← ๋Œ€์‹œ๋ณด๋“œ | 2026-08-01 · #13
K๋ฆฌ๊ทธ2 · 2026-08-01 · 19:30 KST
Hwaseong FC
(ํ™”์„ฑfc)
vs
Daegu FC
(๋Œ€๊ตฌfc)
5
:
1
์˜ˆ์ธก : ์›์ •์Šน 40%
🚨 ์ฃผ์˜ํ•ด์•ผ ํ•  ๊ฒฝ๊ธฐ
โš  ์ง€ํ‘œ๊ฐ€ ์—‡๊ฐˆ๋ฆฌ๋Š” ๊ฒฝ๊ธฐ (3๊ฐœ ์‹ ํ˜ธ ํ™œ์„ฑ)
ALPHA ์—”์ง„์˜ 9๊ฐ€์ง€ ์‹ ํ˜ธ ์ค‘ 3๊ฐœ๊ฐ€ ๋ฐฐ๋‹น๊ณผ ๋‹ค๋ฅธ ๋ฐฉํ–ฅ์„ ๊ฐ€๋ฆฌํ‚ต๋‹ˆ๋‹ค. ๊ณผ๊ฑฐ ๋ฐ์ดํ„ฐ์—์„œ ์‹œ์žฅ ๊ดด๋ฆฌ ๊ฒฝ๊ธฐ๋Š” ํ‰๊ท  60% ์ด์ƒ ์˜ˆ์ธก ์ ์ค‘ํ•œ ๊ธฐ๋ก์ด ์žˆ์Šต๋‹ˆ๋‹ค.
  • โš” ๋ฐฐ๋‹น-์ƒ๋Œ€์ „์  ๊ดด๋ฆฌ
    โ”” ์ƒ๋Œ€์ „์  ์šฐ์„ธ ํŒ€๊ณผ ๋ฐฐ๋‹น์ด ์—‡๊ฐˆ๋ฆผ โ†’ Hwaseong FC ์œ ๋ฆฌ ๋ฐฉํ–ฅ
    โ”” ๋ฐฐ๋‹น๊ณผ ์ฐจ์ด: 10.5%p
  • ๐Ÿ“ˆ ๋ฐฐ๋‹น-์‹œ์ฆŒํ†ต๊ณ„ ๊ดด๋ฆฌ
    โ”” ์‹œ์ฆŒ ๋“์‹ค๋ ฅ๊ณผ ๋ฐฐ๋‹น์ด ๋‹ค๋ฆ„ โ†’ Hwaseong FC ์œ ๋ฆฌ ๋ฐฉํ–ฅ
    โ”” ๋ฐฐ๋‹น๊ณผ ์ฐจ์ด: 11.6%p
  • ๐Ÿ›Œ ๋ฐฐ๋‹น-ํœด์‹์ผ ๊ดด๋ฆฌ
    โ”” ์ง์ „ ๊ฒฝ๊ธฐ๋กœ๋ถ€ํ„ฐ์˜ ํ™ˆ/์›์ • ํœด์‹ ๊ฒฉ์ฐจ์™€ ๋ฐฐ๋‹น์ด ๋‹ค๋ฆ„ (๋” ์‰ฐ ํŒ€ ์œ ๋ฆฌ) โ†’ Hwaseong FC ์œ ๋ฆฌ ๋ฐฉํ–ฅ
    โ”” ๋ฐฐ๋‹น๊ณผ ์ฐจ์ด: 18.8%p
๐Ÿ“Œ ์‹ ํ˜ธ ๋งŽ์„์ˆ˜๋ก "์‹œ์žฅ ๊ดด๋ฆฌ" ํฐ ๊ฒฝ๊ธฐ โ€” ALPHA ๋ฐฑํ…Œ์ŠคํŠธ์ƒ 4๊ฐœ+ ์‹ ํ˜ธ ๊ฒฝ๊ธฐ ์ ์ค‘๋ฅ  60.24%
๐Ÿค–5๊ฐœ AI ์—”์ง„ ๋…๋ฆฝ ๋ถ„์„ โ€” ๊ฒฐ๊ณผ๊ฐ€ ๋‹ค๋ฅผ ์ˆ˜ ์žˆ์Šต๋‹ˆ๋‹ค (๋ชจ๋‘ ํ•ฉ์˜ ์‹œ ๊ฐ•ํ•œ ์‹ ํ˜ธ)
๐Ÿ† ์Šน๋ฌดํŒจ (ALPHA2)
๐ŸŽฏ A
39.6%
H 34.2% ยท D 26.3% ยท A 39.6%
๐Ÿ›ก ๋”๋ธ”์ฐฌ์Šค (DL AI)
๐Ÿ›ก X2
93.1%
1X 31.0% ยท X2 93.1% ยท 12 66.0% ยท ๋ฐฐ๋‹น 1.41 ยท CV 68.8% (๋งค์šฐ๋†’์Œ)
โšฝ ์–ธ๋”/์˜ค๋ฒ„ (OU AI)
โšฝ O
62.5%
O 62.5% ยท U 37.5% ยท ๋ผ์ธ 2.5 ยท CV 54.2% ยท ์ž์‹ ๊ฐ 62% (๋†’์Œ)
๐Ÿ“ ํ•ธ๋””์บก (HL AI)
๐Ÿ“ 1(+1)
42.8%
1(-1) 8.0% ยท 1(+1) 42.8% ยท 2(-1) 33.5% ยท 2(+1) 88.1% ยท CV 27.7% (๋ณดํ†ต)
๐ŸŽฏ ์–‘ํŒ€๋“์  (BTTS AI)
๐ŸŽฏ YES
56.6%
YES 56.6% ยท NO 43.4% ยท CV 67.2% (๋ณดํ†ต+)
๐Ÿ“Š ์™ธ๋ถ€ ์˜ˆ์ธก ์‚ฌ์ดํŠธ
โญ ์•ˆ์ „ (๋”๋ธ” 76%)๐Ÿ”ฅ ๊ณ ๋ฐฐ๋‹น (๋‹จ์ผ 63%)
WhoScored
๐Ÿšซ
WINDRAWWIN
1 - 2
Prosoccer
โ€”
โญ Forebet ๐Ÿ”ฅ
1 - 2
โญ Predictor
โ€”
K๋ฆฌ๊ทธ2 #13 Hwaseong FC vs Daegu FC 5:1
์›์ •์Šน 40%
โญ ๋ฌด/์›์ • (X2) 93%
์›์ • ํ•ธ๋”” 1
์˜ค๋ฒ„ 2.5
3/10
TRUST
6์œ„
์ˆœ์œ„
31
์Šน์ 
-
Rating
(K League 2)
VS
5์œ„
์ˆœ์œ„
32
์Šน์ 
-
Rating
(K League 2)
๐Ÿ‡ฐ๐Ÿ‡ท ๊ตญ๋‚ด๋ฐฐ๋‹น ๐ŸŒ ํ•ด์™ธ๋ฐฐ๋‹น
ํ™ˆ ๋ฌด ์›์ • ํ™ˆ ๋ฌด ์›์ •
ํ˜„์žฌ 2.95 3.30 1.97 3.10 3.40 2.00
์ดˆ๊ธฐ โ€” โ€” โ€” 3.10 3.40 2.00
์˜ค๋ฒ„/์–ธ๋”
์˜ค๋ฒ„ 0.5 1.04 93% ์–ธ๋” 0.5 13 7%
์˜ค๋ฒ„ 1.5 1.22 77% ์–ธ๋” 1.5 4 23%
์˜ค๋ฒ„ 2.5 OU AI ๐ŸŽฏ ์ถ”์ฒœ 1.73 62% ์–ธ๋” 2.5 2.08 38%
์˜ค๋ฒ„ 3.5 2.75 34% ์–ธ๋” 3.5 1.4 66%
์˜ค๋ฒ„ 4.5 5.5 17% ์–ธ๋” 4.5 1.14 83%
์˜ค๋ฒ„ 5.5 11 9% ์–ธ๋” 5.5 1.05 91%
์˜ค๋ฒ„ 6.5 23 4% ์–ธ๋” 6.5 1.01 96%
์˜ค๋ฒ„ 7.5 51 2% ์–ธ๋” 7.5 1 98%
K๋ฆฌ๊ทธ2 ์ˆœ์œ„ํ‘œ
๋ผ์šด๋“œ ์‹œ์ž‘ ์ „ ์ดˆ๊ธฐ ์ˆœ์œ„
# ํŒ€ ์Šน์  ๊ฒฝ๊ธฐ ์Šน ๋ฌด ํŒจ ๋“์  ์‹ค์  ๋“์‹ค
1 Busan I'Park (๋ถ€์‚ฐ) 36 18 11 3 4 36 25 +11
2 Suwon Bluewings (์ˆ˜์› ์‚ผ์„ฑ) 36 18 11 3 4 26 15 +11
3 Suwon FC (์ˆ˜์›fc) 33 18 9 6 3 38 24 +14
4 Seoul E-Land (์„œ์šธ์ด๋žœ) 33 18 10 3 5 34 24 +10
5 Daegu FC (๋Œ€๊ตฌfc) 32 18 9 5 4 37 25 +12
6 Hwaseong FC (ํ™”์„ฑfc) 31 18 9 4 5 29 21 +8
7 GimPo Citizen (๊น€ํฌfc) 26 18 6 8 4 21 20 +1
8 Asan Mugunghwa (์ถฉ๋‚จ์•„์‚ฐ) 24 18 6 6 6 26 23 +3
9 Gyeongnam (๊ฒฝ๋‚จ FC) 24 18 6 6 6 26 26 0
10 Seongnam FC (์„ฑ๋‚จfc) 20 17 4 8 5 17 18 -1
11 Cheonan City (์ฒœ์•ˆ์‹œํ‹ฐ) 19 18 4 7 7 22 24 -2
12 Yongin City (์šฉ์ธ) 18 18 3 9 6 21 27 -6
13 Paju Citizen (ํŒŒ์ฃผ์‹œ๋ฏผ) 18 18 5 3 10 17 23 -6
14 Cheongju FC (์ฒญ์ฃผfc) 18 18 2 12 4 21 28 -7
15 Ansan Greeners (์•ˆ์‚ฐ) 17 18 5 2 11 18 34 -16
16 Jeonnam Dragons (์ „๋‚จ) 13 18 2 7 9 20 32 -12
17 Gimhae City (๊น€ํ•ด์‹œํ‹ฐ) 10 17 2 4 11 14 34 -20
K๋ฆฌ๊ทธ1 ์ž๋™ ์Šน๊ฒฉ์Šน๊ฒฉ PO
์ตœ๊ทผ ํผ ๋น„๊ต
Hwaseong FC ํ™ˆ ยท ์ตœ๊ทผ 5๊ฒฝ๊ธฐ
3
์Šน
1
๋ฌด
1
ํŒจ
60%
์Šน๋ฅ 
๋ฌดํŒจ์œจ 80% ๋“ 14 / ์‹ค 10
Daegu FC ์›์ • ยท ์ตœ๊ทผ 5๊ฒฝ๊ธฐ
2
์Šน
1
๋ฌด
2
ํŒจ
40%
์Šน๋ฅ 
๋ฌดํŒจ์œจ 60% ๋“ 10 / ์‹ค 7
H Hwaseong FC
DWWWLLWWWD
|
๋‚ ์งœ ๋ฆฌ๊ทธ ํ™ˆ ์Šค์ฝ”์–ด ์–ด์›จ์ด ๋ฐฐ๋‹น
D 07.29 FA Cup Jeju SK 3 : 3 Hwaseong FC 1.733.54
W 07.25 K League 2 (6์œ„) Hwaseong FC 3 : 2 Chungnam Asan FC (8์œ„) 2.153.23.1
W 07.19 K League 2 (12์œ„) Yongin FC 0 : 3 Hwaseong FC (5์œ„) 2.883.12.25
W 07.15 FA Cup Hwaseong FC 4 : 3 Yangpyeong FC 1.446.5
L 07.11 K League 2 (5์œ„) Hwaseong FC 1 : 2 Paju Frontier FC (12์œ„) 1.753.44.2
L 06.06 K League 2 (4์œ„) Hwaseong FC 1 : 2 Suwon Samsung Bluewings (2์œ„) 3.253.252.1
W 05.31 K League 2 (4์œ„) Hwaseong FC 2 : 0 Gyeongnam FC (11์œ„) 2.053.13.3
W 05.23 K League 2 (15์œ„) Cheongju FC 2 : 3 Hwaseong FC (5์œ„) 2.532.8
W 05.17 K League 2 (5์œ„) Hwaseong FC 3 : 2 Busan I Park (1์œ„) 3.13.12.15
D 05.09 K League 2 (5์œ„) Hwaseong FC 1 : 1 Suwon FC (4์œ„) 3.13.12.15
A Daegu FC
LDLWWWDWWD
|
๋‚ ์งœ ๋ฆฌ๊ทธ ํ™ˆ ์Šค์ฝ”์–ด ์–ด์›จ์ด ๋ฐฐ๋‹น
L 07.25 K League 2 (3์œ„) Daegu FC 1 : 2 Suwon FC (4์œ„) 1.83.63.5
D 07.18 K League 2 (6์œ„) Gimpo FC 1 : 1 Daegu FC (4์œ„) 2.93.22.2
L 07.15 FA Cup Daegu FC 0 : 1 Siheung City 1.673.54.33
W 07.11 K League 2 (4์œ„) Daegu FC 3 : 2 Seongnam FC (10์œ„)๐ŸŸฅ1 1.833.43.9
W 07.04 K League 2 (14์œ„) Cheongju FC 1 : 5 Daegu FC (4์œ„) 4.23.51.7
W 06.05 K League 2 (5์œ„) Daegu FC 1 : 0 Paju Frontier FC (12์œ„) 1.454.16.25
D 05.30 K League 2 Yongin FC 1 : 1 Daegu FC โ€”
W 05.24 K League 2 (6์œ„) Daegu FC 3 : 0 Ansan Greeners FC (13์œ„) 1.364.57
W 05.17 K League 2 (17์œ„) Gimhae City FC 1 : 4 Daegu FC (7์œ„) 4.753.81.55
D 05.09 K League 2 (2์œ„) Suwon Samsung Bluewings 0 : 0 Daegu FC (6์œ„) 1.853.43.6
๐Ÿ“Š ์Šคํƒฏ ๋น„๊ต (K๋ฆฌ๊ทธ2)
Hwaseong FCDaegu FC
-โญ ํ‰๊ท  ๋ ˆ์ดํŒ…-
23๊ฒฝ๊ธฐ์ˆ˜23
36๋“์ 44
24์‹ค์ 32
25์–ด์‹œ์ŠคํŠธ31
1.6๊ฒฝ๊ธฐ๋‹น ๋“์ 1.9
45.3%์ ์œ ์œจ53.6%
1.0์‹ค์ /๊ฒฝ๊ธฐ1.4
8ํด๋ฆฐ์‹œํŠธ7
36.0์ธํ„ฐ์…‰ํŠธ/๊ฒฝ๊ธฐ34.6
2.3๊ฒฝ๊ณ /๊ฒฝ๊ธฐ1.6
์‹œ์ฆŒ ์Šคํƒฏ (์ˆ˜๊ธฐ ์ž…๋ ฅ) ยท 2026-09-03 05:42
์ƒ๋Œ€์ „์  (H2H) โ€” ์ด 1๊ฒฝ๊ธฐ๐Ÿ“ฅ ์ˆ˜๊ธฐ
์ข…ํ•ฉ ํŒ๋‹จ
์›์ •์Šน ์ถ”์ฒœ โ€” ์‹ ๋ขฐ๋„ ๋‚ฎ์Œ (40%)
๋ณต์ˆ˜ ํ”ฝ: ๋ฌด/์›์ • (X2) 93%
ํ•ธ๋””์บก: ์›์ • ํ•ธ๋”” 1
์˜ค๋ฒ„/์–ธ๋”: ์˜ค๋ฒ„ 2.5 62%
๋ผ์ธ์—… & ํฌ๋ฉ”์ด์…˜
ํ™ˆ ํฌ๋ฉ”์ด์…˜
3-4-3
Hwaseong FC
์›์ • ํฌ๋ฉ”์ด์…˜
3-4-3
Daegu FC
๋ผ์ธ์—…: ํ™•์ •
ํ™ˆ ์„ ๋ฐœ
# ์„ ์ˆ˜ ํฌ์ง€์…˜ ํ‰์ 
1Kim Seung-Gun๊ณจํ‚คํผ-
20Park Jun-Seo์ˆ˜๋น„-
15A. Vojnoviฤ‡์ˆ˜๋น„-
4Min-Jun Jang์ˆ˜๋น„-
22Kim Dae-Hwan๋ฏธ๋“œํ•„๋”-
13Park Jae-Seong๋ฏธ๋“œํ•„๋”-
92Lee Jong-Sung๋ฏธ๋“œํ•„๋”-
11L. Pllana๊ณต๊ฒฉ-
14Kim Byong-Oh๊ณต๊ฒฉ-
7Jegal Jae-Min๊ณต๊ฒฉ-
๊ต์ฒด ์„ ์ˆ˜
38Park Eui-Jeong๊ณจํ‚คํผ-
16Choi Myeong-Hee์ˆ˜๋น„-
44Ham Sun-Woo์ˆ˜๋น„-
10Demethryus๋ฏธ๋“œํ•„๋”-
8Jeon Seong-Jin๋ฏธ๋“œํ•„๋”-
29Son Seung-Beom๊ณต๊ฒฉ-
90S. Iljutcenko๊ณต๊ฒฉ-
97Rae-Jun Lee๊ณต๊ฒฉ-
์›์ • ์„ ๋ฐœ
# ์„ ์ˆ˜ ํฌ์ง€์…˜ ํ‰์ 
20Kim Kang-San์ˆ˜๋น„-
50Kim Hyeong-Jin์ˆ˜๋น„-
26Hwang In-Taek์ˆ˜๋น„-
2Hwang Jae-Won๋ฏธ๋“œํ•„๋”-
30Han Jong-Mu๋ฏธ๋“œํ•„๋”-
29Ryu Jae-Moon๋ฏธ๋“œํ•„๋”-
72Choi Kang-min๋ฏธ๋“œํ•„๋”-
7Danrlei๊ณต๊ฒฉ-
77Kim Ju-Kong๊ณต๊ฒฉ-
๊ต์ฒด ์„ ์ˆ˜
1Goh Dong-Min๊ณจํ‚คํผ-
15Lee Won-Woo์ˆ˜๋น„-
27Jung Heon-Taek์ˆ˜๋น„-
70Yoo Ji-Un์ˆ˜๋น„-
8Han Kook-Young๋ฏธ๋“œํ•„๋”-
25Kim Dae-Woo๋ฏธ๋“œํ•„๋”-
16M. Dackers๊ณต๊ฒฉ-
99In-Hyeok Park๊ณต๊ฒฉ-
๊ฒฝ๊ธฐ ์ด๋ฒคํŠธ
๐Ÿ  Hwaseong FC
Daegu FC โœˆ๏ธ
4' Matheus Serafim
4' Park Kyung-Min
6' Park Jun-seo
⚽ 15' L. Pllana
⚽ 40' L. Pllana
45' Jegal Jae-Min
🔄 46' Lee Won-Woo ← Kim Hyeong-Jin
🔄 46' Park In-Hyeok ← Choi Kang-Min
⚽ 50' Jegal Jae-Min
⚽ 60' L. Pllana
60' L. Pllana
⚽ 62' Park In-Hyeok
⚽ PK 65' L. Pllana
🔄 65' S. Ilyuchenko ← Kim Byung-Oh
🔄 73' Choi Myung-Hee ← Lee Jong-Sung
🔄 73' C. Lim ← Park Kyung-Min
🔄 73' M. Dackers ← Darnlei
🔄 73' Han Kook-Young ← Ryu Jae-Moon
🔄 76' Demethryus ← L. Pllana
🔄 76' Son Seung-Beom ← Jegal Jae-Min
🔄 82' You Ji-un ← Han Jong-Mu
📊 ์˜ˆ์ธก ๋ณ€ํ™” ์ถ”์  (2๊ฐœ ๋ฒ„์ „)
v1
ํŒจ H21.6% D30.8% A47.6%
2026-08-01 16:39 ๋งค์šฐ๋†’์Œ
H 21.6% D 30.8% A 47.6%
v1
ํŒจ H34.2% D26.3% A39.6% (H+12.6, D-4.5, A-8.0) ํ˜„์žฌ
์ตœ์‹  ๋‚ฎ์Œ
H 34.2% D 26.3% A 39.6%
์œ ์‚ฌ ๊ณผ๊ฑฐ ๊ฒฝ๊ธฐ
์ด 8๊ฒฝ๊ธฐ โœ“ ๋ฐฐ๋‹น๋Œ€๋กœ 6 (75%) ๐Ÿ” ๋ฌด์Šน๋ถ€ 0 (0%) โšก ์—ญ๋ฐฐ 2 (25%)
2025-05-04 | K๋ฆฌ๊ทธ2 ์Šน/๋ฌด/ํŒจ ๋ฐฐ๋‹น 3.50 / 3.50 / 2.00
Seongnam FC vs Seoul E-Land FC 1:2
โœ“ ๋ฐฐ๋‹น๋Œ€๋กœ์œ ์‚ฌ ๋žญํ‚น 80%์œ ์‚ฌ ํ๋ฆ„ 75%์œ ์‚ฌ ๋ฐฐ๋‹น 20%
2025-05-04 | K๋ฆฌ๊ทธ2 ์Šน/๋ฌด/ํŒจ ๋ฐฐ๋‹น 3.20 / 3.30 / 2.20
Ansan Greeners FC vs Gyeongnam FC 1:0
โšก ์—ญ๋ฐฐ ๋ฐœ์ƒ์œ ์‚ฌ ๋žญํ‚น 40%์œ ์‚ฌ ํ๋ฆ„ 75%์œ ์‚ฌ ๋ฐฐ๋‹น 80%
2025-05-10 | K๋ฆฌ๊ทธ2 ์Šน/๋ฌด/ํŒจ ๋ฐฐ๋‹น 3.00 / 3.25 / 2.15
Gyeongnam FC vs Bucheon FC 1995 0:3
โœ“ ๋ฐฐ๋‹น๋Œ€๋กœ์œ ์‚ฌ ๋žญํ‚น 60%์œ ์‚ฌ ํ๋ฆ„ 50%์œ ์‚ฌ ๋ฐฐ๋‹น 80%
2025-05-11 | K๋ฆฌ๊ทธ2 ์Šน/๋ฌด/ํŒจ ๋ฐฐ๋‹น 3.00 / 3.10 / 2.20
Cheongju FC vs Busan I Park 0:2
โœ“ ๋ฐฐ๋‹น๋Œ€๋กœ์œ ์‚ฌ ๋žญํ‚น 60%์œ ์‚ฌ ํ๋ฆ„ 50%์œ ์‚ฌ ๋ฐฐ๋‹น 80%
2025-05-17 | K๋ฆฌ๊ทธ2 ์Šน/๋ฌด/ํŒจ ๋ฐฐ๋‹น 2.88 / 3.60 / 2.20
Gyeongnam FC vs Chungnam Asan FC 1:3
โœ“ ๋ฐฐ๋‹น๋Œ€๋กœ์œ ์‚ฌ ๋žญํ‚น 80%์œ ์‚ฌ ํ๋ฆ„ 75%์œ ์‚ฌ ๋ฐฐ๋‹น 56%
2025-05-17 | K๋ฆฌ๊ทธ2 ์Šน/๋ฌด/ํŒจ ๋ฐฐ๋‹น 2.75 / 3.30 / 2.40
Busan I Park vs Suwon Samsung Bluewings 1:4
โœ“ ๋ฐฐ๋‹น๋Œ€๋กœ์œ ์‚ฌ ๋žญํ‚น 60%์œ ์‚ฌ ํ๋ฆ„ 25%์œ ์‚ฌ ๋ฐฐ๋‹น 30%
2025-05-18 | K๋ฆฌ๊ทธ2 ์Šน/๋ฌด/ํŒจ ๋ฐฐ๋‹น 3.20 / 3.40 / 2.10
Gimpo FC vs Seoul E-Land FC 1:2
โœ“ ๋ฐฐ๋‹น๋Œ€๋กœ์œ ์‚ฌ ๋žญํ‚น 20%์œ ์‚ฌ ํ๋ฆ„ 25%์œ ์‚ฌ ๋ฐฐ๋‹น 80%
2025-05-31 | K๋ฆฌ๊ทธ2 ์Šน/๋ฌด/ํŒจ ๋ฐฐ๋‹น 2.70 / 2.90 / 2.55
Ansan Greeners FC vs Seongnam FC 1:0
โšก ์—ญ๋ฐฐ ๋ฐœ์ƒ์œ ์‚ฌ ๋žญํ‚น 0%์œ ์‚ฌ ํ๋ฆ„ 0%์œ ์‚ฌ ๋ฐฐ๋‹น 20%