In the last two years, the AFLAC duck has made its way from a park to a sauna, to a roller coaster and to an ice skating rink. In 2002, the AFLAC duck will be found in new locations, including an automotive garage, which is featured on this year's annual report cover. Although our advertising takes a humorous approach to insurance, it also sends a serious message about the need for products that provide cash when it is needed most.

       And millions of consumers in the United States and Japan have learned that the best way to find out about AFLAC and its products is to simply "Ask About it at Work."