
	INCOME TAXES

The 2017 income tax provisions reflect tax rates of 38.2% in the quarter and 38.4% year-to-date, compared with 36.7% and 37.2%, respectively, in 2016. The major components of the year-over-year change in tax rates were a decrease in tax credits and a decrease in gains from the market performance of insurance products used to fund certain non-qualified retirement plans, which are excluded from taxable income. The final annual tax rate cannot be determined until the end of the fiscal year; therefore, the actual 2017 rate could differ from our current estimates.