%
|
107.7%
|
84.9%
|
||||||||||||||||
Operating cost ratio
|
10.8%
|
23.5%
|
95.2%
|
19.6%
|
13.5%
|
Humana Inc.
|
||||||
Ending Membership Detail (Recast)
|
||||||
In thousands
|
||||||
March 31, 2016
|
June 30, 2016
|
September 30, 2016
|
December 31, 2016
|
|||
Medical Membership:
|
||||||
Retail
|
||||||
Individual Medicare Advantage
|
2,807.2
|
2,816.5
|
2,831.7
|
2,837.6
|
||
Group Medicare Advantage
|
349.2
|
351.7
|
353.9
|
355.4
|
||
Medicare stand-alone PDPs
|
4,834.1
|
4,856.3
|
4,913.4
|
4,951.4
|
||
Total Medicare
|
7,990.5
|
8,024.5
|
8,099.0
|
8,144.4
|
||
State-based Medicaid
|
388.4
|
391.6
|
390.1
|
388.1
|
||
Medicare Supplement
|
209.8
|
212.3
|
217.1
|
218.8
|
||
Total Retail
|
8,588.7
|
8,628.4
|
8,706.2
|
8,751.3
|
||
Group and Specialty
|
||||||
Fully-insured medical commercial
|
1,136.4
|
1,140.1
|
1,131.5
|
1,136.0
|
||
ASO commercial
|
579.4
|
578.4
|
570.3
|
573.2
|
||
Military services
|
3,076.8
|
3,074.8
|
3,080.9
|
3,084.1
|
||
Total Group and Specialty
|
4,792.6
|
4,793.3
|
4,782.7
|
4,793.3
|
||
Individual commercial
|
875.7
|
792.0
|
726.2
|
654.8
|
||
Other Businesses
|
||||||
Long-term care and other
|
32.2
|
31.4
|
31.0
|
30.8
|
||
Total Other Businesses
|
32.2
|
31.4
|
31.0
|
30.8
|
||
Total Medical Membership
|
14,289.2
|
14,245.1
|
14,246.1
|
14,230.2
|
||
Specialty Membership:
|
||||||
Group and Specialty
|
||||||
Dental - fully-insured
|
2,981.4
|
2,969.6
|
2,955.4
|
2,952.4
|
||
Dental - ASO
|
703.6
|
702.4
|
706.6
|
702.0
|
||
Vision
|
2,129.7
|
2,134.2
|
2,125.8
|
2,136.0
|
||
Other supplemental benefits
|
1,230.4
|
1,196.1
|
1,167.4
|
1,170.8
|
||
Total Group and Specialty
|
7,045.1
|
7,002.3
|
6,955.2
|
6,961.2
|