Industry Insights
View the detailed results of our global survey by industry group. Reach out to your Protiviti contact for more detailed insights or contact us.
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Does your company have clearly defined innovation goals?
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| Yes |
87% |
84% |
82% |
72% |
78% |
74% |
70% |
| No |
13% |
16% |
18% |
28% |
22% |
26% |
30% |
| I don't know |
0% |
0% |
0% |
0% |
0% |
0% |
0% |
Which of the below best describes the status of your company's technology innovation strategy?
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| We have a clear innovation strategy |
69% |
58% |
61% |
51% |
53% |
42% |
42% |
| We are currently developing an innovation strategy |
27% |
35% |
36% |
46% |
43% |
50% |
49% |
| We have no plans to create an innovation strategy |
4% |
7% |
3% |
3% |
4% |
8% |
9% |
What percentage of your company's current innovation activity is focused on each of the following areas?
Shown: Mean scores
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| Optimisation (of current systems, products, processes etc.) |
39% |
40% |
42% |
43% |
38% |
42% |
48% |
| Building Resilience (against disruption) |
30% |
27% |
27% |
26% |
30% |
27% |
36% |
| Growth (new markets, revenue, etc.) |
31% |
33% |
31% |
31% |
32% |
31% |
16% |
| Other |
0% |
0% |
0% |
0% |
0% |
0% |
0% |
Does your company have a dedicated lab or think tank that focuses on innovation?
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| Yes |
68% |
63% |
67% |
52% |
54% |
53% |
44% |
| No |
32% |
37% |
33% |
48% |
46% |
47% |
56% |
| I don't know |
0% |
0% |
0% |
0% |
0% |
0% |
0% |
Which of the following best describes your organisation's top three challenges when it comes to innovation?
Shown: Ranked #1
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| Architectural constraints (including technical debt) |
5% |
8% |
8% |
4% |
8% |
12% |
10% |
| Board/executive buy-in |
6% |
2% |
4% |
5% |
2% |
5% |
6% |
| Culture (collaboration, curiosity, exploration) |
4% |
6% |
14% |
2% |
6% |
10% |
6% |
| Justifying investment in innovation |
11% |
11% |
7% |
9% |
12% |
12% |
10% |
| Lack of diversity of perspective |
8% |
5% |
11% |
13% |
6% |
8% |
11% |
| Lack of governance and infrastructure |
11% |
10% |
7% |
9% |
11% |
13% |
5% |
| Operational challenges (for example, prioritising "business as usual" over innovation) |
10% |
6% |
8% |
11% |
9% |
4% |
5% |
| Organisational structure (teams, processes) |
5% |
7% |
4% |
12% |
10% |
7% |
4% |
| Regulatory and compliance requirements |
16% |
14% |
14% |
17% |
15% |
18% |
14% |
| Security risks |
12% |
16% |
12% |
14% |
13% |
7% |
13% |
| Talent (upskilling, staff retention, resource capacity) |
7% |
11% |
9% |
4% |
6% |
3% |
14% |
Who is the key person responsible for driving innovation at your company?
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| Chief Executive Officer or equivalent |
4% |
5% |
2% |
4% |
3% |
4% |
10% |
| Chief Information Officer or equivalent |
8% |
12% |
5% |
6% |
16% |
13% |
14% |
| Chief Innovation/Strategy officer of equivalent |
53% |
35% |
52% |
55% |
34% |
52% |
46% |
| Chief Operations Officer or equivalent |
6% |
3% |
6% |
6% |
11% |
3% |
4% |
| Chief Product Officer or equivalent |
3% |
6% |
4% |
1% |
5% |
5% |
2% |
| Chief Technology Officer or equivalent |
26% |
39% |
31% |
28% |
31% |
22% |
24% |
| A different person than above |
0% |
0% |
0% |
0% |
0% |
1% |
0% |
| There is no-one driving innovation at my company |
0% |
0% |
0% |
0% |
0% |
0% |
0% |
Which of the following type(s) of technologies, if any, does your company use?
Shown: "Currently using" responses. Multiple responses permitted.
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| 5G |
64% |
64% |
44% |
44% |
54% |
46% |
50% |
| Artificial intelligence/machine learning |
49% |
49% |
49% |
59% |
46% |
53% |
38% |
| Augmented reality and/or virtual reality |
18% |
37% |
46% |
32% |
28% |
30% |
6% |
| Blockchain |
52% |
42% |
46% |
49% |
41% |
42% |
28% |
| Cloud |
71% |
79% |
79% |
76% |
68% |
79% |
68% |
| Edge computing |
44% |
48% |
50% |
44% |
43% |
52% |
39% |
| Internet of Things |
65% |
67% |
74% |
78% |
73% |
68% |
66% |
| Metaverse |
8% |
11% |
13% |
2% |
12% |
3% |
3% |
| No code/Low code |
32% |
38% |
46% |
26% |
26% |
32% |
38% |
| Quantum computing |
19% |
24% |
24% |
20% |
24% |
27% |
10% |
| Robotics |
23% |
28% |
17% |
24% |
31% |
19% |
30% |
| Web 3 |
22% |
31% |
21% |
21% |
25% |
12% |
37% |
How concerned are you about the security risks (for example, breaches, data loss, improper controls, poor access management) associated with implementing innovative new technologies?
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| 5 Very concerned |
48% |
50% |
42% |
54% |
35% |
42% |
25% |
| 4 |
40% |
34% |
36% |
29% |
45% |
36% |
55% |
| 3 Moderately concerned |
12% |
14% |
22% |
16% |
18% |
22% |
20% |
| 2 |
0% |
1% |
0% |
1% |
2% |
0% |
0% |
| 1 Not at all concerned |
0% |
1% |
0% |
0% |
0% |
0% |
0% |
Which of the following areas do you consider the MOST important for maintaining an innovative organisation?
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| Building the right processes and activities |
18% |
19% |
22% |
26% |
26% |
29% |
23% |
| Enabling an agile technology environment |
26% |
24% |
24% |
24% |
20% |
23% |
35% |
| Fostering an innovative culture |
41% |
38% |
37% |
32% |
37% |
32% |
31% |
| Hiring the right talent (different roles and specialisms) |
14% |
18% |
16% |
18% |
16% |
15% |
11% |
| None of the above |
1% |
1% |
1% |
0% |
1% |
1% |
0% |
What skills-related gaps, if any, impede innovation at your company?
Multiple responses permitted.
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| Collaboration |
19% |
20% |
19% |
24% |
13% |
19% |
14% |
| Communication and organisation change enablement |
27% |
24% |
22% |
28% |
24% |
10% |
25% |
| Design thinking |
31% |
37% |
45% |
25% |
37% |
48% |
38% |
| Enterprise agility |
32% |
31% |
35% |
31% |
35% |
49% |
34% |
| Lack of training |
25% |
16% |
19% |
14% |
21% |
18% |
22% |
| Leadership |
12% |
11% |
13% |
9% |
18% |
17% |
14% |
| Project management |
23% |
24% |
18% |
21% |
16% |
22% |
26% |
| Solution architecture |
44% |
39% |
29% |
36% |
46% |
34% |
31% |
| Strategic thinking |
29% |
28% |
28% |
31% |
31% |
28% |
30% |
| Technical knowledge |
38% |
30% |
24% |
32% |
31% |
25% |
37% |
| Other |
0% |
0% |
0% |
1% |
0% |
0% |
0% |
| None |
1% |
2% |
1% |
1% |
3% |
0% |
1% |
Are you using any of the following approaches to help drive innovation at your company?
Shown: "Yes, and it enables our innovation, helping us to deliver the results we would like" responses.
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| Agile |
76% |
59% |
68% |
63% |
70% |
58% |
59% |
| Design thinking |
58% |
54% |
52% |
62% |
59% |
58% |
56% |
| Hackathons |
51% |
39% |
39% |
46% |
25% |
40% |
31% |
| Journey mapping |
57% |
48% |
49% |
51% |
49% |
58% |
50% |
| Lean start-up method |
31% |
38% |
41% |
38% |
37% |
34% |
29% |
How well do innovation leaders bridge the gap between technology and business needs at your company?
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| 5 Very well |
39% |
31% |
29% |
29% |
27% |
24% |
22% |
| 4 Somewhat well |
55% |
56% |
58% |
54% |
57% |
58% |
62% |
| 3 Neutral |
6% |
12% |
13% |
16% |
16% |
18% |
15% |
| 2 Somewhat poorly |
0% |
1% |
0% |
1% |
0% |
0% |
1% |
| 1 Very poorly |
0% |
0% |
0% |
0% |
0% |
0% |
0% |
When it comes to innovation, how well do your company’s business and technology leaders collaborate in the following areas?
Shown: Top 2 Box scores (aggregate percentage for "Very well" (5) and "Somewhat well" (4) on our 5-point scale).
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| Educating non-technical board members on the benefits of investing in innovation |
60% |
68% |
56% |
64% |
57% |
62% |
43% |
| Governance, risk and compliance |
72% |
74% |
77% |
81% |
72% |
78% |
77% |
| Innovation culture |
67% |
69% |
71% |
61% |
65% |
66% |
69% |
| Innovation processes |
70% |
69% |
68% |
64% |
69% |
67% |
73% |
| Innovation strategy |
82% |
81% |
79% |
81% |
82% |
75% |
82% |
| Knowledge sharing |
79% |
81% |
78% |
78% |
78% |
78% |
83% |
| Strategic leadership |
82% |
79% |
82% |
72% |
80% |
79% |
81% |
| Talent upskilling and retention |
71% |
70% |
68% |
66% |
56% |
70% |
83% |
| Transformational change |
74% |
72% |
72% |
73% |
69% |
67% |
78% |
What impact is technical debt having on your ability to innovate?
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| 5 Significant impact |
31% |
24% |
18% |
18% |
19% |
18% |
20% |
| 4 |
47% |
50% |
53% |
43% |
51% |
50% |
42% |
| 3 Moderate Impact |
21% |
25% |
27% |
37% |
28% |
31% |
38% |
| 2 |
1% |
0% |
2% |
2% |
1% |
1% |
0% |
| 1 No impact |
0% |
1% |
0% |
0% |
1% |
0% |
0% |
What percentage of the resources below would you estimate is dedicated to resolving technical debt?
Shown: Mean scores
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| IT budget ($) |
36% |
33% |
32% |
27% |
34% |
33% |
25% |
| IT effort (human resource) |
21% |
21% |
21% |
24% |
20% |
22% |
19% |
What are the top three strategies that your company prioritises when dealing with technical debt?
Shown: Ranked #1
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| Appointing a technology leader as responsible and accountable for technical debt solutions |
11% |
10% |
5% |
9% |
9% |
12% |
7% |
| Educating teams on technical debt and how to report it |
12% |
12% |
14% |
10% |
15% |
13% |
14% |
| Formulating and following guidelines to managing technical debt |
9% |
15% |
8% |
6% |
11% |
14% |
10% |
| Having a knowledge base to provide information even when specific employees have left the team or business |
15% |
10% |
12% |
10% |
16% |
11% |
6% |
| Having a process in place to track and report technical debt |
11% |
8% |
14% |
15% |
11% |
10% |
17% |
| Incorporating technical debt management into innovation strategies |
9% |
9% |
12% |
10% |
9% |
8% |
12% |
| Revamping software, hardware and systems where technical debt occurs (e.g., refactoring code, etc) |
9% |
9% |
10% |
8% |
11% |
10% |
14% |
| Tracking software, hardware and systems where technical debt occurs |
10% |
16% |
11% |
16% |
9% |
14% |
11% |
| Tracking technical debt in new systems |
14% |
11% |
14% |
16% |
9% |
8% |
9% |
| Other strategies |
0% |
0% |
0% |
0% |
0% |
0% |
0% |
Which of the following technologies, if any, is your organisation using to help reduce or alleviate technical debt?
Shown: "Currently using" responses. Multiple responses permitted.
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| 5G |
56% |
58% |
43% |
40% |
49% |
44% |
42% |
| Artificial intelligence/machine learning |
46% |
42% |
28% |
36% |
44% |
40% |
34% |
| Augmented reality and/or virtual reality |
8% |
16% |
37% |
14% |
14% |
6% |
1% |
| Blockchain |
32% |
25% |
26% |
28% |
30% |
30% |
12% |
| Cloud |
59% |
74% |
68% |
70% |
60% |
75% |
49% |
| Edge computing |
33% |
33% |
38% |
29% |
36% |
34% |
22% |
| Internet of Things |
58% |
59% |
68% |
68% |
68% |
61% |
58% |
| Low code/no code |
18% |
17% |
28% |
18% |
12% |
11% |
18% |
| Metaverse |
3% |
7% |
3% |
4% |
4% |
1% |
2% |
| Quantum computing |
14% |
21% |
22% |
18% |
17% |
22% |
5% |
| Robotics |
14% |
17% |
8% |
16% |
16% |
9% |
15% |
| Web 3 |
12% |
10% |
12% |
11% |
8% |
6% |
24% |
If an economic recession happens, how do you anticipate your technology innovation strategy/investments will change?
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| We expect to advance our technology innovation strategy/investments |
42% |
39% |
29% |
26% |
32% |
28% |
27% |
| We expect to cut back on our technology innovation strategy/investments |
40% |
40% |
51% |
54% |
47% |
46% |
58% |
| We anticipate no changes to our technology innovation strategy/investments |
18% |
20% |
20% |
20% |
21% |
26% |
15% |
| I don't know |
0% |
1% |
0% |
0% |
0% |
0% |
0% |
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| Sample Size |
160 |
160 |
160 |
160 |
160 |
125 |
125 |
Industry
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| Financial Services: (Net) | 100% | - | - | - | - | - | - |
|
Financial Services - Asset & Wealth Management |
19% |
- |
- |
- |
- |
- |
- |
|
Financial Services - Banking & Capital Markets |
25% |
- |
- |
- |
- |
- |
- |
|
Financial Services - Mortgage & Consumer Lending |
16% |
- |
- |
- |
- |
- |
- |
|
Financial Services - Payments |
16% |
- |
- |
- |
- |
- |
- |
|
Financial Services - Private Equity |
12% |
- |
- |
- |
- |
- |
- |
|
Financial Services - Other |
- |
- |
- |
- |
- |
- |
- |
|
Insurance (other than Healthcare Payer) |
12% |
- |
- |
- |
- |
- |
- |
| Technology, Media, Telecommunications: (Net) | - | 100% | - | - | - | - | - |
|
Technology (Software/High-Tech/Electronics) |
- |
33% |
- | - | - | - | - |
|
Media and Entertainment |
- |
33% |
- | - | - | - | - |
|
Telecommunications and Data Infrastructure |
- |
34% |
- | - | - | - | - |
| Consumer Products & Services: (Net) | - | - | 100% | - | - | - | - |
|
Consumer Packaged Goods |
- | - |
50% |
- | - | - | - |
|
Retail |
- | - |
50% |
- | - | - | - |
| Healthcare: (Net) | - | - | - | 100% | - | - | - |
|
Healthcare - Integrated Delivery Systems (Provider & Payer) |
- | - | - |
34% |
- | - | - |
|
Healthcare Payer/Insurance |
- | - | - |
34% |
- | - | - |
|
Healthcare Provider/Services |
- | - | - |
32% |
- | - | - |
| Manufacturing & Distribution: (Net) | - | - | - | - | 100% | - | - |
|
Automotive |
- | - | - | - |
14% |
- | - |
|
Biotechnology/Medical Devices |
- | - | - | - |
11% |
- | - |
|
Chemicals and Materials |
- | - | - | - |
11% |
- | - |
|
Manufacturing (other than Technology) |
- | - | - | - |
18% |
- | - |
|
Pharmaceuticals and Life Sciences |
- | - | - | - |
11% |
- | - |
|
Transportation and Logistics |
- | - | - | - |
18% |
- | - |
|
Warehousing/Distribution |
- | - | - | - |
17% |
- | - |
| Energy & Utilities: (Net) | - | - | - | - | - | 100% | - |
|
Mining |
- |
- |
- |
- |
- |
24% |
- |
|
Oil and Gas |
- |
- |
- |
- |
- |
26% |
- |
|
Power and Utilities |
- |
- |
- |
- |
- |
26% |
- |
|
Renewables |
- |
- |
- |
- |
- |
24% |
- |
| Public Sector (National Gov. only): (Net) | - | - | - | - | - | - | 100% |
|
Government |
- |
- |
- |
- |
- |
- |
100% |
Size (by Annual Revenue in USD)
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| Less than $25 million |
- |
- |
- |
- |
- |
- |
- |
| $25 million - $99.99 million |
- |
- |
- |
- |
- |
- |
- |
| $100 million - $499.99 million |
- |
- |
- |
- |
- |
- |
- |
| $500 million - $999.99 million |
5% |
22% |
15% |
34% |
24% |
17% |
20% |
| $1 billion - $4.99 billion |
10% |
29% |
18% |
21% |
24% |
30% |
40% |
| $5 billion - $9.99 billion |
45% |
21% |
31% |
19% |
21% |
34% |
20% |
| $10 billion or more |
40% |
28% |
36% |
26% |
31% |
19% |
20% |
Size (by Assets Under Management in USD)
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| Less than $250 million (0.15) |
- |
- |
- |
- |
- |
- |
- |
| $250 million - $999.99 million (0.62) |
- |
- |
- |
- |
- |
- |
- |
| $1 billion - $4.99 billion (3) |
- |
- |
- |
- |
- |
- |
- |
| $5 billion - $9.99 billion (7.50) |
27% |
- |
- |
- |
- |
- |
- |
| $10 billion - $24.99 billion (17.50) |
22% |
- |
- |
- |
- |
- |
- |
| $25 billion - $49.99 billion (37.50) |
22% |
- |
- |
- |
- |
- |
- |
| $50 billion or more (62.50) |
29% |
- |
- |
- |
- |
- |
- |
Ownership Type
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| Publicly held, for profit entity |
52% |
58% |
65% |
34% |
59% |
69% |
- |
| Privately held, for profit entity - preparing to become publicly held |
14% |
14% |
13% |
18% |
11% |
9% |
- |
| Privately held, for profit entity - no current plans to become publicly held |
33% |
28% |
22% |
40% |
30% |
22% |
- |
| Government agency |
1% |
0% |
- |
1% |
- |
- |
100% |
| Non-profit organisation |
- |
- |
- |
7% |
- |
- |
- |
Company Headquarters
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| Australia |
4% |
7% |
2% |
2% |
2% |
10% |
9% |
| Canada |
14% |
9% |
6% |
6% |
4% |
19% |
10% |
| China |
2% |
8% |
6% |
6% |
6% |
2% |
- |
| France |
8% |
4% |
6% |
2% |
8% |
3% |
2% |
| Germany |
4% |
3% |
7% |
3% |
12% |
2% |
2% |
| Hong Kong |
1% |
4% |
7% |
8% |
7% |
6% |
- |
| India |
5% |
4% |
2% |
7% |
6% |
10% |
2% |
| Italy |
5% |
4% |
5% |
5% |
6% |
7% |
- |
| Japan |
2% |
5% |
8% |
4% |
6% |
6% |
- |
| Netherlands |
4% |
3% |
9% |
6% |
4% |
4% |
3% |
| Singapore |
5% |
9% |
2% |
7% |
4% |
3% |
3% |
| United Arab Emirates |
3% |
4% |
2% |
7% |
6% |
7% |
3% |
| United Kingdom |
17% |
12% |
12% |
2% |
7% |
8% |
8% |
| United States |
26% |
24% |
26% |
35% |
22% |
13% |
58% |
Job Title
| Financial Services | Technology, Media, Telecommunications | Consumer Products & Services | Healthcare | Manufacturing & Distribution | Energy & Utilities | Government | |
|---|---|---|---|---|---|---|---|
| Chief Information Officer |
21% |
10% |
16% |
22% |
18% |
24% |
6% |
| Chief Information Security Officer |
23% |
15% |
21% |
17% |
11% |
12% |
3% |
| Chief Technology Officer |
16% |
32% |
10% |
18% |
16% |
18% |
4% |
| Senior Vice President of Information Technology |
15% |
14% |
19% |
14% |
15% |
16% |
2% |
| Vice President of Information Technology |
16% |
9% |
16% |
19% |
17% |
18% |
15% |
| Director of Information Technology |
9% |
20% |
18% |
10% |
23% |
12% |
70% |
