distributing products through the worksite. Our more than 354,700 payroll accounts represent just 6% of the 5.7 million small businesses in the United States, which suggests that there remains a vast, untapped market of potential payroll accounts. We believe Aflac is well-positioned to capitalize on the market opportunities that will result in stronger sales and financial results in the coming years. To accomplish that, we will:

• Enhance our product line — We will focus on identifying consumers' needs and develop products that address those needs.
• Strengthen our distribution system — Continued expansion and support of our sales force and sales leadership is essential to reaching more potential consumers, and producing sustainable sales momentum.
• Define the Aflac brand — While brand awareness will always remain a priority, transforming consumer brand awareness into consumer brand understanding will help make our products more relevant to employers and their workers.
• Improve efficiency through technology — We will continue to employ state-of-the-art technology to control operating expenses and improve the services we offer our customers and sales associates.