DylanJHJ/FINAL · Datasets at Hugging Face

idB stringlengths 19 25	idA stringlengths 19 25	sentA stringlengths 24 1.82k	sentB stringlengths 24 1.43k	type int64 2 2	words list	wordsA list	wordsB list	keywordsA list	keywordsB list	labels list	probs list
1010612_18_item7_p10_s6	1010612_17_item7_p9_s3	The results of operations of Qelp have been reflected in the accompanying Consolidated Statements of Operations since July 2, 2015.	The results of operations of Clearlink have been reflected in the accompanying Consolidated Statements of Operations since April 1, 2016.	2	[ "<tag1>", "The", "results", "of", "operations", "of", "Qelp", "have", "been", "reflected", "in", "the", "accompanying", "Consolidated", "Statements", "of", "Operations", "since", "July", "2", ",", "2015", ".", "<tag2>", "The", "results", "of", "operations", "of", "Clearlink", "have", "been", "reflected", "in", "the", "accompanying", "Consolidated", "Statements", "of", "Operations", "since", "April", "1", ",", "2016", ".", "<tag3>" ]	[ "The", "results", "of", "operations", "of", "Qelp", "have", "been", "reflected", "in", "the", "accompanying", "Consolidated", "Statements", "of", "Operations", "since", "July", "2", ",", "2015", "." ]	[ "The", "results", "of", "operations", "of", "Clearlink", "have", "been", "reflected", "in", "the", "accompanying", "Consolidated", "Statements", "of", "Operations", "since", "April", "1", ",", "2016", "." ]	[]	[ "Clearlink", "April", "1" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, 0, -100, -100, 1, -100, -100, -100, 0, -100, 0, 0, -100, -100, 0, 0, 1, 1, -100, 0, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
1010612_18_item7_p12_s1	1010612_17_item7_p9_s4	The following table sets forth, for the years indicated, the amounts reflected in the accompanying Consolidated Statements of Operations as well as the changes between the respective years:	The following table sets forth, for the years indicated, the amounts presented in the accompanying Consolidated Statements of Operations as a percentage of revenues:	2	[ "<tag1>", "The", "following", "table", "sets", "forth", ",", "for", "the", "years", "indicated", ",", "the", "amounts", "reflected", "in", "the", "accompanying", "Consolidated", "Statements", "of", "Operations", "as", "well", "as", "the", "changes", "between", "the", "respective", "years", ":", "<tag2>", "The", "following", "table", "sets", "forth", ",", "for", "the", "years", "indicated", ",", "the", "amounts", "presented", "in", "the", "accompanying", "Consolidated", "Statements", "of", "Operations", "as", "a", "percentage", "of", "revenues", ":", "<tag3>" ]	[ "The", "following", "table", "sets", "forth", ",", "for", "the", "years", "indicated", ",", "the", "amounts", "reflected", "in", "the", "accompanying", "Consolidated", "Statements", "of", "Operations", "as", "well", "as", "the", "changes", "between", "the", "respective", "years", ":" ]	[ "The", "following", "table", "sets", "forth", ",", "for", "the", "years", "indicated", ",", "the", "amounts", "presented", "in", "the", "accompanying", "Consolidated", "Statements", "of", "Operations", "as", "a", "percentage", "of", "revenues", ":" ]	[]	[ "presented", "percentage", "revenues" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, 0, -100, -100, 0, -100, -100, 0, 0, 0, -100, 0, 1, -100, -100, -100, -100, -100, -100, -100, 0, -100, 1, -100, 1, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p17_s0	101199_11_item7_p101_s1	Our principal life insurance products are deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.	life insurance, which includes deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.	2	[ "<tag1>", "Our", "principal", "life", "insurance", "products", "are", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", ".", "<tag2>", "life", "insurance", ",", "which", "includes", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", ".", "<tag3>" ]	[ "Our", "principal", "life", "insurance", "products", "are", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", "." ]	[ "life", "insurance", ",", "which", "includes", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", "." ]	[]	[ "includes" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 1, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p110_s2	101199_11_item7_p107_s2	At December 31, 2010 , $2.3 billion , or 99.7 percent, of our fixed maturities were classified as available-for-sale, compared with $2.2 billion , or 99.6 percent, at December 31, 2009 .	At December 31, 2011 , $2.7 billion , or 99.4 percent, of our fixed maturities were classified as available-for-sale, compared with $2.3 billion , or 99.2 percent, at December 31, 2010 , due to the addition of Mercer Insurance Group's investment portfolio.	2	[ "<tag1>", "At", "December", "31", ",", "2010", ",", "$", "2.3", "billion", ",", "or", "99.7", "percent", ",", "of", "our", "fixed", "maturities", "were", "classified", "as", "available", "-", "for", "-", "sale", ",", "compared", "with", "$", "2.2", "billion", ",", "or", "99.6", "percent", ",", "at", "December", "31", ",", "2009", ".", "<tag2>", "At", "December", "31", ",", "2011", ",", "$", "2.7", "billion", ",", "or", "99.4", "percent", ",", "of", "our", "fixed", "maturities", "were", "classified", "as", "available", "-", "for", "-", "sale", ",", "compared", "with", "$", "2.3", "billion", ",", "or", "99.2", "percent", ",", "at", "December", "31", ",", "2010", ",", "due", "to", "the", "addition", "of", "Mercer", "Insurance", "Group", "'s", "investment", "portfolio", ".", "<tag3>" ]	[ "At", "December", "31", ",", "2010", ",", "$", "2.3", "billion", ",", "or", "99.7", "percent", ",", "of", "our", "fixed", "maturities", "were", "classified", "as", "available", "-", "for", "-", "sale", ",", "compared", "with", "$", "2.2", "billion", ",", "or", "99.6", "percent", ",", "at", "December", "31", ",", "2009", "." ]	[ "At", "December", "31", ",", "2011", ",", "$", "2.7", "billion", ",", "or", "99.4", "percent", ",", "of", "our", "fixed", "maturities", "were", "classified", "as", "available", "-", "for", "-", "sale", ",", "compared", "with", "$", "2.3", "billion", ",", "or", "99.2", "percent", ",", "at", "December", "31", ",", "2010", ",", "due", "to", "the", "addition", "of", "Mercer", "Insurance", "Group", "'s", "investment", "portfolio", "." ]	[]	[ "2.7", "99.4", "99.2", "due", "addition", "Mercer", "Insurance", "Group", "'s", "investment", "portfolio" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, -100, 0, 0, 0, 0, 1, 0, 0, 0, 1, 0, -100, 0, 0, -100, 0, 0, 0, 0, 0, 0, -100, -100, 0, -100, 0, 0, 0, 0, 0, 0, -100, 1, 0, 0, -100, -100, 0, -100, 0, 0, 1, 0, 0, 1, -100, 1, 1, 1, 1, 1, 1, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p116_s1	101199_11_item7_p116_s1	Mortgage-backed securities and collateralized mo rtgage obligations may be subject to prepayment risk and are therefore not categorized by contractual maturity.	Asset-backed securities, mortgage-backed securities and collateralized mortgage obligations may be subject to prepayment risk and are therefore not categorized by contractual maturity.	2	[ "<tag1>", "Mortgage", "-", "backed", "securities", "and", "collateralized", "mo", "rtgage", "obligations", "may", "be", "subject", "to", "prepayment", "risk", "and", "are", "therefore", "not", "categorized", "by", "contractual", "maturity", ".", "<tag2>", "Asset", "-", "backed", "securities", ",", "mortgage", "-", "backed", "securities", "and", "collateralized", "mortgage", "obligations", "may", "be", "subject", "to", "prepayment", "risk", "and", "are", "therefore", "not", "categorized", "by", "contractual", "maturity", ".", "<tag3>" ]	[ "Mortgage", "-", "backed", "securities", "and", "collateralized", "mo", "rtgage", "obligations", "may", "be", "subject", "to", "prepayment", "risk", "and", "are", "therefore", "not", "categorized", "by", "contractual", "maturity", "." ]	[ "Asset", "-", "backed", "securities", ",", "mortgage", "-", "backed", "securities", "and", "collateralized", "mortgage", "obligations", "may", "be", "subject", "to", "prepayment", "risk", "and", "are", "therefore", "not", "categorized", "by", "contractual", "maturity", "." ]	[]	[ "Asset", "mortgage", "mortgage" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 0, -100, 0, 0, 1, 0, 0, -100, -100, 0, 1, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p119_s1	101199_11_item7_p116_s1	Mortgage-backed securities and collateralized mo rtgage obligations may be subject to prepayment risk and are therefore not categorized by contractual maturity.	Asset-backed securities, mortgage-backed securities and collateralized mortgage obligations may be subject to prepayment risk and are therefore not categorized by contractual maturity.	2	[ "<tag1>", "Mortgage", "-", "backed", "securities", "and", "collateralized", "mo", "rtgage", "obligations", "may", "be", "subject", "to", "prepayment", "risk", "and", "are", "therefore", "not", "categorized", "by", "contractual", "maturity", ".", "<tag2>", "Asset", "-", "backed", "securities", ",", "mortgage", "-", "backed", "securities", "and", "collateralized", "mortgage", "obligations", "may", "be", "subject", "to", "prepayment", "risk", "and", "are", "therefore", "not", "categorized", "by", "contractual", "maturity", ".", "<tag3>" ]	[ "Mortgage", "-", "backed", "securities", "and", "collateralized", "mo", "rtgage", "obligations", "may", "be", "subject", "to", "prepayment", "risk", "and", "are", "therefore", "not", "categorized", "by", "contractual", "maturity", "." ]	[ "Asset", "-", "backed", "securities", ",", "mortgage", "-", "backed", "securities", "and", "collateralized", "mortgage", "obligations", "may", "be", "subject", "to", "prepayment", "risk", "and", "are", "therefore", "not", "categorized", "by", "contractual", "maturity", "." ]	[]	[ "Asset", "mortgage", "mortgage" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 0, -100, -100, 0, 1, -100, 0, -100, 0, 0, 1, 0, -100, 0, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p121_s3	101199_11_item7_p118_s0	NM = not meaningful Net Investment Income In 2010 , our investment income, net of investment expenses, increased $5.6 million to $111.7 million as compared to the same period in 2009 .	In 2010 , our investment income, net of investment expenses, increased $5.6 million to $111.7 million as compared to 2009 .	2	[ "<tag1>", "NM", "=", "not", "meaningful", "Net", "Investment", "Income", "In", "2010", ",", "our", "investment", "income", ",", "net", "of", "investment", "expenses", ",", "increased", "$", "5.6", "million", "to", "$", "111.7", "million", "as", "compared", "to", "the", "same", "period", "in", "2009", ".", "<tag2>", "In", "2010", ",", "our", "investment", "income", ",", "net", "of", "investment", "expenses", ",", "increased", "$", "5.6", "million", "to", "$", "111.7", "million", "as", "compared", "to", "2009", ".", "<tag3>" ]	[ "NM", "=", "not", "meaningful", "Net", "Investment", "Income", "In", "2010", ",", "our", "investment", "income", ",", "net", "of", "investment", "expenses", ",", "increased", "$", "5.6", "million", "to", "$", "111.7", "million", "as", "compared", "to", "the", "same", "period", "in", "2009", "." ]	[ "In", "2010", ",", "our", "investment", "income", ",", "net", "of", "investment", "expenses", ",", "increased", "$", "5.6", "million", "to", "$", "111.7", "million", "as", "compared", "to", "2009", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p133_s1	101199_11_item7_p129_s0	Our primary mark et risk exposure is to changes in interest rates.	Our primary market risk exposure is to changes in interest rates.	2	[ "<tag1>", "Our", "primary", "mark", "et", "risk", "exposure", "is", "to", "changes", "in", "interest", "rates", ".", "<tag2>", "Our", "primary", "market", "risk", "exposure", "is", "to", "changes", "in", "interest", "rates", ".", "<tag3>" ]	[ "Our", "primary", "mark", "et", "risk", "exposure", "is", "to", "changes", "in", "interest", "rates", "." ]	[ "Our", "primary", "market", "risk", "exposure", "is", "to", "changes", "in", "interest", "rates", "." ]	[]	[ "market" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 1, -100, 0, -100, -100, -100, -100, -100, 0, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p132_s1	101199_11_item7_p131_s0	Market Risk and Duration The active management of market risk is integral to our operations.	The active management of market risk is integral to our operations.	2	[ "<tag1>", "Market", "Risk", "and", "Duration", "The", "active", "management", "of", "market", "risk", "is", "integral", "to", "our", "operations", ".", "<tag2>", "The", "active", "management", "of", "market", "risk", "is", "integral", "to", "our", "operations", ".", "<tag3>" ]	[ "Market", "Risk", "and", "Duration", "The", "active", "management", "of", "market", "risk", "is", "integral", "to", "our", "operations", "." ]	[ "The", "active", "management", "of", "market", "risk", "is", "integral", "to", "our", "operations", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p135_s0	101199_11_item7_p131_s1	We analyze potential changes in the value of our investment portfolio due to the market risk factors noted ab ove within the overall context of asset and liability management.	Market Risk and Duration We analyze potential changes in the value of our investment portfolio due to the market risk factors noted above within the overall context of asset and liability management.	2	[ "<tag1>", "We", "analyze", "potential", "changes", "in", "the", "value", "of", "our", "investment", "portfolio", "due", "to", "the", "market", "risk", "factors", "noted", "ab", "ove", "within", "the", "overall", "context", "of", "asset", "and", "liability", "management", ".", "<tag2>", "Market", "Risk", "and", "Duration", "We", "analyze", "potential", "changes", "in", "the", "value", "of", "our", "investment", "portfolio", "due", "to", "the", "market", "risk", "factors", "noted", "above", "within", "the", "overall", "context", "of", "asset", "and", "liability", "management", ".", "<tag3>" ]	[ "We", "analyze", "potential", "changes", "in", "the", "value", "of", "our", "investment", "portfolio", "due", "to", "the", "market", "risk", "factors", "noted", "ab", "ove", "within", "the", "overall", "context", "of", "asset", "and", "liability", "management", "." ]	[ "Market", "Risk", "and", "Duration", "We", "analyze", "potential", "changes", "in", "the", "value", "of", "our", "investment", "portfolio", "due", "to", "the", "market", "risk", "factors", "noted", "above", "within", "the", "overall", "context", "of", "asset", "and", "liability", "management", "." ]	[]	[ "Market", "Risk", "Duration" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 1, -100, 1, -100, -100, -100, 0, -100, 0, -100, 0, 0, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, -100, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p151_s0	101199_11_item7_p144_s2	The timing and amount of reinsurance recoveries may be affected by reinsurer solvency and reinsurance cove rage disputes.	The timing and amount of reinsurance recoveries may be affected by reinsurer solvency and reinsurance coverage disputes.	2	[ "<tag1>", "The", "timing", "and", "amount", "of", "reinsurance", "recoveries", "may", "be", "affected", "by", "reinsurer", "solvency", "and", "reinsurance", "cove", "rage", "disputes", ".", "<tag2>", "The", "timing", "and", "amount", "of", "reinsurance", "recoveries", "may", "be", "affected", "by", "reinsurer", "solvency", "and", "reinsurance", "coverage", "disputes", ".", "<tag3>" ]	[ "The", "timing", "and", "amount", "of", "reinsurance", "recoveries", "may", "be", "affected", "by", "reinsurer", "solvency", "and", "reinsurance", "cove", "rage", "disputes", "." ]	[ "The", "timing", "and", "amount", "of", "reinsurance", "recoveries", "may", "be", "affected", "by", "reinsurer", "solvency", "and", "reinsurance", "coverage", "disputes", "." ]	[]	[ "coverage" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, 0, -100, 1, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p161_s3	101199_11_item7_p153_s10	Dividend payments by the insurance subsidiaries to United Fire are subject to similar restrictions in the states in which they are domiciled.	Dividend payments by the other insurance subsidiaries in the holding company system are subject to similar restrictions in the states in which they are domiciled.	2	[ "<tag1>", "Dividend", "payments", "by", "the", "insurance", "subsidiaries", "to", "United", "Fire", "are", "subject", "to", "similar", "restrictions", "in", "the", "states", "in", "which", "they", "are", "domiciled", ".", "<tag2>", "Dividend", "payments", "by", "the", "other", "insurance", "subsidiaries", "in", "the", "holding", "company", "system", "are", "subject", "to", "similar", "restrictions", "in", "the", "states", "in", "which", "they", "are", "domiciled", ".", "<tag3>" ]	[ "Dividend", "payments", "by", "the", "insurance", "subsidiaries", "to", "United", "Fire", "are", "subject", "to", "similar", "restrictions", "in", "the", "states", "in", "which", "they", "are", "domiciled", "." ]	[ "Dividend", "payments", "by", "the", "other", "insurance", "subsidiaries", "in", "the", "holding", "company", "system", "are", "subject", "to", "similar", "restrictions", "in", "the", "states", "in", "which", "they", "are", "domiciled", "." ]	[]	[ "holding", "company", "system" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, 0, -100, 0, 0, -100, 0, 0, 1, 1, 1, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p161_s1	101199_11_item7_p153_s7	Furthermore, under Iowa law we may pay dividends only if after giving effect to the payment we are either able to pay our debts as they become due in the normal course of business or our total assets would be equal to or more than the sum of our total liabilities.	Furthermore, under Iowa law United Fire Casualty Company may pay dividends only if after giving effect to the payment either that the company is able to pay our debts as they become due in the normal course of business or our total assets would be equal to or more than the sum of our total liabilities.	2	[ "<tag1>", "Furthermore", ",", "under", "Iowa", "law", "we", "may", "pay", "dividends", "only", "if", "after", "giving", "effect", "to", "the", "payment", "we", "are", "either", "able", "to", "pay", "our", "debts", "as", "they", "become", "due", "in", "the", "normal", "course", "of", "business", "or", "our", "total", "assets", "would", "be", "equal", "to", "or", "more", "than", "the", "sum", "of", "our", "total", "liabilities", ".", "<tag2>", "Furthermore", ",", "under", "Iowa", "law", "United", "Fire", "Casualty", "Company", "may", "pay", "dividends", "only", "if", "after", "giving", "effect", "to", "the", "payment", "either", "that", "the", "company", "is", "able", "to", "pay", "our", "debts", "as", "they", "become", "due", "in", "the", "normal", "course", "of", "business", "or", "our", "total", "assets", "would", "be", "equal", "to", "or", "more", "than", "the", "sum", "of", "our", "total", "liabilities", ".", "<tag3>" ]	[ "Furthermore", ",", "under", "Iowa", "law", "we", "may", "pay", "dividends", "only", "if", "after", "giving", "effect", "to", "the", "payment", "we", "are", "either", "able", "to", "pay", "our", "debts", "as", "they", "become", "due", "in", "the", "normal", "course", "of", "business", "or", "our", "total", "assets", "would", "be", "equal", "to", "or", "more", "than", "the", "sum", "of", "our", "total", "liabilities", "." ]	[ "Furthermore", ",", "under", "Iowa", "law", "United", "Fire", "Casualty", "Company", "may", "pay", "dividends", "only", "if", "after", "giving", "effect", "to", "the", "payment", "either", "that", "the", "company", "is", "able", "to", "pay", "our", "debts", "as", "they", "become", "due", "in", "the", "normal", "course", "of", "business", "or", "our", "total", "assets", "would", "be", "equal", "to", "or", "more", "than", "the", "sum", "of", "our", "total", "liabilities", "." ]	[]	[ "United", "Fire", "Casualty", "Company", "company" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 0, -100, -100, 1, 1, 1, 1, -100, -100, 0, 0, -100, -100, -100, -100, -100, 0, 0, -100, 0, -100, 1, 0, -100, -100, 0, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, 0, -100, -100, -100, -100, -100, 0, -100, -100, -100, 0, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p170_s4	101199_11_item7_p162_s0	based on the assumption that the holders of our annuities and life insurance policies will withdraw their account balances from our company upon the expiration of their contracts.	Additionally, the projected payments are based on the assumption that the holders of our annuities and life insurance policies will withdraw their account balances upon the expiration of their contracts.	2	[ "<tag1>", "based", "on", "the", "assumption", "that", "the", "holders", "of", "our", "annuities", "and", "life", "insurance", "policies", "will", "withdraw", "their", "account", "balances", "from", "our", "company", "upon", "the", "expiration", "of", "their", "contracts", ".", "<tag2>", "Additionally", ",", "the", "projected", "payments", "are", "based", "on", "the", "assumption", "that", "the", "holders", "of", "our", "annuities", "and", "life", "insurance", "policies", "will", "withdraw", "their", "account", "balances", "upon", "the", "expiration", "of", "their", "contracts", ".", "<tag3>" ]	[ "based", "on", "the", "assumption", "that", "the", "holders", "of", "our", "annuities", "and", "life", "insurance", "policies", "will", "withdraw", "their", "account", "balances", "from", "our", "company", "upon", "the", "expiration", "of", "their", "contracts", "." ]	[ "Additionally", ",", "the", "projected", "payments", "are", "based", "on", "the", "assumption", "that", "the", "holders", "of", "our", "annuities", "and", "life", "insurance", "policies", "will", "withdraw", "their", "account", "balances", "upon", "the", "expiration", "of", "their", "contracts", "." ]	[]	[ "Additionally", "projected", "payments" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 0, -100, 1, 1, 0, -100, 0, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, 0, -100, 0, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p183_s4	101199_11_item7_p171_s0	We record mortgage loans at amortized cost and policy loans at the outstanding loan amount due from policyholders.	We record mortgage loans at their unpaid principal balance and policy loans at the outstanding loan amount due from policyholders.	2	[ "<tag1>", "We", "record", "mortgage", "loans", "at", "amortized", "cost", "and", "policy", "loans", "at", "the", "outstanding", "loan", "amount", "due", "from", "policyholders", ".", "<tag2>", "We", "record", "mortgage", "loans", "at", "their", "unpaid", "principal", "balance", "and", "policy", "loans", "at", "the", "outstanding", "loan", "amount", "due", "from", "policyholders", ".", "<tag3>" ]	[ "We", "record", "mortgage", "loans", "at", "amortized", "cost", "and", "policy", "loans", "at", "the", "outstanding", "loan", "amount", "due", "from", "policyholders", "." ]	[ "We", "record", "mortgage", "loans", "at", "their", "unpaid", "principal", "balance", "and", "policy", "loans", "at", "the", "outstanding", "loan", "amount", "due", "from", "policyholders", "." ]	[]	[ "unpaid", "principal", "balance" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 0, -100, 1, 1, 1, 0, -100, 0, 0, -100, 0, 0, -100, 0, 0, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p202_s0	101199_11_item7_p189_s2	The remaining $1.5 million in disposals relates to the receipt of principal on calls or sink fund bonds, in accordance with the indentures.	The reported disposals relate to the receipt of principal on calls or sinking fund bonds, in accordance with the indentures.	2	[ "<tag1>", "The", "remaining", "$", "1.5", "million", "in", "disposals", "relates", "to", "the", "receipt", "of", "principal", "on", "calls", "or", "sink", "fund", "bonds", ",", "in", "accordance", "with", "the", "indentures", ".", "<tag2>", "The", "reported", "disposals", "relate", "to", "the", "receipt", "of", "principal", "on", "calls", "or", "sinking", "fund", "bonds", ",", "in", "accordance", "with", "the", "indentures", ".", "<tag3>" ]	[ "The", "remaining", "$", "1.5", "million", "in", "disposals", "relates", "to", "the", "receipt", "of", "principal", "on", "calls", "or", "sink", "fund", "bonds", ",", "in", "accordance", "with", "the", "indentures", "." ]	[ "The", "reported", "disposals", "relate", "to", "the", "receipt", "of", "principal", "on", "calls", "or", "sinking", "fund", "bonds", ",", "in", "accordance", "with", "the", "indentures", "." ]	[]	[ "reported", "relate", "sinking" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 0, 1, 0, 0, -100, 0, 0, -100, -100, -100, 1, -100, 0, -100, -100, 0, -100, 0, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p103_s1	101199_11_item7_p18_s0	life insurance, which includes deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.	Our principal life insurance products are deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.	2	[ "<tag1>", "life", "insurance", ",", "which", "includes", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", ".", "<tag2>", "Our", "principal", "life", "insurance", "products", "are", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", ".", "<tag3>" ]	[ "life", "insurance", ",", "which", "includes", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", "." ]	[ "Our", "principal", "life", "insurance", "products", "are", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", "." ]	[]	[ "principal" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 0, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p209_s7	101199_11_item7_p194_s7	Our ration ale for not recording OTTI charges on these securities is discussed in Part II, Item 8, Note 2 Summary of Investments.	Our rationale for not recording OTTI charges on these securities is discussed in Part II, Item 8, Note 2 Summary of Investments.	2	[ "<tag1>", "Our", "ration", "ale", "for", "not", "recording", "OTTI", "charges", "on", "these", "securities", "is", "discussed", "in", "Part", "II", ",", "Item", "8", ",", "Note", "2", "Summary", "of", "Investments", ".", "<tag2>", "Our", "rationale", "for", "not", "recording", "OTTI", "charges", "on", "these", "securities", "is", "discussed", "in", "Part", "II", ",", "Item", "8", ",", "Note", "2", "Summary", "of", "Investments", ".", "<tag3>" ]	[ "Our", "ration", "ale", "for", "not", "recording", "OTTI", "charges", "on", "these", "securities", "is", "discussed", "in", "Part", "II", ",", "Item", "8", ",", "Note", "2", "Summary", "of", "Investments", "." ]	[ "Our", "rationale", "for", "not", "recording", "OTTI", "charges", "on", "these", "securities", "is", "discussed", "in", "Part", "II", ",", "Item", "8", ",", "Note", "2", "Summary", "of", "Investments", "." ]	[]	[ "rationale" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p213_s2	101199_11_item7_p198_s1	This is the only assumption we utilize in our calculation.	This is the only assumption process we utilize in our calculation.	2	[ "<tag1>", "This", "is", "the", "only", "assumption", "we", "utilize", "in", "our", "calculation", ".", "<tag2>", "This", "is", "the", "only", "assumption", "process", "we", "utilize", "in", "our", "calculation", ".", "<tag3>" ]	[ "This", "is", "the", "only", "assumption", "we", "utilize", "in", "our", "calculation", "." ]	[ "This", "is", "the", "only", "assumption", "process", "we", "utilize", "in", "our", "calculation", "." ]	[]	[ "process" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, -100, -100, 1, -100, -100, -100, 0, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p216_s0	101199_11_item7_p202_s0	Deferred Policy Acquisition Costs Life Insurance Segment Costs that vary with and relate to the acquisition of life insurance and annuity business are deferred and recorded as a DAC asset.	Deferred Policy Acquisition Costs Life Insurance Segment Costs that vary with and relate to the acquisition of life insurance and annuity business are deferred.	2	[ "<tag1>", "Deferred", "Policy", "Acquisition", "Costs", "Life", "Insurance", "Segment", "Costs", "that", "vary", "with", "and", "relate", "to", "the", "acquisition", "of", "life", "insurance", "and", "annuity", "business", "are", "deferred", "and", "recorded", "as", "a", "DAC", "asset", ".", "<tag2>", "Deferred", "Policy", "Acquisition", "Costs", "Life", "Insurance", "Segment", "Costs", "that", "vary", "with", "and", "relate", "to", "the", "acquisition", "of", "life", "insurance", "and", "annuity", "business", "are", "deferred", ".", "<tag3>" ]	[ "Deferred", "Policy", "Acquisition", "Costs", "Life", "Insurance", "Segment", "Costs", "that", "vary", "with", "and", "relate", "to", "the", "acquisition", "of", "life", "insurance", "and", "annuity", "business", "are", "deferred", "and", "recorded", "as", "a", "DAC", "asset", "." ]	[ "Deferred", "Policy", "Acquisition", "Costs", "Life", "Insurance", "Segment", "Costs", "that", "vary", "with", "and", "relate", "to", "the", "acquisition", "of", "life", "insurance", "and", "annuity", "business", "are", "deferred", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p218_s0	101199_11_item7_p204_s0	The ma jority of the DAC asset relates to our universal life and annuity contracts, hereafter referred to as non-traditional business.	The majority of the DAC asset relates to our universal life and annuity contracts, hereafter referred to as non-traditional business.	2	[ "<tag1>", "The", "ma", "jority", "of", "the", "DAC", "asset", "relates", "to", "our", "universal", "life", "and", "annuity", "contracts", ",", "hereafter", "referred", "to", "as", "non", "-", "traditional", "business", ".", "<tag2>", "The", "majority", "of", "the", "DAC", "asset", "relates", "to", "our", "universal", "life", "and", "annuity", "contracts", ",", "hereafter", "referred", "to", "as", "non", "-", "traditional", "business", ".", "<tag3>" ]	[ "The", "ma", "jority", "of", "the", "DAC", "asset", "relates", "to", "our", "universal", "life", "and", "annuity", "contracts", ",", "hereafter", "referred", "to", "as", "non", "-", "traditional", "business", "." ]	[ "The", "majority", "of", "the", "DAC", "asset", "relates", "to", "our", "universal", "life", "and", "annuity", "contracts", ",", "hereafter", "referred", "to", "as", "non", "-", "traditional", "business", "." ]	[]	[ "majority" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, -100, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p222_s2	101199_11_item7_p208_s2	The entire impact of the changes illustrated would be recogni zed through operations as an increase or decrease to amortization expense.	The entire impact of the changes illustrated would be recognized through operations as an increase or decrease to amortization expense.	2	[ "<tag1>", "The", "entire", "impact", "of", "the", "changes", "illustrated", "would", "be", "recogni", "zed", "through", "operations", "as", "an", "increase", "or", "decrease", "to", "amortization", "expense", ".", "<tag2>", "The", "entire", "impact", "of", "the", "changes", "illustrated", "would", "be", "recognized", "through", "operations", "as", "an", "increase", "or", "decrease", "to", "amortization", "expense", ".", "<tag3>" ]	[ "The", "entire", "impact", "of", "the", "changes", "illustrated", "would", "be", "recogni", "zed", "through", "operations", "as", "an", "increase", "or", "decrease", "to", "amortization", "expense", "." ]	[ "The", "entire", "impact", "of", "the", "changes", "illustrated", "would", "be", "recognized", "through", "operations", "as", "an", "increase", "or", "decrease", "to", "amortization", "expense", "." ]	[]	[ "recognized" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, 0, -100, -100, -100, -100, -100, 1, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p229_s0	101199_11_item7_p213_s0	Most of our insurance policies are writ ten on an occurrence basis that provides coverage if a loss occurs in the policy period, even if the insured reports the loss many years later.	Most of our insurance policies are written on an occurrence basis that provides coverage if a loss occurs in the policy period, even if the insured reports the loss many years later.	2	[ "<tag1>", "Most", "of", "our", "insurance", "policies", "are", "writ", "ten", "on", "an", "occurrence", "basis", "that", "provides", "coverage", "if", "a", "loss", "occurs", "in", "the", "policy", "period", ",", "even", "if", "the", "insured", "reports", "the", "loss", "many", "years", "later", ".", "<tag2>", "Most", "of", "our", "insurance", "policies", "are", "written", "on", "an", "occurrence", "basis", "that", "provides", "coverage", "if", "a", "loss", "occurs", "in", "the", "policy", "period", ",", "even", "if", "the", "insured", "reports", "the", "loss", "many", "years", "later", ".", "<tag3>" ]	[ "Most", "of", "our", "insurance", "policies", "are", "writ", "ten", "on", "an", "occurrence", "basis", "that", "provides", "coverage", "if", "a", "loss", "occurs", "in", "the", "policy", "period", ",", "even", "if", "the", "insured", "reports", "the", "loss", "many", "years", "later", "." ]	[ "Most", "of", "our", "insurance", "policies", "are", "written", "on", "an", "occurrence", "basis", "that", "provides", "coverage", "if", "a", "loss", "occurs", "in", "the", "policy", "period", ",", "even", "if", "the", "insured", "reports", "the", "loss", "many", "years", "later", "." ]	[]	[ "written" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, 1, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p233_s2	101199_11_item7_p216_s1	A short-tail insurance product is one where ultimate losses are known and settled comparatively quickly; ultimate losses under a long-tail insurance product are sometimes not known and settled for many years.	Ultimate losses under a long-tail insurance product are sometimes not known and settled for many years.	2	[ "<tag1>", "A", "short", "-", "tail", "insurance", "product", "is", "one", "where", "ultimate", "losses", "are", "known", "and", "settled", "comparatively", "quickly", ";", "ultimate", "losses", "under", "a", "long", "-", "tail", "insurance", "product", "are", "sometimes", "not", "known", "and", "settled", "for", "many", "years", ".", "<tag2>", "Ultimate", "losses", "under", "a", "long", "-", "tail", "insurance", "product", "are", "sometimes", "not", "known", "and", "settled", "for", "many", "years", ".", "<tag3>" ]	[ "A", "short", "-", "tail", "insurance", "product", "is", "one", "where", "ultimate", "losses", "are", "known", "and", "settled", "comparatively", "quickly", ";", "ultimate", "losses", "under", "a", "long", "-", "tail", "insurance", "product", "are", "sometimes", "not", "known", "and", "settled", "for", "many", "years", "." ]	[ "Ultimate", "losses", "under", "a", "long", "-", "tail", "insurance", "product", "are", "sometimes", "not", "known", "and", "settled", "for", "many", "years", "." ]	[]	[ "Ultimate" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, -100, -100, 0, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p236_s3	101199_11_item7_p218_s7	Examples of facts that become known that could cause us to change our case-based rese rves include, but are not limited to: evidence that loss severity is different than previously assessed; new claimants who have presented claims; and the assessment that no coverage exists.	Examples of facts that become known that could cause us to change our case-based reserves include, but are not limited to: evidence that loss severity is different than previously assessed; new claimants who have presented claims; and the assessment that no coverage exists.	2	[ "<tag1>", "Examples", "of", "facts", "that", "become", "known", "that", "could", "cause", "us", "to", "change", "our", "case", "-", "based", "rese", "rves", "include", ",", "but", "are", "not", "limited", "to", ":", "evidence", "that", "loss", "severity", "is", "different", "than", "previously", "assessed", ";", "new", "claimants", "who", "have", "presented", "claims", ";", "and", "the", "assessment", "that", "no", "coverage", "exists", ".", "<tag2>", "Examples", "of", "facts", "that", "become", "known", "that", "could", "cause", "us", "to", "change", "our", "case", "-", "based", "reserves", "include", ",", "but", "are", "not", "limited", "to", ":", "evidence", "that", "loss", "severity", "is", "different", "than", "previously", "assessed", ";", "new", "claimants", "who", "have", "presented", "claims", ";", "and", "the", "assessment", "that", "no", "coverage", "exists", ".", "<tag3>" ]	[ "Examples", "of", "facts", "that", "become", "known", "that", "could", "cause", "us", "to", "change", "our", "case", "-", "based", "rese", "rves", "include", ",", "but", "are", "not", "limited", "to", ":", "evidence", "that", "loss", "severity", "is", "different", "than", "previously", "assessed", ";", "new", "claimants", "who", "have", "presented", "claims", ";", "and", "the", "assessment", "that", "no", "coverage", "exists", "." ]	[ "Examples", "of", "facts", "that", "become", "known", "that", "could", "cause", "us", "to", "change", "our", "case", "-", "based", "reserves", "include", ",", "but", "are", "not", "limited", "to", ":", "evidence", "that", "loss", "severity", "is", "different", "than", "previously", "assessed", ";", "new", "claimants", "who", "have", "presented", "claims", ";", "and", "the", "assessment", "that", "no", "coverage", "exists", "." ]	[]	[ "reserves" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p238_s4	101199_11_item7_p220_s1	This is because claims are generally reported and settled shortly after the loss occurs.	As these claims are generally reported and settled shortly after the loss occurs.	2	[ "<tag1>", "This", "is", "because", "claims", "are", "generally", "reported", "and", "settled", "shortly", "after", "the", "loss", "occurs", ".", "<tag2>", "As", "these", "claims", "are", "generally", "reported", "and", "settled", "shortly", "after", "the", "loss", "occurs", ".", "<tag3>" ]	[ "This", "is", "because", "claims", "are", "generally", "reported", "and", "settled", "shortly", "after", "the", "loss", "occurs", "." ]	[ "As", "these", "claims", "are", "generally", "reported", "and", "settled", "shortly", "after", "the", "loss", "occurs", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p241_s0	101199_11_item7_p224_s0	The company s historical ratio of loss settlement expenses ( LAE ) paid to losses paid is consistent and will continue to be consistent.	The Company s historical ratio of loss settlement expenses paid to losses paid is consistent and will continue to be consistent.	2	[ "<tag1>", "The", "company", "s", "historical", "ratio", "of", "loss", "settlement", "expenses", "(", "LAE", ")", "paid", "to", "losses", "paid", "is", "consistent", "and", "will", "continue", "to", "be", "consistent", ".", "<tag2>", "The", "Company", "s", "historical", "ratio", "of", "loss", "settlement", "expenses", "paid", "to", "losses", "paid", "is", "consistent", "and", "will", "continue", "to", "be", "consistent", ".", "<tag3>" ]	[ "The", "company", "s", "historical", "ratio", "of", "loss", "settlement", "expenses", "(", "LAE", ")", "paid", "to", "losses", "paid", "is", "consistent", "and", "will", "continue", "to", "be", "consistent", "." ]	[ "The", "Company", "s", "historical", "ratio", "of", "loss", "settlement", "expenses", "paid", "to", "losses", "paid", "is", "consistent", "and", "will", "continue", "to", "be", "consistent", "." ]	[]	[ "Company" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p243_s0	101199_11_item7_p225_s2	If necessary, management makes changes not only in the estimates derived from the use of these assumptions, but also in the assumptions themselves.	in the estimates derived from the use of these assumptions, but also in the assumptions themselves.	2	[ "<tag1>", "If", "necessary", ",", "management", "makes", "changes", "not", "only", "in", "the", "estimates", "derived", "from", "the", "use", "of", "these", "assumptions", ",", "but", "also", "in", "the", "assumptions", "themselves", ".", "<tag2>", "in", "the", "estimates", "derived", "from", "the", "use", "of", "these", "assumptions", ",", "but", "also", "in", "the", "assumptions", "themselves", ".", "<tag3>" ]	[ "If", "necessary", ",", "management", "makes", "changes", "not", "only", "in", "the", "estimates", "derived", "from", "the", "use", "of", "these", "assumptions", ",", "but", "also", "in", "the", "assumptions", "themselves", "." ]	[ "in", "the", "estimates", "derived", "from", "the", "use", "of", "these", "assumptions", ",", "but", "also", "in", "the", "assumptions", "themselves", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p248_s0	101199_11_item7_p230_s0	expenses covered by liability policies and can be significant, sometimes greater than the cost of the actual paid claims.	Defense costs are also a part of the insured expenses covered by liability policies and can be significant, sometimes greater than the cost of the actual paid claims.	2	[ "<tag1>", "expenses", "covered", "by", "liability", "policies", "and", "can", "be", "significant", ",", "sometimes", "greater", "than", "the", "cost", "of", "the", "actual", "paid", "claims", ".", "<tag2>", "Defense", "costs", "are", "also", "a", "part", "of", "the", "insured", "expenses", "covered", "by", "liability", "policies", "and", "can", "be", "significant", ",", "sometimes", "greater", "than", "the", "cost", "of", "the", "actual", "paid", "claims", ".", "<tag3>" ]	[ "expenses", "covered", "by", "liability", "policies", "and", "can", "be", "significant", ",", "sometimes", "greater", "than", "the", "cost", "of", "the", "actual", "paid", "claims", "." ]	[ "Defense", "costs", "are", "also", "a", "part", "of", "the", "insured", "expenses", "covered", "by", "liability", "policies", "and", "can", "be", "significant", ",", "sometimes", "greater", "than", "the", "cost", "of", "the", "actual", "paid", "claims", "." ]	[]	[ "Defense", "costs", "also", "part", "insured" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 1, -100, 1, 0, 1, -100, 0, 1, 0, 0, -100, 0, 0, -100, 0, 0, 0, -100, 0, -100, -100, -100, 0, 0, 0, -100, 0, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p84_s0	101199_11_item7_p230_s0	expenses covered by liability policies and can be significant, sometimes greater than the cost of the actual paid claims.	Defense costs are also a part of the insured expenses covered by liability policies and can be significant, sometimes greater than the cost of the actual paid claims.	2	[ "<tag1>", "expenses", "covered", "by", "liability", "policies", "and", "can", "be", "significant", ",", "sometimes", "greater", "than", "the", "cost", "of", "the", "actual", "paid", "claims", ".", "<tag2>", "Defense", "costs", "are", "also", "a", "part", "of", "the", "insured", "expenses", "covered", "by", "liability", "policies", "and", "can", "be", "significant", ",", "sometimes", "greater", "than", "the", "cost", "of", "the", "actual", "paid", "claims", ".", "<tag3>" ]	[ "expenses", "covered", "by", "liability", "policies", "and", "can", "be", "significant", ",", "sometimes", "greater", "than", "the", "cost", "of", "the", "actual", "paid", "claims", "." ]	[ "Defense", "costs", "are", "also", "a", "part", "of", "the", "insured", "expenses", "covered", "by", "liability", "policies", "and", "can", "be", "significant", ",", "sometimes", "greater", "than", "the", "cost", "of", "the", "actual", "paid", "claims", "." ]	[]	[ "Defense", "costs", "also", "part", "insured" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 1, 0, 1, -100, 1, 0, 0, 1, -100, -100, 0, -100, 0, 0, 0, 0, -100, 0, 0, -100, -100, 0, 0, -100, 0, 0, 0, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p83_s0	101199_11_item7_p234_s0	Construction defect is a liability allegation relating to defective work performed in the construction of structures such as commercial buildings, apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.	Construction defect claims generally relate to allegedly defective work performed in the construction of structures such as apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.	2	[ "<tag1>", "Construction", "defect", "is", "a", "liability", "allegation", "relating", "to", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "commercial", "buildings", ",", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", ".", "<tag2>", "Construction", "defect", "claims", "generally", "relate", "to", "allegedly", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", ".", "<tag3>" ]	[ "Construction", "defect", "is", "a", "liability", "allegation", "relating", "to", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "commercial", "buildings", ",", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", "." ]	[ "Construction", "defect", "claims", "generally", "relate", "to", "allegedly", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", "." ]	[]	[ "claims", "generally", "relate", "allegedly" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 1, 1, 1, -100, 1, 0, -100, -100, 0, -100, -100, 0, 0, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, 0, 0, -100, -100, -100, 0, -100, -100, 0, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p251_s8	101199_11_item7_p234_s6	Claims have also emerged from parties claiming additional insured status on p olicies issued to other parties, such as contractors seeking coverage from a subcontractor s policy.	Claims have also emerged from parties claiming additional insured status on policies issued to other parties, such as contractors seeking coverage from a subcontractor s policy.	2	[ "<tag1>", "Claims", "have", "also", "emerged", "from", "parties", "claiming", "additional", "insured", "status", "on", "p", "olicies", "issued", "to", "other", "parties", ",", "such", "as", "contractors", "seeking", "coverage", "from", "a", "subcontractor", "s", "policy", ".", "<tag2>", "Claims", "have", "also", "emerged", "from", "parties", "claiming", "additional", "insured", "status", "on", "policies", "issued", "to", "other", "parties", ",", "such", "as", "contractors", "seeking", "coverage", "from", "a", "subcontractor", "s", "policy", ".", "<tag3>" ]	[ "Claims", "have", "also", "emerged", "from", "parties", "claiming", "additional", "insured", "status", "on", "p", "olicies", "issued", "to", "other", "parties", ",", "such", "as", "contractors", "seeking", "coverage", "from", "a", "subcontractor", "s", "policy", "." ]	[ "Claims", "have", "also", "emerged", "from", "parties", "claiming", "additional", "insured", "status", "on", "policies", "issued", "to", "other", "parties", ",", "such", "as", "contractors", "seeking", "coverage", "from", "a", "subcontractor", "s", "policy", "." ]	[]	[ "policies" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 1, -100, -100, -100, -100, -100, 0, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p252_s0	101199_11_item7_p235_s0	In recent years, we have implemented various underwriting measures that we anticipate will mitigate the amount of construction defect losses experienced.	that we anticipate will mitigate the amount of construction defect losses experienced.	2	[ "<tag1>", "In", "recent", "years", ",", "we", "have", "implemented", "various", "underwriting", "measures", "that", "we", "anticipate", "will", "mitigate", "the", "amount", "of", "construction", "defect", "losses", "experienced", ".", "<tag2>", "that", "we", "anticipate", "will", "mitigate", "the", "amount", "of", "construction", "defect", "losses", "experienced", ".", "<tag3>" ]	[ "In", "recent", "years", ",", "we", "have", "implemented", "various", "underwriting", "measures", "that", "we", "anticipate", "will", "mitigate", "the", "amount", "of", "construction", "defect", "losses", "experienced", "." ]	[ "that", "we", "anticipate", "will", "mitigate", "the", "amount", "of", "construction", "defect", "losses", "experienced", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p256_s3	101199_11_item7_p239_s2	Favorable development is recognized and reported in the Consolidated Financial Statements when we decrease our previous estimate of ultimate losses and loss settlement expenses, which results in an increase to net income in the period recognized.	Adverse development is recognized and reported in the Consolidated Financial Statements when we increase our previous estimate of ultimate losses and loss settlement expenses, which results in a decrease to net income.	2	[ "<tag1>", "Favorable", "development", "is", "recognized", "and", "reported", "in", "the", "Consolidated", "Financial", "Statements", "when", "we", "decrease", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "an", "increase", "to", "net", "income", "in", "the", "period", "recognized", ".", "<tag2>", "Adverse", "development", "is", "recognized", "and", "reported", "in", "the", "Consolidated", "Financial", "Statements", "when", "we", "increase", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "a", "decrease", "to", "net", "income", ".", "<tag3>" ]	[ "Favorable", "development", "is", "recognized", "and", "reported", "in", "the", "Consolidated", "Financial", "Statements", "when", "we", "decrease", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "an", "increase", "to", "net", "income", "in", "the", "period", "recognized", "." ]	[ "Adverse", "development", "is", "recognized", "and", "reported", "in", "the", "Consolidated", "Financial", "Statements", "when", "we", "increase", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "a", "decrease", "to", "net", "income", "." ]	[]	[ "Adverse" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p256_s2	101199_11_item7_p239_s3	Adverse development is rec ognized and reported in the Consolidated Financial Statements when we increase our previous estimate of ultimate losses and loss settlement expenses, which results in a decrease to net income.	Favorable development is recognized and reported in the Consolidated Financial Statements when we decrease our previous estimate of ultimate losses and loss settlement expenses, which results in an increase to net income in the period recognized.	2	[ "<tag1>", "Adverse", "development", "is", "rec", "ognized", "and", "reported", "in", "the", "Consolidated", "Financial", "Statements", "when", "we", "increase", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "a", "decrease", "to", "net", "income", ".", "<tag2>", "Favorable", "development", "is", "recognized", "and", "reported", "in", "the", "Consolidated", "Financial", "Statements", "when", "we", "decrease", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "an", "increase", "to", "net", "income", "in", "the", "period", "recognized", ".", "<tag3>" ]	[ "Adverse", "development", "is", "rec", "ognized", "and", "reported", "in", "the", "Consolidated", "Financial", "Statements", "when", "we", "increase", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "a", "decrease", "to", "net", "income", "." ]	[ "Favorable", "development", "is", "recognized", "and", "reported", "in", "the", "Consolidated", "Financial", "Statements", "when", "we", "decrease", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "an", "increase", "to", "net", "income", "in", "the", "period", "recognized", "." ]	[]	[ "Favorable", "recognized", "period", "recognized" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 0, 0, 1, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, 0, 0, 0, 1, 1, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p265_s0	101199_11_item7_p247_s4	These deficiencies are discussed in detail under the heading Reserve Development in the Property and Casualty Insurance Segment of the Results of Operations section in this item.	Reserve development is discussed in detail under the heading Reserve Development in the Property and Casualty Insurance Segment of the Results of Operations section in this item.	2	[ "<tag1>", "These", "deficiencies", "are", "discussed", "in", "detail", "under", "the", "heading", "Reserve", "Development", "in", "the", "Property", "and", "Casualty", "Insurance", "Segment", "of", "the", "Results", "of", "Operations", "section", "in", "this", "item", ".", "<tag2>", "Reserve", "development", "is", "discussed", "in", "detail", "under", "the", "heading", "Reserve", "Development", "in", "the", "Property", "and", "Casualty", "Insurance", "Segment", "of", "the", "Results", "of", "Operations", "section", "in", "this", "item", ".", "<tag3>" ]	[ "These", "deficiencies", "are", "discussed", "in", "detail", "under", "the", "heading", "Reserve", "Development", "in", "the", "Property", "and", "Casualty", "Insurance", "Segment", "of", "the", "Results", "of", "Operations", "section", "in", "this", "item", "." ]	[ "Reserve", "development", "is", "discussed", "in", "detail", "under", "the", "heading", "Reserve", "Development", "in", "the", "Property", "and", "Casualty", "Insurance", "Segment", "of", "the", "Results", "of", "Operations", "section", "in", "this", "item", "." ]	[]	[ "development" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p269_s0	101199_11_item7_p252_s0	IBNR and loss settlement expense reserves are established through various form ulae that utilize pertinent, recent company historical data.	IBNR and loss settlement expense reserves are established through various formulae that utilize pertinent, recent Company historical data.	2	[ "<tag1>", "IBNR", "and", "loss", "settlement", "expense", "reserves", "are", "established", "through", "various", "form", "ulae", "that", "utilize", "pertinent", ",", "recent", "company", "historical", "data", ".", "<tag2>", "IBNR", "and", "loss", "settlement", "expense", "reserves", "are", "established", "through", "various", "formulae", "that", "utilize", "pertinent", ",", "recent", "Company", "historical", "data", ".", "<tag3>" ]	[ "IBNR", "and", "loss", "settlement", "expense", "reserves", "are", "established", "through", "various", "form", "ulae", "that", "utilize", "pertinent", ",", "recent", "company", "historical", "data", "." ]	[ "IBNR", "and", "loss", "settlement", "expense", "reserves", "are", "established", "through", "various", "formulae", "that", "utilize", "pertinent", ",", "recent", "Company", "historical", "data", "." ]	[]	[ "formulae", "Company" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, -100, 0, 0, 0, -100, 0, 0, 1, -100, -100, -100, -100, -100, 1, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p276_s5	101199_11_item7_p259_s5	Mortality, mo rbidity and policy lapse assumptions are based on our experience.	Mortality, morbidity and policy lapse assumptions are based on our experience.	2	[ "<tag1>", "Mortality", ",", "mo", "rbidity", "and", "policy", "lapse", "assumptions", "are", "based", "on", "our", "experience", ".", "<tag2>", "Mortality", ",", "morbidity", "and", "policy", "lapse", "assumptions", "are", "based", "on", "our", "experience", ".", "<tag3>" ]	[ "Mortality", ",", "mo", "rbidity", "and", "policy", "lapse", "assumptions", "are", "based", "on", "our", "experience", "." ]	[ "Mortality", ",", "morbidity", "and", "policy", "lapse", "assumptions", "are", "based", "on", "our", "experience", "." ]	[]	[ "morbidity" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 1, -100, -100, 0, -100, -100, 0, 0, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p282_s2	101199_11_item7_p261_s0	The effects of changes in reserve estimates are reported in the results of operations in the period in which the changes are determined.	The effects of changes in our estimated reserves are included in the results of operations in the period in which the changes occur.	2	[ "<tag1>", "The", "effects", "of", "changes", "in", "reserve", "estimates", "are", "reported", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "are", "determined", ".", "<tag2>", "The", "effects", "of", "changes", "in", "our", "estimated", "reserves", "are", "included", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "occur", ".", "<tag3>" ]	[ "The", "effects", "of", "changes", "in", "reserve", "estimates", "are", "reported", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "are", "determined", "." ]	[ "The", "effects", "of", "changes", "in", "our", "estimated", "reserves", "are", "included", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "occur", "." ]	[]	[ "estimated", "reserves", "included", "occur" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, 0, 0, 0, -100, 1, 1, 0, 1, -100, -100, 0, -100, 0, 0, -100, 0, 0, -100, -100, 0, 1, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p279_s0	101199_11_item7_p264_s2	The effects of changes in our estimated reserves are included in the results of operations in the period in which the changes occur.	The effects of changes in reserve estimates are reported in the results of operations in the period in which the changes are determined.	2	[ "<tag1>", "The", "effects", "of", "changes", "in", "our", "estimated", "reserves", "are", "included", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "occur", ".", "<tag2>", "The", "effects", "of", "changes", "in", "reserve", "estimates", "are", "reported", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "are", "determined", ".", "<tag3>" ]	[ "The", "effects", "of", "changes", "in", "our", "estimated", "reserves", "are", "included", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "occur", "." ]	[ "The", "effects", "of", "changes", "in", "reserve", "estimates", "are", "reported", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "are", "determined", "." ]	[]	[ "reserve", "estimates", "reported", "determined" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, 0, 0, -100, 1, 1, -100, 1, -100, -100, 0, 0, 0, -100, 0, 0, 0, 0, -100, 0, 0, 1, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p286_s3	101199_11_item7_p268_s2	Assumption Determination Methodology Potential One-Time Effect on DAC Asset, Net of Unearned Revenue Liabilities Mortality Experience Based on our mortality experience with consideration given to industry experience and trends A 10.0% increase in expected mortality experience for all future years would result in a reduction in DAC and an increase in current period amortization expense of $3.1 million.	Surrender Rates Based on our policy surrender experience with consideration given to industry experience and trends A 10.0% increase in expected surrender rates for all future years would result in a reduction in DAC and an increase in current period amortization expense of $2.2 million.	2	[ "<tag1>", "Assumption", "Determination", "Methodology", "Potential", "One", "-", "Time", "Effect", "on", "DAC", "Asset", ",", "Net", "of", "Unearned", "Revenue", "Liabilities", "Mortality", "Experience", "Based", "on", "our", "mortality", "experience", "with", "consideration", "given", "to", "industry", "experience", "and", "trends", "A", "10.0", "%", "increase", "in", "expected", "mortality", "experience", "for", "all", "future", "years", "would", "result", "in", "a", "reduction", "in", "DAC", "and", "an", "increase", "in", "current", "period", "amortization", "expense", "of", "$", "3.1", "million", ".", "<tag2>", "Surrender", "Rates", "Based", "on", "our", "policy", "surrender", "experience", "with", "consideration", "given", "to", "industry", "experience", "and", "trends", "A", "10.0", "%", "increase", "in", "expected", "surrender", "rates", "for", "all", "future", "years", "would", "result", "in", "a", "reduction", "in", "DAC", "and", "an", "increase", "in", "current", "period", "amortization", "expense", "of", "$", "2.2", "million", ".", "<tag3>" ]	[ "Assumption", "Determination", "Methodology", "Potential", "One", "-", "Time", "Effect", "on", "DAC", "Asset", ",", "Net", "of", "Unearned", "Revenue", "Liabilities", "Mortality", "Experience", "Based", "on", "our", "mortality", "experience", "with", "consideration", "given", "to", "industry", "experience", "and", "trends", "A", "10.0", "%", "increase", "in", "expected", "mortality", "experience", "for", "all", "future", "years", "would", "result", "in", "a", "reduction", "in", "DAC", "and", "an", "increase", "in", "current", "period", "amortization", "expense", "of", "$", "3.1", "million", "." ]	[ "Surrender", "Rates", "Based", "on", "our", "policy", "surrender", "experience", "with", "consideration", "given", "to", "industry", "experience", "and", "trends", "A", "10.0", "%", "increase", "in", "expected", "surrender", "rates", "for", "all", "future", "years", "would", "result", "in", "a", "reduction", "in", "DAC", "and", "an", "increase", "in", "current", "period", "amortization", "expense", "of", "$", "2.2", "million", "." ]	[]	[ "Surrender", "Rates", "policy", "surrender", "surrender", "rates", "2.2" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 1, 0, 0, 0, 1, 1, -100, 0, -100, 0, -100, 0, -100, 0, 0, -100, 0, 0, -100, 0, 0, 1, 1, 0, 0, 0, 0, -100, -100, 0, 0, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, 1, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p33_s1	101199_11_item7_p280_s0	When prepared in accordance with GAAP, the net loss ratio is calculated by dividing the sum of losses and loss settlement expenses by net premiums earned.	When prepared in accordance with statutory accounting principles, the net loss ratio is calculated by dividing the sum of losses and loss settlement expenses by net premiums earned; the expense ratio is calculated by dividing underwriting expenses by net premiums written.	2	[ "<tag1>", "When", "prepared", "in", "accordance", "with", "GAAP", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", ".", "<tag2>", "When", "prepared", "in", "accordance", "with", "statutory", "accounting", "principles", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", ";", "the", "expense", "ratio", "is", "calculated", "by", "dividing", "underwriting", "expenses", "by", "net", "premiums", "written", ".", "<tag3>" ]	[ "When", "prepared", "in", "accordance", "with", "GAAP", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", "." ]	[ "When", "prepared", "in", "accordance", "with", "statutory", "accounting", "principles", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", ";", "the", "expense", "ratio", "is", "calculated", "by", "dividing", "underwriting", "expenses", "by", "net", "premiums", "written", "." ]	[]	[ "statutory", "accounting", "principles", "expense", "underwriting", "written" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 0, 1, 1, 1, -100, 0, -100, -100, -100, 0, -100, 0, -100, 0, 0, -100, 0, 0, -100, 0, -100, 0, -100, 0, -100, 0, 0, 1, 0, -100, -100, -100, -100, 1, 0, 0, -100, 0, 1, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p35_s0	101199_11_item7_p281_s2	According to the ISO, a catastrophe loss is defined as a single unpredictable incident or series of closely related incidents that result in $25.0 million or more in industry-wide direct insured losses to property and that affect a significant number of insureds and insurers ( ISO catastrophe ).	unpredictable incident or series of closely related incidents that result in $25.0 million or more in U.S. industry-wide direct insured losses to property and that affect a significant number of insureds and insurers ( ISO catastrophe ).	2	[ "<tag1>", "According", "to", "the", "ISO", ",", "a", "catastrophe", "loss", "is", "defined", "as", "a", "single", "unpredictable", "incident", "or", "series", "of", "closely", "related", "incidents", "that", "result", "in", "$", "25.0", "million", "or", "more", "in", "industry", "-", "wide", "direct", "insured", "losses", "to", "property", "and", "that", "affect", "a", "significant", "number", "of", "insureds", "and", "insurers", "(", "ISO", "catastrophe", ")", ".", "<tag2>", "unpredictable", "incident", "or", "series", "of", "closely", "related", "incidents", "that", "result", "in", "$", "25.0", "million", "or", "more", "in", "U.S.", "industry", "-", "wide", "direct", "insured", "losses", "to", "property", "and", "that", "affect", "a", "significant", "number", "of", "insureds", "and", "insurers", "(", "ISO", "catastrophe", ")", ".", "<tag3>" ]	[ "According", "to", "the", "ISO", ",", "a", "catastrophe", "loss", "is", "defined", "as", "a", "single", "unpredictable", "incident", "or", "series", "of", "closely", "related", "incidents", "that", "result", "in", "$", "25.0", "million", "or", "more", "in", "industry", "-", "wide", "direct", "insured", "losses", "to", "property", "and", "that", "affect", "a", "significant", "number", "of", "insureds", "and", "insurers", "(", "ISO", "catastrophe", ")", "." ]	[ "unpredictable", "incident", "or", "series", "of", "closely", "related", "incidents", "that", "result", "in", "$", "25.0", "million", "or", "more", "in", "U.S.", "industry", "-", "wide", "direct", "insured", "losses", "to", "property", "and", "that", "affect", "a", "significant", "number", "of", "insureds", "and", "insurers", "(", "ISO", "catastrophe", ")", "." ]	[]	[ "U.S." ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p102_s0	101199_11_item7_p34_s0	NM = not meaningful (1) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	(1) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	2	[ "<tag1>", "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]	[ "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[ "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[]	[ "Measurement", "Results" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, 0, 1, -100, 1, -100, 0, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p45_s1	101199_11_item7_p34_s0	NM = not meaningful (1) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	(2) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	2	[ "<tag1>", "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "(", "2", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]	[ "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[ "(", "2", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[]	[ "Measurement", "Results" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, 0, 1, -100, 1, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, 0, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p49_s0	101199_11_item7_p34_s0	NM = not meaningful (1) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	(1) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	2	[ "<tag1>", "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]	[ "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[ "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[]	[ "Measurement", "Results" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, -100, 1, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, 0, -100, -100, 0, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p102_s0	101199_11_item7_p35_s1	(2) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	(1) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	2	[ "<tag1>", "(", "2", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]	[ "(", "2", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[ "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[]	[ "Measurement", "Results" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 1, -100, 1, -100, -100, -100, 0, -100, 0, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p44_s0	101199_11_item7_p35_s1	(2) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	NM = not meaningful (1) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	2	[ "<tag1>", "(", "2", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]	[ "(", "2", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[ "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[]	[ "NM", "meaningful", "Measurement", "Results" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 0, 0, 1, -100, -100, 0, -100, 1, -100, 1, -100, -100, -100, 0, 0, -100, 0, -100, -100, -100, 0, -100, -100, -100, 0, -100, 0, 0, -100, -100, -100, -100, 0, 0, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p45_s1	101199_11_item7_p35_s1	(2) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	(2) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	2	[ "<tag1>", "(", "2", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "(", "2", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]	[ "(", "2", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[ "(", "2", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[]	[ "Measurement", "Results" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 1, -100, 1, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, 0, -100, 0, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p49_s0	101199_11_item7_p35_s1	(2) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	(1) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	2	[ "<tag1>", "(", "2", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]	[ "(", "2", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[ "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[]	[ "Measurement", "Results" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, -100, 1, -100, 1, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p46_s2	101199_11_item7_p37_s1	Additionally, our loss and loss settlement expenses decreased by 20.9 percent or $76.3 million from 2009 due in large part to our prior year s claim experience.	In 2010, our loss and loss settlement expenses decreased by 20.9 percent or $76.3 million from 2009 due in large part to the adverse reserve development experienced in 2009.	2	[ "<tag1>", "Additionally", ",", "our", "loss", "and", "loss", "settlement", "expenses", "decreased", "by", "20.9", "percent", "or", "$", "76.3", "million", "from", "2009", "due", "in", "large", "part", "to", "our", "prior", "year", "s", "claim", "experience", ".", "<tag2>", "In", "2010", ",", "our", "loss", "and", "loss", "settlement", "expenses", "decreased", "by", "20.9", "percent", "or", "$", "76.3", "million", "from", "2009", "due", "in", "large", "part", "to", "the", "adverse", "reserve", "development", "experienced", "in", "2009", ".", "<tag3>" ]	[ "Additionally", ",", "our", "loss", "and", "loss", "settlement", "expenses", "decreased", "by", "20.9", "percent", "or", "$", "76.3", "million", "from", "2009", "due", "in", "large", "part", "to", "our", "prior", "year", "s", "claim", "experience", "." ]	[ "In", "2010", ",", "our", "loss", "and", "loss", "settlement", "expenses", "decreased", "by", "20.9", "percent", "or", "$", "76.3", "million", "from", "2009", "due", "in", "large", "part", "to", "the", "adverse", "reserve", "development", "experienced", "in", "2009", "." ]	[]	[ "2010", "adverse", "reserve", "development", "experienced" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 1, 0, -100, 0, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, 0, 0, 0, 0, 0, 0, 0, -100, 0, -100, 1, 1, 1, 1, 0, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p47_s1	101199_11_item7_p38_s1	Additionally, in 2009, we incurred OTTI ch arges of $9.8 million and $38.0 million in adverse development from Hurricane Katrina, which impacted our pre-tax earnings.	Additionally, in 2009, we incurred OTTI charges of $9.8 million and $38.0 million in adverse development from Hurricane Katrina, which impacted our pre-tax earnings.	2	[ "<tag1>", "Additionally", ",", "in", "2009", ",", "we", "incurred", "OTTI", "ch", "arges", "of", "$", "9.8", "million", "and", "$", "38.0", "million", "in", "adverse", "development", "from", "Hurricane", "Katrina", ",", "which", "impacted", "our", "pre", "-", "tax", "earnings", ".", "<tag2>", "Additionally", ",", "in", "2009", ",", "we", "incurred", "OTTI", "charges", "of", "$", "9.8", "million", "and", "$", "38.0", "million", "in", "adverse", "development", "from", "Hurricane", "Katrina", ",", "which", "impacted", "our", "pre", "-", "tax", "earnings", ".", "<tag3>" ]	[ "Additionally", ",", "in", "2009", ",", "we", "incurred", "OTTI", "ch", "arges", "of", "$", "9.8", "million", "and", "$", "38.0", "million", "in", "adverse", "development", "from", "Hurricane", "Katrina", ",", "which", "impacted", "our", "pre", "-", "tax", "earnings", "." ]	[ "Additionally", ",", "in", "2009", ",", "we", "incurred", "OTTI", "charges", "of", "$", "9.8", "million", "and", "$", "38.0", "million", "in", "adverse", "development", "from", "Hurricane", "Katrina", ",", "which", "impacted", "our", "pre", "-", "tax", "earnings", "." ]	[]	[ "charges" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, -100, -100, -100, -100, -100, 1, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p44_s0	101199_11_item7_p40_s0	(1) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	NM = not meaningful (1) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	2	[ "<tag1>", "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]	[ "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[ "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[]	[ "NM", "meaningful", "Measurement", "Results" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, 0, 1, 0, -100, -100, -100, 1, 0, 1, 0, -100, 0, -100, 0, -100, 0, -100, 0, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, 0, -100, -100, 0, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p45_s1	101199_11_item7_p40_s0	(1) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	(2) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	2	[ "<tag1>", "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "(", "2", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]	[ "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[ "(", "2", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[]	[ "Measurement", "Results" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, -100, -100, 1, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p55_s8	101199_11_item7_p46_s3	Our cata strophe reinsurance program pricing decreased approximately 8.0 percent because of the soft market conditions and because we had no losses to the program during 2010 .	Our catastrophe reinsurance program pricing decreased approximately 8.0 percent because of the soft market conditions and because we had no losses to the program during 2010.	2	[ "<tag1>", "Our", "cata", "strophe", "reinsurance", "program", "pricing", "decreased", "approximately", "8.0", "percent", "because", "of", "the", "soft", "market", "conditions", "and", "because", "we", "had", "no", "losses", "to", "the", "program", "during", "2010", ".", "<tag2>", "Our", "catastrophe", "reinsurance", "program", "pricing", "decreased", "approximately", "8.0", "percent", "because", "of", "the", "soft", "market", "conditions", "and", "because", "we", "had", "no", "losses", "to", "the", "program", "during", "2010", ".", "<tag3>" ]	[ "Our", "cata", "strophe", "reinsurance", "program", "pricing", "decreased", "approximately", "8.0", "percent", "because", "of", "the", "soft", "market", "conditions", "and", "because", "we", "had", "no", "losses", "to", "the", "program", "during", "2010", "." ]	[ "Our", "catastrophe", "reinsurance", "program", "pricing", "decreased", "approximately", "8.0", "percent", "because", "of", "the", "soft", "market", "conditions", "and", "because", "we", "had", "no", "losses", "to", "the", "program", "during", "2010", "." ]	[]	[ "catastrophe" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p67_s3	101199_11_item7_p58_s2	Our e stimates for losses, particularly in these long-tail lines, are dependent upon many factors, such as the legal environment, inflation and medical costs.	Our estimates for losses, particularly in these long-tail lines, are dependent upon many factors, such as the legal environment, inflation and medical costs.	2	[ "<tag1>", "Our", "e", "stimates", "for", "losses", ",", "particularly", "in", "these", "long", "-", "tail", "lines", ",", "are", "dependent", "upon", "many", "factors", ",", "such", "as", "the", "legal", "environment", ",", "inflation", "and", "medical", "costs", ".", "<tag2>", "Our", "estimates", "for", "losses", ",", "particularly", "in", "these", "long", "-", "tail", "lines", ",", "are", "dependent", "upon", "many", "factors", ",", "such", "as", "the", "legal", "environment", ",", "inflation", "and", "medical", "costs", ".", "<tag3>" ]	[ "Our", "e", "stimates", "for", "losses", ",", "particularly", "in", "these", "long", "-", "tail", "lines", ",", "are", "dependent", "upon", "many", "factors", ",", "such", "as", "the", "legal", "environment", ",", "inflation", "and", "medical", "costs", "." ]	[ "Our", "estimates", "for", "losses", ",", "particularly", "in", "these", "long", "-", "tail", "lines", ",", "are", "dependent", "upon", "many", "factors", ",", "such", "as", "the", "legal", "environment", ",", "inflation", "and", "medical", "costs", "." ]	[]	[ "estimates" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p69_s3	101199_11_item7_p59_s2	The 2010 development included $8.6 million in adverse development from Hurricane Katrina as a result of our continuing resolution of outstanding litigation.	The favorable development included $6.5 million in adverse development from Hurricane Katrina as a result of our continuing resolution of outstanding claims litigation.	2	[ "<tag1>", "The", "2010", "development", "included", "$", "8.6", "million", "in", "adverse", "development", "from", "Hurricane", "Katrina", "as", "a", "result", "of", "our", "continuing", "resolution", "of", "outstanding", "litigation", ".", "<tag2>", "The", "favorable", "development", "included", "$", "6.5", "million", "in", "adverse", "development", "from", "Hurricane", "Katrina", "as", "a", "result", "of", "our", "continuing", "resolution", "of", "outstanding", "claims", "litigation", ".", "<tag3>" ]	[ "The", "2010", "development", "included", "$", "8.6", "million", "in", "adverse", "development", "from", "Hurricane", "Katrina", "as", "a", "result", "of", "our", "continuing", "resolution", "of", "outstanding", "litigation", "." ]	[ "The", "favorable", "development", "included", "$", "6.5", "million", "in", "adverse", "development", "from", "Hurricane", "Katrina", "as", "a", "result", "of", "our", "continuing", "resolution", "of", "outstanding", "claims", "litigation", "." ]	[]	[ "favorable", "6.5", "claims" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 0, 0, -100, 1, 0, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, 0, 0, 0, -100, 1, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p77_s2	101199_11_item7_p59_s8	Our other liability line of business had a significant increase in losses and loss settlement expenses as a result of unfavorable reserve development from the re-estimation o f our recorded reserves, a slight increase in severity as a result of larger jury awards and continuing construction defect claims and loss settlement expenses.	In 2009, our other liability lines experienced unfavorable reserve development from the re-estimation of certain of our recorded reserves and a slight increase in severity as a result of larger jury awards and continuing construction defect claims and loss settlement expenses.	2	[ "<tag1>", "Our", "other", "liability", "line", "of", "business", "had", "a", "significant", "increase", "in", "losses", "and", "loss", "settlement", "expenses", "as", "a", "result", "of", "unfavorable", "reserve", "development", "from", "the", "re", "-", "estimation", "o", "f", "our", "recorded", "reserves", ",", "a", "slight", "increase", "in", "severity", "as", "a", "result", "of", "larger", "jury", "awards", "and", "continuing", "construction", "defect", "claims", "and", "loss", "settlement", "expenses", ".", "<tag2>", "In", "2009", ",", "our", "other", "liability", "lines", "experienced", "unfavorable", "reserve", "development", "from", "the", "re", "-", "estimation", "of", "certain", "of", "our", "recorded", "reserves", "and", "a", "slight", "increase", "in", "severity", "as", "a", "result", "of", "larger", "jury", "awards", "and", "continuing", "construction", "defect", "claims", "and", "loss", "settlement", "expenses", ".", "<tag3>" ]	[ "Our", "other", "liability", "line", "of", "business", "had", "a", "significant", "increase", "in", "losses", "and", "loss", "settlement", "expenses", "as", "a", "result", "of", "unfavorable", "reserve", "development", "from", "the", "re", "-", "estimation", "o", "f", "our", "recorded", "reserves", ",", "a", "slight", "increase", "in", "severity", "as", "a", "result", "of", "larger", "jury", "awards", "and", "continuing", "construction", "defect", "claims", "and", "loss", "settlement", "expenses", "." ]	[ "In", "2009", ",", "our", "other", "liability", "lines", "experienced", "unfavorable", "reserve", "development", "from", "the", "re", "-", "estimation", "of", "certain", "of", "our", "recorded", "reserves", "and", "a", "slight", "increase", "in", "severity", "as", "a", "result", "of", "larger", "jury", "awards", "and", "continuing", "construction", "defect", "claims", "and", "loss", "settlement", "expenses", "." ]	[]	[ "2009", "lines", "experienced", "certain" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 0, -100, 0, 0, 1, 1, -100, -100, 0, -100, 0, 0, 0, -100, -100, 1, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p79_s0	101199_11_item7_p71_s0	The insurance covers l osses to an insured s property, including its contents, from weather, fire, theft or other causes.	The insurance covers losses to an insured s property, including its contents, from weather, fire, theft or other causes.	2	[ "<tag1>", "The", "insurance", "covers", "l", "osses", "to", "an", "insured", "s", "property", ",", "including", "its", "contents", ",", "from", "weather", ",", "fire", ",", "theft", "or", "other", "causes", ".", "<tag2>", "The", "insurance", "covers", "losses", "to", "an", "insured", "s", "property", ",", "including", "its", "contents", ",", "from", "weather", ",", "fire", ",", "theft", "or", "other", "causes", ".", "<tag3>" ]	[ "The", "insurance", "covers", "l", "osses", "to", "an", "insured", "s", "property", ",", "including", "its", "contents", ",", "from", "weather", ",", "fire", ",", "theft", "or", "other", "causes", "." ]	[ "The", "insurance", "covers", "losses", "to", "an", "insured", "s", "property", ",", "including", "its", "contents", ",", "from", "weather", ",", "fire", ",", "theft", "or", "other", "causes", "." ]	[]	[ "losses" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 0, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p81_s2	101199_11_item7_p79_s1	The other liability line experienced a decline in premiums earned in 2010 and 2009, as compared to 2008 , due to the effect competition and the weak economy had on residential and commercial construction.	The decline in premiums earned in 2010 was due to the effect competition and the weak economy had on residential and commercial construction.	2	[ "<tag1>", "The", "other", "liability", "line", "experienced", "a", "decline", "in", "premiums", "earned", "in", "2010", "and", "2009", ",", "as", "compared", "to", "2008", ",", "due", "to", "the", "effect", "competition", "and", "the", "weak", "economy", "had", "on", "residential", "and", "commercial", "construction", ".", "<tag2>", "The", "decline", "in", "premiums", "earned", "in", "2010", "was", "due", "to", "the", "effect", "competition", "and", "the", "weak", "economy", "had", "on", "residential", "and", "commercial", "construction", ".", "<tag3>" ]	[ "The", "other", "liability", "line", "experienced", "a", "decline", "in", "premiums", "earned", "in", "2010", "and", "2009", ",", "as", "compared", "to", "2008", ",", "due", "to", "the", "effect", "competition", "and", "the", "weak", "economy", "had", "on", "residential", "and", "commercial", "construction", "." ]	[ "The", "decline", "in", "premiums", "earned", "in", "2010", "was", "due", "to", "the", "effect", "competition", "and", "the", "weak", "economy", "had", "on", "residential", "and", "commercial", "construction", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p251_s0	101199_11_item7_p80_s0	Construction defect claims generally relate to allegedly defective work performed in the construction of structures such as apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.	Construction defect is a liability allegation relating to defective work performed in the construction of structures such as commercial buildings, apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.	2	[ "<tag1>", "Construction", "defect", "claims", "generally", "relate", "to", "allegedly", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", ".", "<tag2>", "Construction", "defect", "is", "a", "liability", "allegation", "relating", "to", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "commercial", "buildings", ",", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", ".", "<tag3>" ]	[ "Construction", "defect", "claims", "generally", "relate", "to", "allegedly", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", "." ]	[ "Construction", "defect", "is", "a", "liability", "allegation", "relating", "to", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "commercial", "buildings", ",", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", "." ]	[]	[ "liability", "allegation", "relating", "commercial", "buildings" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 1, 1, 1, -100, -100, 0, -100, 0, -100, 0, -100, 0, -100, -100, 1, 1, -100, 0, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, 0, 0, 0, 0, 0, -100, 0, -100, 0, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p86_s3	101199_11_item7_p82_s7	I n 2010, the increase in frequency on the other liability line of business is due to the continued deterioration of the economy with an associated increase in new claims submitted, primarily bodily injury claims.	In 2010, the increase in frequency was due to continued deterioration of the economy with an associated increase in new claims submitted, primarily bodily injury claims.	2	[ "<tag1>", "I", "n", "2010", ",", "the", "increase", "in", "frequency", "on", "the", "other", "liability", "line", "of", "business", "is", "due", "to", "the", "continued", "deterioration", "of", "the", "economy", "with", "an", "associated", "increase", "in", "new", "claims", "submitted", ",", "primarily", "bodily", "injury", "claims", ".", "<tag2>", "In", "2010", ",", "the", "increase", "in", "frequency", "was", "due", "to", "continued", "deterioration", "of", "the", "economy", "with", "an", "associated", "increase", "in", "new", "claims", "submitted", ",", "primarily", "bodily", "injury", "claims", ".", "<tag3>" ]	[ "I", "n", "2010", ",", "the", "increase", "in", "frequency", "on", "the", "other", "liability", "line", "of", "business", "is", "due", "to", "the", "continued", "deterioration", "of", "the", "economy", "with", "an", "associated", "increase", "in", "new", "claims", "submitted", ",", "primarily", "bodily", "injury", "claims", "." ]	[ "In", "2010", ",", "the", "increase", "in", "frequency", "was", "due", "to", "continued", "deterioration", "of", "the", "economy", "with", "an", "associated", "increase", "in", "new", "claims", "submitted", ",", "primarily", "bodily", "injury", "claims", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p88_s2	101199_11_item7_p84_s2	Automobile liability insurance covers b odily injury, damage to property resulting from automobile accidents caused by the insured, uninsured or underinsured motorists and the legal costs of defending the insured against lawsuits.	Automobile liability insurance covers bodily injury, damage to property resulting from automobile accidents caused by the insured, uninsured or underinsured motorists and the legal costs of defending the insured against lawsuits.	2	[ "<tag1>", "Automobile", "liability", "insurance", "covers", "b", "odily", "injury", ",", "damage", "to", "property", "resulting", "from", "automobile", "accidents", "caused", "by", "the", "insured", ",", "uninsured", "or", "underinsured", "motorists", "and", "the", "legal", "costs", "of", "defending", "the", "insured", "against", "lawsuits", ".", "<tag2>", "Automobile", "liability", "insurance", "covers", "bodily", "injury", ",", "damage", "to", "property", "resulting", "from", "automobile", "accidents", "caused", "by", "the", "insured", ",", "uninsured", "or", "underinsured", "motorists", "and", "the", "legal", "costs", "of", "defending", "the", "insured", "against", "lawsuits", ".", "<tag3>" ]	[ "Automobile", "liability", "insurance", "covers", "b", "odily", "injury", ",", "damage", "to", "property", "resulting", "from", "automobile", "accidents", "caused", "by", "the", "insured", ",", "uninsured", "or", "underinsured", "motorists", "and", "the", "legal", "costs", "of", "defending", "the", "insured", "against", "lawsuits", "." ]	[ "Automobile", "liability", "insurance", "covers", "bodily", "injury", ",", "damage", "to", "property", "resulting", "from", "automobile", "accidents", "caused", "by", "the", "insured", ",", "uninsured", "or", "underinsured", "motorists", "and", "the", "legal", "costs", "of", "defending", "the", "insured", "against", "lawsuits", "." ]	[]	[ "bodily" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, -100, 1, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p95_s1	101199_11_item7_p90_s1	Our contract bonds protect owners from failure to perf orm on the part of our principals.	Our contract bonds protect owners from failure to perform on the part of our principals.	2	[ "<tag1>", "Our", "contract", "bonds", "protect", "owners", "from", "failure", "to", "perf", "orm", "on", "the", "part", "of", "our", "principals", ".", "<tag2>", "Our", "contract", "bonds", "protect", "owners", "from", "failure", "to", "perform", "on", "the", "part", "of", "our", "principals", ".", "<tag3>" ]	[ "Our", "contract", "bonds", "protect", "owners", "from", "failure", "to", "perf", "orm", "on", "the", "part", "of", "our", "principals", "." ]	[ "Our", "contract", "bonds", "protect", "owners", "from", "failure", "to", "perform", "on", "the", "part", "of", "our", "principals", "." ]	[]	[ "perform" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 0, -100, -100, -100, 1, -100, -100, 0, -100, -100, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p100_s5	101199_11_item7_p97_s7	Also contributing to the decline in 2009 was the conclusion of some of our assumed business in early 2009 that had been in run-off since late 2006.	We also concluded some of our assumed business in early 2009 that had been in run-off since late 2006.	2	[ "<tag1>", "Also", "contributing", "to", "the", "decline", "in", "2009", "was", "the", "conclusion", "of", "some", "of", "our", "assumed", "business", "in", "early", "2009", "that", "had", "been", "in", "run", "-", "off", "since", "late", "2006", ".", "<tag2>", "We", "also", "concluded", "some", "of", "our", "assumed", "business", "in", "early", "2009", "that", "had", "been", "in", "run", "-", "off", "since", "late", "2006", ".", "<tag3>" ]	[ "Also", "contributing", "to", "the", "decline", "in", "2009", "was", "the", "conclusion", "of", "some", "of", "our", "assumed", "business", "in", "early", "2009", "that", "had", "been", "in", "run", "-", "off", "since", "late", "2006", "." ]	[ "We", "also", "concluded", "some", "of", "our", "assumed", "business", "in", "early", "2009", "that", "had", "been", "in", "run", "-", "off", "since", "late", "2006", "." ]	[]	[ "also", "concluded" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 1, -100, -100, 0, -100, -100, -100, -100, 0, -100, 0, -100, 0, -100, -100, -100, 0, -100, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p44_s0	101199_11_item7_p99_s0	(1) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	NM = not meaningful (1) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	2	[ "<tag1>", "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]	[ "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[ "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[]	[ "NM", "meaningful", "Measurement", "Results" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 0, -100, 1, -100, -100, -100, 0, 1, -100, 1, -100, 0, -100, -100, -100, 0, 0, -100, 0, -100, 0, -100, -100, 0, 0, -100, -100, -100, 0, -100, -100, -100, -100, -100, 0, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_12_item7_p45_s1	101199_11_item7_p99_s0	(1) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	(2) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	2	[ "<tag1>", "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "(", "2", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]	[ "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[ "(", "2", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[]	[ "Measurement", "Results" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, -100, 1, 0, 1, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, 0, -100, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p8_s0	101199_12_item7_p103_s1	Our principal life insurance products are deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.	life insurance, which includes deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.	2	[ "<tag1>", "Our", "principal", "life", "insurance", "products", "are", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", ".", "<tag2>", "life", "insurance", ",", "which", "includes", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", ".", "<tag3>" ]	[ "Our", "principal", "life", "insurance", "products", "are", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", "." ]	[ "life", "insurance", ",", "which", "includes", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", "." ]	[]	[ "includes" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 0, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p84_s3	101199_12_item7_p106_s1	This was driven by the continuing low interest rate environment.	This was due to the continuing low interest rate environment.	2	[ "<tag1>", "This", "was", "driven", "by", "the", "continuing", "low", "interest", "rate", "environment", ".", "<tag2>", "This", "was", "due", "to", "the", "continuing", "low", "interest", "rate", "environment", ".", "<tag3>" ]	[ "This", "was", "driven", "by", "the", "continuing", "low", "interest", "rate", "environment", "." ]	[ "This", "was", "due", "to", "the", "continuing", "low", "interest", "rate", "environment", "." ]	[]	[ "due" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 1, -100, -100, 0, -100, -100, 0, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p96_s0	101199_12_item7_p109_s1	We develop our investment strategies based on a number of factors, including estimated duration of reserve liabilities, short- and long-term liquidity needs, projected tax status, general economic conditions, expected rates of inflation and regulatory requirements.	Composition We develop our investment strategies based on a number of factors, including estimated duration of reserve liabilities, short- and long-term liquidity needs, projected tax status, general economic conditions, expected rates of inflation and regulatory requirements.	2	[ "<tag1>", "We", "develop", "our", "investment", "strategies", "based", "on", "a", "number", "of", "factors", ",", "including", "estimated", "duration", "of", "reserve", "liabilities", ",", "short-", "and", "long", "-", "term", "liquidity", "needs", ",", "projected", "tax", "status", ",", "general", "economic", "conditions", ",", "expected", "rates", "of", "inflation", "and", "regulatory", "requirements", ".", "<tag2>", "Composition", "We", "develop", "our", "investment", "strategies", "based", "on", "a", "number", "of", "factors", ",", "including", "estimated", "duration", "of", "reserve", "liabilities", ",", "short-", "and", "long", "-", "term", "liquidity", "needs", ",", "projected", "tax", "status", ",", "general", "economic", "conditions", ",", "expected", "rates", "of", "inflation", "and", "regulatory", "requirements", ".", "<tag3>" ]	[ "We", "develop", "our", "investment", "strategies", "based", "on", "a", "number", "of", "factors", ",", "including", "estimated", "duration", "of", "reserve", "liabilities", ",", "short-", "and", "long", "-", "term", "liquidity", "needs", ",", "projected", "tax", "status", ",", "general", "economic", "conditions", ",", "expected", "rates", "of", "inflation", "and", "regulatory", "requirements", "." ]	[ "Composition", "We", "develop", "our", "investment", "strategies", "based", "on", "a", "number", "of", "factors", ",", "including", "estimated", "duration", "of", "reserve", "liabilities", ",", "short-", "and", "long", "-", "term", "liquidity", "needs", ",", "projected", "tax", "status", ",", "general", "economic", "conditions", ",", "expected", "rates", "of", "inflation", "and", "regulatory", "requirements", "." ]	[]	[ "Composition" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p104_s0	101199_12_item7_p113_s1	With appropriate matching, our investments will mature when cash is needed, preventing the need to liquidate other assets prematurely.	will mature when cash is needed, preventing the need to liquidate other assets prematurely.	2	[ "<tag1>", "With", "appropriate", "matching", ",", "our", "investments", "will", "mature", "when", "cash", "is", "needed", ",", "preventing", "the", "need", "to", "liquidate", "other", "assets", "prematurely", ".", "<tag2>", "will", "mature", "when", "cash", "is", "needed", ",", "preventing", "the", "need", "to", "liquidate", "other", "assets", "prematurely", ".", "<tag3>" ]	[ "With", "appropriate", "matching", ",", "our", "investments", "will", "mature", "when", "cash", "is", "needed", ",", "preventing", "the", "need", "to", "liquidate", "other", "assets", "prematurely", "." ]	[ "will", "mature", "when", "cash", "is", "needed", ",", "preventing", "the", "need", "to", "liquidate", "other", "assets", "prematurely", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p124_s0	101199_12_item7_p130_s3	The following table summarizes the change in our net unrealized gains:	The following table summarizes the change in our net unrealized investment gains (losses):	2	[ "<tag1>", "The", "following", "table", "summarizes", "the", "change", "in", "our", "net", "unrealized", "gains", ":", "<tag2>", "The", "following", "table", "summarizes", "the", "change", "in", "our", "net", "unrealized", "investment", "gains", "(", "losses", "):", "<tag3>" ]	[ "The", "following", "table", "summarizes", "the", "change", "in", "our", "net", "unrealized", "gains", ":" ]	[ "The", "following", "table", "summarizes", "the", "change", "in", "our", "net", "unrealized", "investment", "gains", "(", "losses", "):" ]	[]	[ "investment", "losses", "):" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, 0, 0, -100, 0, -100, 0, 0, 0, 1, 0, -100, 1, 1, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p151_s3	101199_12_item7_p161_s1	Furthermore, under Iowa law United Fire Casualty Company may pay dividends only if after giving effect to the payment either that the company is able to pay our debts as they become due in the normal course of business or our total assets would be equal to or more than the sum of our total liabilities.	Furthermore, under state law our insurance operating subsidiaries may pay dividends only if after giving effect to the payment they are able to pay their debts as they become due in the normal course of business or their total assets would be equal to or greater than the sum of their total liabilities.	2	[ "<tag1>", "Furthermore", ",", "under", "Iowa", "law", "United", "Fire", "Casualty", "Company", "may", "pay", "dividends", "only", "if", "after", "giving", "effect", "to", "the", "payment", "either", "that", "the", "company", "is", "able", "to", "pay", "our", "debts", "as", "they", "become", "due", "in", "the", "normal", "course", "of", "business", "or", "our", "total", "assets", "would", "be", "equal", "to", "or", "more", "than", "the", "sum", "of", "our", "total", "liabilities", ".", "<tag2>", "Furthermore", ",", "under", "state", "law", "our", "insurance", "operating", "subsidiaries", "may", "pay", "dividends", "only", "if", "after", "giving", "effect", "to", "the", "payment", "they", "are", "able", "to", "pay", "their", "debts", "as", "they", "become", "due", "in", "the", "normal", "course", "of", "business", "or", "their", "total", "assets", "would", "be", "equal", "to", "or", "greater", "than", "the", "sum", "of", "their", "total", "liabilities", ".", "<tag3>" ]	[ "Furthermore", ",", "under", "Iowa", "law", "United", "Fire", "Casualty", "Company", "may", "pay", "dividends", "only", "if", "after", "giving", "effect", "to", "the", "payment", "either", "that", "the", "company", "is", "able", "to", "pay", "our", "debts", "as", "they", "become", "due", "in", "the", "normal", "course", "of", "business", "or", "our", "total", "assets", "would", "be", "equal", "to", "or", "more", "than", "the", "sum", "of", "our", "total", "liabilities", "." ]	[ "Furthermore", ",", "under", "state", "law", "our", "insurance", "operating", "subsidiaries", "may", "pay", "dividends", "only", "if", "after", "giving", "effect", "to", "the", "payment", "they", "are", "able", "to", "pay", "their", "debts", "as", "they", "become", "due", "in", "the", "normal", "course", "of", "business", "or", "their", "total", "assets", "would", "be", "equal", "to", "or", "greater", "than", "the", "sum", "of", "their", "total", "liabilities", "." ]	[]	[ "state", "insurance", "operating", "subsidiaries", "greater" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, 0, 1, 0, -100, 1, 1, 1, -100, -100, 0, 0, -100, 0, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, 1, -100, 0, -100, -100, -100, 0, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p155_s1	101199_12_item7_p166_s0	grant certain types of security interests, incur certain types of liens, impose restrictions on subsidiary dividends, enter into leaseback transactions, or incur certain indebtedness.	Subject to certain exceptions, these activities include restricting our ability to sell or transfer assets or enter into a merger or consolidate with another company, grant certain types of security interests, incur certain types of liens, impose restrictions on subsidiary dividends, enter into leaseback transactions, or incur certain indebtedness.	2	[ "<tag1>", "grant", "certain", "types", "of", "security", "interests", ",", "incur", "certain", "types", "of", "liens", ",", "impose", "restrictions", "on", "subsidiary", "dividends", ",", "enter", "into", "leaseback", "transactions", ",", "or", "incur", "certain", "indebtedness", ".", "<tag2>", "Subject", "to", "certain", "exceptions", ",", "these", "activities", "include", "restricting", "our", "ability", "to", "sell", "or", "transfer", "assets", "or", "enter", "into", "a", "merger", "or", "consolidate", "with", "another", "company", ",", "grant", "certain", "types", "of", "security", "interests", ",", "incur", "certain", "types", "of", "liens", ",", "impose", "restrictions", "on", "subsidiary", "dividends", ",", "enter", "into", "leaseback", "transactions", ",", "or", "incur", "certain", "indebtedness", ".", "<tag3>" ]	[ "grant", "certain", "types", "of", "security", "interests", ",", "incur", "certain", "types", "of", "liens", ",", "impose", "restrictions", "on", "subsidiary", "dividends", ",", "enter", "into", "leaseback", "transactions", ",", "or", "incur", "certain", "indebtedness", "." ]	[ "Subject", "to", "certain", "exceptions", ",", "these", "activities", "include", "restricting", "our", "ability", "to", "sell", "or", "transfer", "assets", "or", "enter", "into", "a", "merger", "or", "consolidate", "with", "another", "company", ",", "grant", "certain", "types", "of", "security", "interests", ",", "incur", "certain", "types", "of", "liens", ",", "impose", "restrictions", "on", "subsidiary", "dividends", ",", "enter", "into", "leaseback", "transactions", ",", "or", "incur", "certain", "indebtedness", "." ]	[]	[ "Subject", "exceptions", "activities", "include", "restricting", "ability", "sell", "transfer", "assets", "merger", "consolidate", "another", "company" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 0, 0, 1, 0, 0, 1, 1, 1, 0, 1, -100, 1, 0, 1, 1, 0, 0, 0, 0, 1, 0, 1, -100, 1, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -100, 0, -100, 0, 0, 0, 0, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p159_s2	101199_12_item7_p170_s2	Future Policy Benefits Future payments to be made to policyholders and beneficiaries must be actuarially estimated and are not determinable from the contract.	The amounts presented for future payments to be made to policyholders and beneficiaries must be actuarially estimated and are not determinable from the contract.	2	[ "<tag1>", "Future", "Policy", "Benefits", "Future", "payments", "to", "be", "made", "to", "policyholders", "and", "beneficiaries", "must", "be", "actuarially", "estimated", "and", "are", "not", "determinable", "from", "the", "contract", ".", "<tag2>", "The", "amounts", "presented", "for", "future", "payments", "to", "be", "made", "to", "policyholders", "and", "beneficiaries", "must", "be", "actuarially", "estimated", "and", "are", "not", "determinable", "from", "the", "contract", ".", "<tag3>" ]	[ "Future", "Policy", "Benefits", "Future", "payments", "to", "be", "made", "to", "policyholders", "and", "beneficiaries", "must", "be", "actuarially", "estimated", "and", "are", "not", "determinable", "from", "the", "contract", "." ]	[ "The", "amounts", "presented", "for", "future", "payments", "to", "be", "made", "to", "policyholders", "and", "beneficiaries", "must", "be", "actuarially", "estimated", "and", "are", "not", "determinable", "from", "the", "contract", "." ]	[]	[ "amounts", "presented", "future" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 1, 0, 1, -100, 0, -100, -100, 0, 0, 0, 0, -100, -100, -100, -100, -100, -100, -100, 0, 0, 0, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p83_s1	101199_12_item7_p17_s0	life insurance, which includes deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.	Our principal life insurance products are deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.	2	[ "<tag1>", "life", "insurance", ",", "which", "includes", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", ".", "<tag2>", "Our", "principal", "life", "insurance", "products", "are", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", ".", "<tag3>" ]	[ "life", "insurance", ",", "which", "includes", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", "." ]	[ "Our", "principal", "life", "insurance", "products", "are", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", "." ]	[]	[ "principal" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p166_s0	101199_12_item7_p180_s0	Critical accounting estimates are defined as those that are representative of significant judgments and uncertainties and that may potentially result in materially different results under different assumptions and conditions.	CRITICAL ACCOUNTING POLICIES Critical accounting policies are defined as those that are representative of significant judgments and uncertainties and that may potentially result in materially different results under different assumptions and conditions.	2	[ "<tag1>", "Critical", "accounting", "estimates", "are", "defined", "as", "those", "that", "are", "representative", "of", "significant", "judgments", "and", "uncertainties", "and", "that", "may", "potentially", "result", "in", "materially", "different", "results", "under", "different", "assumptions", "and", "conditions", ".", "<tag2>", "CRITICAL", "ACCOUNTING", "POLICIES", "Critical", "accounting", "policies", "are", "defined", "as", "those", "that", "are", "representative", "of", "significant", "judgments", "and", "uncertainties", "and", "that", "may", "potentially", "result", "in", "materially", "different", "results", "under", "different", "assumptions", "and", "conditions", ".", "<tag3>" ]	[ "Critical", "accounting", "estimates", "are", "defined", "as", "those", "that", "are", "representative", "of", "significant", "judgments", "and", "uncertainties", "and", "that", "may", "potentially", "result", "in", "materially", "different", "results", "under", "different", "assumptions", "and", "conditions", "." ]	[ "CRITICAL", "ACCOUNTING", "POLICIES", "Critical", "accounting", "policies", "are", "defined", "as", "those", "that", "are", "representative", "of", "significant", "judgments", "and", "uncertainties", "and", "that", "may", "potentially", "result", "in", "materially", "different", "results", "under", "different", "assumptions", "and", "conditions", "." ]	[]	[ "CRITICAL", "ACCOUNTING", "POLICIES", "policies" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 1, 1, 0, -100, 1, -100, -100, 0, -100, 0, -100, -100, 0, -100, -100, -100, -100, 0, 0, -100, 0, -100, -100, -100, 0, -100, 0, 0, 0, -100, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p168_s0	101199_12_item7_p182_s0	We believe that our most critical accounting estimates are as follows.	We believe that our most critical accounting policies are as follows.	2	[ "<tag1>", "We", "believe", "that", "our", "most", "critical", "accounting", "estimates", "are", "as", "follows", ".", "<tag2>", "We", "believe", "that", "our", "most", "critical", "accounting", "policies", "are", "as", "follows", ".", "<tag3>" ]	[ "We", "believe", "that", "our", "most", "critical", "accounting", "estimates", "are", "as", "follows", "." ]	[ "We", "believe", "that", "our", "most", "critical", "accounting", "policies", "are", "as", "follows", "." ]	[]	[ "policies" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, 0, 0, -100, 0, 1, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p170_s0	101199_12_item7_p183_s2	We record available-for-sale fixed maturity securities, trading securities and equity securities at fair value.	fixed maturity securities, trading securities and equity securities at fair value.	2	[ "<tag1>", "We", "record", "available", "-", "for", "-", "sale", "fixed", "maturity", "securities", ",", "trading", "securities", "and", "equity", "securities", "at", "fair", "value", ".", "<tag2>", "fixed", "maturity", "securities", ",", "trading", "securities", "and", "equity", "securities", "at", "fair", "value", ".", "<tag3>" ]	[ "We", "record", "available", "-", "for", "-", "sale", "fixed", "maturity", "securities", ",", "trading", "securities", "and", "equity", "securities", "at", "fair", "value", "." ]	[ "fixed", "maturity", "securities", ",", "trading", "securities", "and", "equity", "securities", "at", "fair", "value", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p185_s1	101199_12_item7_p198_s0	If a security does not have a market at the balance sheet date, management will estimate the security s fair value based on other securities in the market.	If the impaired security does not have a market at the balance sheet date, management will estimate the security s fair value based on other securities in the market.	2	[ "<tag1>", "If", "a", "security", "does", "not", "have", "a", "market", "at", "the", "balance", "sheet", "date", ",", "management", "will", "estimate", "the", "security", "s", "fair", "value", "based", "on", "other", "securities", "in", "the", "market", ".", "<tag2>", "If", "the", "impaired", "security", "does", "not", "have", "a", "market", "at", "the", "balance", "sheet", "date", ",", "management", "will", "estimate", "the", "security", "s", "fair", "value", "based", "on", "other", "securities", "in", "the", "market", ".", "<tag3>" ]	[ "If", "a", "security", "does", "not", "have", "a", "market", "at", "the", "balance", "sheet", "date", ",", "management", "will", "estimate", "the", "security", "s", "fair", "value", "based", "on", "other", "securities", "in", "the", "market", "." ]	[ "If", "the", "impaired", "security", "does", "not", "have", "a", "market", "at", "the", "balance", "sheet", "date", ",", "management", "will", "estimate", "the", "security", "s", "fair", "value", "based", "on", "other", "securities", "in", "the", "market", "." ]	[]	[ "impaired" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p113_s1	101199_12_item7_p209_s0	Other-Than-Temporary Impairment Charges We continually monitor the difference between our cost basis and the estimated fair value of our investments.	We continually monitor the difference between our cost basis and the estimated fair value of our investments.	2	[ "<tag1>", "Other", "-", "Than", "-", "Temporary", "Impairment", "Charges", "We", "continually", "monitor", "the", "difference", "between", "our", "cost", "basis", "and", "the", "estimated", "fair", "value", "of", "our", "investments", ".", "<tag2>", "We", "continually", "monitor", "the", "difference", "between", "our", "cost", "basis", "and", "the", "estimated", "fair", "value", "of", "our", "investments", ".", "<tag3>" ]	[ "Other", "-", "Than", "-", "Temporary", "Impairment", "Charges", "We", "continually", "monitor", "the", "difference", "between", "our", "cost", "basis", "and", "the", "estimated", "fair", "value", "of", "our", "investments", "." ]	[ "We", "continually", "monitor", "the", "difference", "between", "our", "cost", "basis", "and", "the", "estimated", "fair", "value", "of", "our", "investments", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p113_s2	101199_12_item7_p209_s1	Our accounting policy for impairment recognition requires OTTI charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.	Our accounting policy for impairment recognition requires other-than-temporary impairment charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.	2	[ "<tag1>", "Our", "accounting", "policy", "for", "impairment", "recognition", "requires", "OTTI", "charges", "to", "be", "recorded", "when", "we", "determine", "that", "it", "is", "more", "likely", "than", "not", "that", "we", "will", "be", "unable", "to", "collect", "all", "amounts", "due", "according", "to", "the", "contractual", "terms", "of", "the", "fixed", "maturity", "security", "or", "that", "the", "anticipated", "recovery", "in", "fair", "value", "of", "the", "equity", "security", "will", "not", "occur", "in", "a", "reasonable", "amount", "of", "time", ".", "<tag2>", "Our", "accounting", "policy", "for", "impairment", "recognition", "requires", "other", "-", "than", "-", "temporary", "impairment", "charges", "to", "be", "recorded", "when", "we", "determine", "that", "it", "is", "more", "likely", "than", "not", "that", "we", "will", "be", "unable", "to", "collect", "all", "amounts", "due", "according", "to", "the", "contractual", "terms", "of", "the", "fixed", "maturity", "security", "or", "that", "the", "anticipated", "recovery", "in", "fair", "value", "of", "the", "equity", "security", "will", "not", "occur", "in", "a", "reasonable", "amount", "of", "time", ".", "<tag3>" ]	[ "Our", "accounting", "policy", "for", "impairment", "recognition", "requires", "OTTI", "charges", "to", "be", "recorded", "when", "we", "determine", "that", "it", "is", "more", "likely", "than", "not", "that", "we", "will", "be", "unable", "to", "collect", "all", "amounts", "due", "according", "to", "the", "contractual", "terms", "of", "the", "fixed", "maturity", "security", "or", "that", "the", "anticipated", "recovery", "in", "fair", "value", "of", "the", "equity", "security", "will", "not", "occur", "in", "a", "reasonable", "amount", "of", "time", "." ]	[ "Our", "accounting", "policy", "for", "impairment", "recognition", "requires", "other", "-", "than", "-", "temporary", "impairment", "charges", "to", "be", "recorded", "when", "we", "determine", "that", "it", "is", "more", "likely", "than", "not", "that", "we", "will", "be", "unable", "to", "collect", "all", "amounts", "due", "according", "to", "the", "contractual", "terms", "of", "the", "fixed", "maturity", "security", "or", "that", "the", "anticipated", "recovery", "in", "fair", "value", "of", "the", "equity", "security", "will", "not", "occur", "in", "a", "reasonable", "amount", "of", "time", "." ]	[]	[ "temporary" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p191_s0	101199_12_item7_p211_s0	This asset is amortized over the life of the policies written, generally one year.	The DAC asset is amortized over the life of the policies written, generally one year.	2	[ "<tag1>", "This", "asset", "is", "amortized", "over", "the", "life", "of", "the", "policies", "written", ",", "generally", "one", "year", ".", "<tag2>", "The", "DAC", "asset", "is", "amortized", "over", "the", "life", "of", "the", "policies", "written", ",", "generally", "one", "year", ".", "<tag3>" ]	[ "This", "asset", "is", "amortized", "over", "the", "life", "of", "the", "policies", "written", ",", "generally", "one", "year", "." ]	[ "The", "DAC", "asset", "is", "amortized", "over", "the", "life", "of", "the", "policies", "written", ",", "generally", "one", "year", "." ]	[]	[ "DAC" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p223_s0	101199_12_item7_p242_s1	Accordingly, management reviews and updates these assumptions periodically to ensure that the assumptions continue to be valid.	periodically to ensure that the assumptions continue to be valid.	2	[ "<tag1>", "Accordingly", ",", "management", "reviews", "and", "updates", "these", "assumptions", "periodically", "to", "ensure", "that", "the", "assumptions", "continue", "to", "be", "valid", ".", "<tag2>", "periodically", "to", "ensure", "that", "the", "assumptions", "continue", "to", "be", "valid", ".", "<tag3>" ]	[ "Accordingly", ",", "management", "reviews", "and", "updates", "these", "assumptions", "periodically", "to", "ensure", "that", "the", "assumptions", "continue", "to", "be", "valid", "." ]	[ "periodically", "to", "ensure", "that", "the", "assumptions", "continue", "to", "be", "valid", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p223_s1	101199_12_item7_p243_s0	in the estimates derived from the use of these assumptions, but also in the assumptions themselves.	If necessary, management makes changes not only in the estimates derived from the use of these assumptions, but also in the assumptions themselves.	2	[ "<tag1>", "in", "the", "estimates", "derived", "from", "the", "use", "of", "these", "assumptions", ",", "but", "also", "in", "the", "assumptions", "themselves", ".", "<tag2>", "If", "necessary", ",", "management", "makes", "changes", "not", "only", "in", "the", "estimates", "derived", "from", "the", "use", "of", "these", "assumptions", ",", "but", "also", "in", "the", "assumptions", "themselves", ".", "<tag3>" ]	[ "in", "the", "estimates", "derived", "from", "the", "use", "of", "these", "assumptions", ",", "but", "also", "in", "the", "assumptions", "themselves", "." ]	[ "If", "necessary", ",", "management", "makes", "changes", "not", "only", "in", "the", "estimates", "derived", "from", "the", "use", "of", "these", "assumptions", ",", "but", "also", "in", "the", "assumptions", "themselves", "." ]	[]	[ "necessary", "management", "makes", "changes" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 1, 0, 1, 1, 1, -100, 0, 0, 0, 0, 0, -100, -100, -100, -100, 0, -100, 0, 0, -100, 0, 0, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p66_s0	101199_12_item7_p251_s0	Construction defect is a liability allegation relating to defective work performed in the construction of structures such as commercial buildings, apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.	Construction defect claims generally relate to allegedly defective work performed in the construction of structures such as apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.	2	[ "<tag1>", "Construction", "defect", "is", "a", "liability", "allegation", "relating", "to", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "commercial", "buildings", ",", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", ".", "<tag2>", "Construction", "defect", "claims", "generally", "relate", "to", "allegedly", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", ".", "<tag3>" ]	[ "Construction", "defect", "is", "a", "liability", "allegation", "relating", "to", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "commercial", "buildings", ",", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", "." ]	[ "Construction", "defect", "claims", "generally", "relate", "to", "allegedly", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", "." ]	[]	[ "claims", "generally", "relate", "allegedly" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 1, 1, 1, 0, 1, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, 0, 0, -100, 0, -100, 0, -100, -100, 0, 0, 0, -100, -100, -100, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p233_s0	101199_12_item7_p252_s0	that we anticipate will mitigate the amount of construction defect losses experienced.	In recent years, we have implemented various underwriting measures that we anticipate will mitigate the amount of construction defect losses experienced.	2	[ "<tag1>", "that", "we", "anticipate", "will", "mitigate", "the", "amount", "of", "construction", "defect", "losses", "experienced", ".", "<tag2>", "In", "recent", "years", ",", "we", "have", "implemented", "various", "underwriting", "measures", "that", "we", "anticipate", "will", "mitigate", "the", "amount", "of", "construction", "defect", "losses", "experienced", ".", "<tag3>" ]	[ "that", "we", "anticipate", "will", "mitigate", "the", "amount", "of", "construction", "defect", "losses", "experienced", "." ]	[ "In", "recent", "years", ",", "we", "have", "implemented", "various", "underwriting", "measures", "that", "we", "anticipate", "will", "mitigate", "the", "amount", "of", "construction", "defect", "losses", "experienced", "." ]	[]	[ "recent", "years", "implemented", "various", "underwriting", "measures" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 1, 1, 0, 0, 0, 1, 1, 1, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p237_s2	101199_12_item7_p256_s3	Adverse development is recognized and reported in the Consolidated Financial Statements when we increase our previous estimate of ultimate losses and loss settlement expenses, which results in a decrease to net income.	Favorable development is recognized and reported when we decrease our previous estimate of ultimate losses and loss settlement expenses, which results in an increase to net income in the period recognized.	2	[ "<tag1>", "Adverse", "development", "is", "recognized", "and", "reported", "in", "the", "Consolidated", "Financial", "Statements", "when", "we", "increase", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "a", "decrease", "to", "net", "income", ".", "<tag2>", "Favorable", "development", "is", "recognized", "and", "reported", "when", "we", "decrease", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "an", "increase", "to", "net", "income", "in", "the", "period", "recognized", ".", "<tag3>" ]	[ "Adverse", "development", "is", "recognized", "and", "reported", "in", "the", "Consolidated", "Financial", "Statements", "when", "we", "increase", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "a", "decrease", "to", "net", "income", "." ]	[ "Favorable", "development", "is", "recognized", "and", "reported", "when", "we", "decrease", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "an", "increase", "to", "net", "income", "in", "the", "period", "recognized", "." ]	[]	[ "Favorable", "period" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, 1, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p16_s0	101199_12_item7_p25_s0	Our consolidated financial statements are prepared on the basis of GAAP.	Our consolidated financial statements are prepared on the basis of U.S. generally accepted accounting principals ("GAAP").	2	[ "<tag1>", "Our", "consolidated", "financial", "statements", "are", "prepared", "on", "the", "basis", "of", "GAAP", ".", "<tag2>", "Our", "consolidated", "financial", "statements", "are", "prepared", "on", "the", "basis", "of", "U.S.", "generally", "accepted", "accounting", "principals", "(", "\"", "GAAP", "\"", ")", ".", "<tag3>" ]	[ "Our", "consolidated", "financial", "statements", "are", "prepared", "on", "the", "basis", "of", "GAAP", "." ]	[ "Our", "consolidated", "financial", "statements", "are", "prepared", "on", "the", "basis", "of", "U.S.", "generally", "accepted", "accounting", "principals", "(", "\"", "GAAP", "\"", ")", "." ]	[]	[ "U.S.", "generally", "accepted", "accounting", "principals" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, 0, 0, 0, -100, 0, 0, 0, 0, 1, 1, 1, 1, 1, 0, 0, 0, 0, 0, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p244_s2	101199_12_item7_p270_s0	point estimates prepared by Regnier by line of business to ensure that our estimates are within the actuary s acceptable range.	On an annual basis, we compare our estimate of total reserves to point estimates prepared by Regnier by line of business to ensure that our estimates are within the actuary s acceptable range.	2	[ "<tag1>", "point", "estimates", "prepared", "by", "Regnier", "by", "line", "of", "business", "to", "ensure", "that", "our", "estimates", "are", "within", "the", "actuary", "s", "acceptable", "range", ".", "<tag2>", "On", "an", "annual", "basis", ",", "we", "compare", "our", "estimate", "of", "total", "reserves", "to", "point", "estimates", "prepared", "by", "Regnier", "by", "line", "of", "business", "to", "ensure", "that", "our", "estimates", "are", "within", "the", "actuary", "s", "acceptable", "range", ".", "<tag3>" ]	[ "point", "estimates", "prepared", "by", "Regnier", "by", "line", "of", "business", "to", "ensure", "that", "our", "estimates", "are", "within", "the", "actuary", "s", "acceptable", "range", "." ]	[ "On", "an", "annual", "basis", ",", "we", "compare", "our", "estimate", "of", "total", "reserves", "to", "point", "estimates", "prepared", "by", "Regnier", "by", "line", "of", "business", "to", "ensure", "that", "our", "estimates", "are", "within", "the", "actuary", "s", "acceptable", "range", "." ]	[]	[ "annual", "basis", "compare", "estimate", "total", "reserves" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, 1, 1, -100, -100, 1, 0, 1, 0, 1, 1, 0, 0, -100, -100, 0, 0, 0, 0, 0, 0, -100, 0, -100, 0, 0, 0, -100, -100, 0, -100, -100, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p253_s0	101199_12_item7_p282_s2	The effects of changes in our estimated reserves are included in the results of operations in the period in which the changes occur.	The effects of changes in reserve estimates are reported in the results of operations in the period in which the changes are determined.	2	[ "<tag1>", "The", "effects", "of", "changes", "in", "our", "estimated", "reserves", "are", "included", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "occur", ".", "<tag2>", "The", "effects", "of", "changes", "in", "reserve", "estimates", "are", "reported", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "are", "determined", ".", "<tag3>" ]	[ "The", "effects", "of", "changes", "in", "our", "estimated", "reserves", "are", "included", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "occur", "." ]	[ "The", "effects", "of", "changes", "in", "reserve", "estimates", "are", "reported", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "are", "determined", "." ]	[]	[ "reserve", "estimates", "reported", "determined" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, -100, -100, 1, 1, 0, 1, 0, -100, 0, 0, 0, 0, 0, 0, -100, 0, -100, 0, -100, 1, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p259_s3	101199_12_item7_p286_s2	Assumption Determination Methodology Potential One-Time Effect on DAC Asset, Net of Unearned Revenue Liabilities Mortality Experience Based on our mortality experience with consideration given to industry experience and trends A 10.0% increase in expected mortality experience for all future years would result in a reduction in DAC and an increase in current period amortization expense of $3.6 million.	Surrender Rates Based on our policy surrender experience with consideration given to industry experience and trends A 10.0% increase in expected surrender rates for all future years would result in a reduction in DAC and an increase in current period amortization expense of $2.0 million.	2	[ "<tag1>", "Assumption", "Determination", "Methodology", "Potential", "One", "-", "Time", "Effect", "on", "DAC", "Asset", ",", "Net", "of", "Unearned", "Revenue", "Liabilities", "Mortality", "Experience", "Based", "on", "our", "mortality", "experience", "with", "consideration", "given", "to", "industry", "experience", "and", "trends", "A", "10.0", "%", "increase", "in", "expected", "mortality", "experience", "for", "all", "future", "years", "would", "result", "in", "a", "reduction", "in", "DAC", "and", "an", "increase", "in", "current", "period", "amortization", "expense", "of", "$", "3.6", "million", ".", "<tag2>", "Surrender", "Rates", "Based", "on", "our", "policy", "surrender", "experience", "with", "consideration", "given", "to", "industry", "experience", "and", "trends", "A", "10.0", "%", "increase", "in", "expected", "surrender", "rates", "for", "all", "future", "years", "would", "result", "in", "a", "reduction", "in", "DAC", "and", "an", "increase", "in", "current", "period", "amortization", "expense", "of", "$", "2.0", "million", ".", "<tag3>" ]	[ "Assumption", "Determination", "Methodology", "Potential", "One", "-", "Time", "Effect", "on", "DAC", "Asset", ",", "Net", "of", "Unearned", "Revenue", "Liabilities", "Mortality", "Experience", "Based", "on", "our", "mortality", "experience", "with", "consideration", "given", "to", "industry", "experience", "and", "trends", "A", "10.0", "%", "increase", "in", "expected", "mortality", "experience", "for", "all", "future", "years", "would", "result", "in", "a", "reduction", "in", "DAC", "and", "an", "increase", "in", "current", "period", "amortization", "expense", "of", "$", "3.6", "million", "." ]	[ "Surrender", "Rates", "Based", "on", "our", "policy", "surrender", "experience", "with", "consideration", "given", "to", "industry", "experience", "and", "trends", "A", "10.0", "%", "increase", "in", "expected", "surrender", "rates", "for", "all", "future", "years", "would", "result", "in", "a", "reduction", "in", "DAC", "and", "an", "increase", "in", "current", "period", "amortization", "expense", "of", "$", "2.0", "million", "." ]	[]	[ "Surrender", "Rates", "policy", "surrender", "surrender", "rates", "2.0" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 1, -100, -100, -100, 1, 1, -100, -100, 0, 0, 0, -100, -100, 0, -100, 0, -100, -100, -100, 0, -100, 1, 1, 0, 0, 0, -100, -100, 0, 0, 0, 0, -100, -100, -100, -100, 0, 0, 0, 0, -100, 0, -100, 0, 1, 0, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p264_s1	101199_12_item7_p293_s5	A 100 basis point decrease in our estimated long-term rate of return on plan assets would increase the pension benefit expense for the year ended December 31, 2011 , by $0.6 million , while a 100 basis point increase in the rate would decrease benefit expense by $0.6 million , for the same period.	For the postretirement benefit plan, an increase in our estimated medical trend rate would increase the benefit expense for the year ended December 31, 2012 , by $1.1 million , while a 100 basis point decrease in the rate would decrease benefit expense by $0.9 million , for the same period.	2	[ "<tag1>", "A", "100", "basis", "point", "decrease", "in", "our", "estimated", "long", "-", "term", "rate", "of", "return", "on", "plan", "assets", "would", "increase", "the", "pension", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2011", ",", "by", "$", "0.6", "million", ",", "while", "a", "100", "basis", "point", "increase", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "0.6", "million", ",", "for", "the", "same", "period", ".", "<tag2>", "For", "the", "postretirement", "benefit", "plan", ",", "an", "increase", "in", "our", "estimated", "medical", "trend", "rate", "would", "increase", "the", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2012", ",", "by", "$", "1.1", "million", ",", "while", "a", "100", "basis", "point", "decrease", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "0.9", "million", ",", "for", "the", "same", "period", ".", "<tag3>" ]	[ "A", "100", "basis", "point", "decrease", "in", "our", "estimated", "long", "-", "term", "rate", "of", "return", "on", "plan", "assets", "would", "increase", "the", "pension", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2011", ",", "by", "$", "0.6", "million", ",", "while", "a", "100", "basis", "point", "increase", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "0.6", "million", ",", "for", "the", "same", "period", "." ]	[ "For", "the", "postretirement", "benefit", "plan", ",", "an", "increase", "in", "our", "estimated", "medical", "trend", "rate", "would", "increase", "the", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2012", ",", "by", "$", "1.1", "million", ",", "while", "a", "100", "basis", "point", "decrease", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "0.9", "million", ",", "for", "the", "same", "period", "." ]	[]	[ "postretirement", "medical", "trend", "1.1", "0.9" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, 1, -100, -100, -100, -100, -100, -100, -100, 0, 1, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, 0, 0, 1, -100, 0, 0, -100, -100, 0, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, 0, 1, 0, 0, -100, 0, -100, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p264_s0	101199_12_item7_p293_s6	For the postretirement benefit plan, an increase in our estimated medical trend rate would increase the postretirement benefit expense for the year ended December 31, 2011 , by $0.8 million , while a 100 basis point decrease in the rate would decrease benefit expense by $0.6 million , for the same period.	A 100 basis point decrease in our estimated long-term rate of return on pension plan assets would increase the benefit expense for the year ended December 31, 2012 , by $0.7 million , while a 100 basis point increase in the rate would decrease benefit expense by $0.7 million , for the same period.	2	[ "<tag1>", "For", "the", "postretirement", "benefit", "plan", ",", "an", "increase", "in", "our", "estimated", "medical", "trend", "rate", "would", "increase", "the", "postretirement", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2011", ",", "by", "$", "0.8", "million", ",", "while", "a", "100", "basis", "point", "decrease", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "0.6", "million", ",", "for", "the", "same", "period", ".", "<tag2>", "A", "100", "basis", "point", "decrease", "in", "our", "estimated", "long", "-", "term", "rate", "of", "return", "on", "pension", "plan", "assets", "would", "increase", "the", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2012", ",", "by", "$", "0.7", "million", ",", "while", "a", "100", "basis", "point", "increase", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "0.7", "million", ",", "for", "the", "same", "period", ".", "<tag3>" ]	[ "For", "the", "postretirement", "benefit", "plan", ",", "an", "increase", "in", "our", "estimated", "medical", "trend", "rate", "would", "increase", "the", "postretirement", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2011", ",", "by", "$", "0.8", "million", ",", "while", "a", "100", "basis", "point", "decrease", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "0.6", "million", ",", "for", "the", "same", "period", "." ]	[ "A", "100", "basis", "point", "decrease", "in", "our", "estimated", "long", "-", "term", "rate", "of", "return", "on", "pension", "plan", "assets", "would", "increase", "the", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2012", ",", "by", "$", "0.7", "million", ",", "while", "a", "100", "basis", "point", "increase", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "0.7", "million", ",", "for", "the", "same", "period", "." ]	[]	[ "long", "term", "return", "pension", "assets", "0.7", "0.7" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, -100, -100, -100, 0, -100, 1, -100, 1, -100, 0, 1, 0, 1, -100, 1, 0, -100, -100, -100, 0, 0, 0, -100, 0, 0, -100, 0, -100, -100, -100, -100, 1, -100, -100, -100, 0, 0, -100, -100, 0, -100, -100, -100, 0, 0, 0, 0, -100, -100, 1, -100, -100, 0, 0, -100, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p22_s0	101199_12_item7_p33_s1	When prepared in accordance with statutory accounting principles, the net loss ratio is calculated by dividing the sum of losses and loss settlement expenses by net premiums earned; the expense ratio is calculated by dividing underwriting expenses by net premiums written.	When prepared in accordance with GAAP, the net loss ratio is calculated by dividing the sum of losses and loss settlement expenses by net premiums earned.	2	[ "<tag1>", "When", "prepared", "in", "accordance", "with", "statutory", "accounting", "principles", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", ";", "the", "expense", "ratio", "is", "calculated", "by", "dividing", "underwriting", "expenses", "by", "net", "premiums", "written", ".", "<tag2>", "When", "prepared", "in", "accordance", "with", "GAAP", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", ".", "<tag3>" ]	[ "When", "prepared", "in", "accordance", "with", "statutory", "accounting", "principles", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", ";", "the", "expense", "ratio", "is", "calculated", "by", "dividing", "underwriting", "expenses", "by", "net", "premiums", "written", "." ]	[ "When", "prepared", "in", "accordance", "with", "GAAP", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", "." ]	[]	[ "GAAP" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, 1, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p22_s2	101199_12_item7_p33_s1	When prepared in accordance with statutory accounting principles, the net loss ratio is calculated by dividing the sum of losses and loss settlement expenses by net premiums earned; the expense ratio is calculated by dividing underwriting expenses by net premiums written.	When prepared in accordance with SAP, the net loss ratio is calculated by dividing the sum of losses and loss settlement expenses by net premium earned, and the expense ratio is calculated by dividing underwriting expenses by net premiums written.	2	[ "<tag1>", "When", "prepared", "in", "accordance", "with", "statutory", "accounting", "principles", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", ";", "the", "expense", "ratio", "is", "calculated", "by", "dividing", "underwriting", "expenses", "by", "net", "premiums", "written", ".", "<tag2>", "When", "prepared", "in", "accordance", "with", "SAP", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premium", "earned", ",", "and", "the", "expense", "ratio", "is", "calculated", "by", "dividing", "underwriting", "expenses", "by", "net", "premiums", "written", ".", "<tag3>" ]	[ "When", "prepared", "in", "accordance", "with", "statutory", "accounting", "principles", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", ";", "the", "expense", "ratio", "is", "calculated", "by", "dividing", "underwriting", "expenses", "by", "net", "premiums", "written", "." ]	[ "When", "prepared", "in", "accordance", "with", "SAP", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premium", "earned", ",", "and", "the", "expense", "ratio", "is", "calculated", "by", "dividing", "underwriting", "expenses", "by", "net", "premiums", "written", "." ]	[]	[ "SAP", "premium" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 0, -100, -100, 1, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 1, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p23_s1	101199_12_item7_p35_s0	unpredictable incident or series of closely related incidents that result in $25.0 million or more in U.S. industry-wide direct insured losses to property and that affect a significant number of insureds and insurers ( ISO catastrophe ).	According to the ISO, a catastrophe loss is defined as a single unpredictable incident or series of closely related incidents that result in $25.0 million or more in U.S. industry-wide direct insured losses to property and that affect a significant number of insureds and insurers ( ISO catastrophe ).	2	[ "<tag1>", "unpredictable", "incident", "or", "series", "of", "closely", "related", "incidents", "that", "result", "in", "$", "25.0", "million", "or", "more", "in", "U.S.", "industry", "-", "wide", "direct", "insured", "losses", "to", "property", "and", "that", "affect", "a", "significant", "number", "of", "insureds", "and", "insurers", "(", "ISO", "catastrophe", ")", ".", "<tag2>", "According", "to", "the", "ISO", ",", "a", "catastrophe", "loss", "is", "defined", "as", "a", "single", "unpredictable", "incident", "or", "series", "of", "closely", "related", "incidents", "that", "result", "in", "$", "25.0", "million", "or", "more", "in", "U.S.", "industry", "-", "wide", "direct", "insured", "losses", "to", "property", "and", "that", "affect", "a", "significant", "number", "of", "insureds", "and", "insurers", "(", "ISO", "catastrophe", ")", ".", "<tag3>" ]	[ "unpredictable", "incident", "or", "series", "of", "closely", "related", "incidents", "that", "result", "in", "$", "25.0", "million", "or", "more", "in", "U.S.", "industry", "-", "wide", "direct", "insured", "losses", "to", "property", "and", "that", "affect", "a", "significant", "number", "of", "insureds", "and", "insurers", "(", "ISO", "catastrophe", ")", "." ]	[ "According", "to", "the", "ISO", ",", "a", "catastrophe", "loss", "is", "defined", "as", "a", "single", "unpredictable", "incident", "or", "series", "of", "closely", "related", "incidents", "that", "result", "in", "$", "25.0", "million", "or", "more", "in", "U.S.", "industry", "-", "wide", "direct", "insured", "losses", "to", "property", "and", "that", "affect", "a", "significant", "number", "of", "insureds", "and", "insurers", "(", "ISO", "catastrophe", ")", "." ]	[]	[ "According", "loss", "defined", "single" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, 0, -100, -100, -100, -100, 1, -100, 1, -100, -100, 1, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, 0, -100, 0, -100, 0, -100, 0, -100, -100, 0, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p24_s0	101199_12_item7_p36_s0	In addition to ISO catastrophes, we also include as catastrophes those events ( non-ISO catastrophes ), which may include U.S. or international losses, that we believe are, or will be, material to our operations, either in amount or in number of claims made.	include U.S. or international losses, that we believe are, or will be, material to our operations, either in amount or in number of claims made.	2	[ "<tag1>", "In", "addition", "to", "ISO", "catastrophes", ",", "we", "also", "include", "as", "catastrophes", "those", "events", "(", "non", "-", "ISO", "catastrophes", ")", ",", "which", "may", "include", "U.S.", "or", "international", "losses", ",", "that", "we", "believe", "are", ",", "or", "will", "be", ",", "material", "to", "our", "operations", ",", "either", "in", "amount", "or", "in", "number", "of", "claims", "made", ".", "<tag2>", "include", "U.S.", "or", "international", "losses", ",", "that", "we", "believe", "are", ",", "or", "will", "be", ",", "material", "to", "our", "operations", ",", "either", "in", "amount", "or", "in", "number", "of", "claims", "made", ".", "<tag3>" ]	[ "In", "addition", "to", "ISO", "catastrophes", ",", "we", "also", "include", "as", "catastrophes", "those", "events", "(", "non", "-", "ISO", "catastrophes", ")", ",", "which", "may", "include", "U.S.", "or", "international", "losses", ",", "that", "we", "believe", "are", ",", "or", "will", "be", ",", "material", "to", "our", "operations", ",", "either", "in", "amount", "or", "in", "number", "of", "claims", "made", "." ]	[ "include", "U.S.", "or", "international", "losses", ",", "that", "we", "believe", "are", ",", "or", "will", "be", ",", "material", "to", "our", "operations", ",", "either", "in", "amount", "or", "in", "number", "of", "claims", "made", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p29_s0	101199_12_item7_p40_s0	NM = not meaningful Consolidated Results of Operations The year 2011 will be remembered for its devastating catastrophes, both domestic and abroad.	The year 2011 will be remembered for its devastating catastrophes, both domestic and abroad.	2	[ "<tag1>", "NM", "=", "not", "meaningful", "Consolidated", "Results", "of", "Operations", "The", "year", "2011", "will", "be", "remembered", "for", "its", "devastating", "catastrophes", ",", "both", "domestic", "and", "abroad", ".", "<tag2>", "The", "year", "2011", "will", "be", "remembered", "for", "its", "devastating", "catastrophes", ",", "both", "domestic", "and", "abroad", ".", "<tag3>" ]	[ "NM", "=", "not", "meaningful", "Consolidated", "Results", "of", "Operations", "The", "year", "2011", "will", "be", "remembered", "for", "its", "devastating", "catastrophes", ",", "both", "domestic", "and", "abroad", "." ]	[ "The", "year", "2011", "will", "be", "remembered", "for", "its", "devastating", "catastrophes", ",", "both", "domestic", "and", "abroad", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_13_item7_p32_s1	101199_12_item7_p44_s0	NM = not meaningful (1) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.	(2) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than GAAP.	2	[ "<tag1>", "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "(", "2", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "GAAP", ".", "<tag3>" ]	[ "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]	[ "(", "2", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "GAAP", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

1010612_18_item7_p10_s6

1010612_17_item7_p9_s3

The results of operations of Qelp have been reflected in the accompanying Consolidated Statements of Operations since July 2, 2015.

The results of operations of Clearlink have been reflected in the accompanying Consolidated Statements of Operations since April 1, 2016.

2

[ "<tag1>", "The", "results", "of", "operations", "of", "Qelp", "have", "been", "reflected", "in", "the", "accompanying", "Consolidated", "Statements", "of", "Operations", "since", "July", "2", ",", "2015", ".", "<tag2>", "The", "results", "of", "operations", "of", "Clearlink", "have", "been", "reflected", "in", "the", "accompanying", "Consolidated", "Statements", "of", "Operations", "since", "April", "1", ",", "2016", ".", "<tag3>" ]

[ "The", "results", "of", "operations", "of", "Qelp", "have", "been", "reflected", "in", "the", "accompanying", "Consolidated", "Statements", "of", "Operations", "since", "July", "2", ",", "2015", "." ]

[ "The", "results", "of", "operations", "of", "Clearlink", "have", "been", "reflected", "in", "the", "accompanying", "Consolidated", "Statements", "of", "Operations", "since", "April", "1", ",", "2016", "." ]

[]

[ "Clearlink", "April", "1" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, 0, -100, -100, 1, -100, -100, -100, 0, -100, 0, 0, -100, -100, 0, 0, 1, 1, -100, 0, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

1010612_18_item7_p12_s1

1010612_17_item7_p9_s4

The following table sets forth, for the years indicated, the amounts reflected in the accompanying Consolidated Statements of Operations as well as the changes between the respective years:

The following table sets forth, for the years indicated, the amounts presented in the accompanying Consolidated Statements of Operations as a percentage of revenues:

2

[ "<tag1>", "The", "following", "table", "sets", "forth", ",", "for", "the", "years", "indicated", ",", "the", "amounts", "reflected", "in", "the", "accompanying", "Consolidated", "Statements", "of", "Operations", "as", "well", "as", "the", "changes", "between", "the", "respective", "years", ":", "<tag2>", "The", "following", "table", "sets", "forth", ",", "for", "the", "years", "indicated", ",", "the", "amounts", "presented", "in", "the", "accompanying", "Consolidated", "Statements", "of", "Operations", "as", "a", "percentage", "of", "revenues", ":", "<tag3>" ]

[ "The", "following", "table", "sets", "forth", ",", "for", "the", "years", "indicated", ",", "the", "amounts", "reflected", "in", "the", "accompanying", "Consolidated", "Statements", "of", "Operations", "as", "well", "as", "the", "changes", "between", "the", "respective", "years", ":" ]

[ "The", "following", "table", "sets", "forth", ",", "for", "the", "years", "indicated", ",", "the", "amounts", "presented", "in", "the", "accompanying", "Consolidated", "Statements", "of", "Operations", "as", "a", "percentage", "of", "revenues", ":" ]

[]

[ "presented", "percentage", "revenues" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, 0, -100, -100, 0, -100, -100, 0, 0, 0, -100, 0, 1, -100, -100, -100, -100, -100, -100, -100, 0, -100, 1, -100, 1, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p17_s0

101199_11_item7_p101_s1

Our principal life insurance products are deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.

life insurance, which includes deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.

2

[ "<tag1>", "Our", "principal", "life", "insurance", "products", "are", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", ".", "<tag2>", "life", "insurance", ",", "which", "includes", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", ".", "<tag3>" ]

[ "Our", "principal", "life", "insurance", "products", "are", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", "." ]

[ "life", "insurance", ",", "which", "includes", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", "." ]

[]

[ "includes" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 1, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p110_s2

101199_11_item7_p107_s2

At December 31, 2010 , $2.3 billion , or 99.7 percent, of our fixed maturities were classified as available-for-sale, compared with $2.2 billion , or 99.6 percent, at December 31, 2009 .

At December 31, 2011 , $2.7 billion , or 99.4 percent, of our fixed maturities were classified as available-for-sale, compared with $2.3 billion , or 99.2 percent, at December 31, 2010 , due to the addition of Mercer Insurance Group's investment portfolio.

2

[ "<tag1>", "At", "December", "31", ",", "2010", ",", "$", "2.3", "billion", ",", "or", "99.7", "percent", ",", "of", "our", "fixed", "maturities", "were", "classified", "as", "available", "-", "for", "-", "sale", ",", "compared", "with", "$", "2.2", "billion", ",", "or", "99.6", "percent", ",", "at", "December", "31", ",", "2009", ".", "<tag2>", "At", "December", "31", ",", "2011", ",", "$", "2.7", "billion", ",", "or", "99.4", "percent", ",", "of", "our", "fixed", "maturities", "were", "classified", "as", "available", "-", "for", "-", "sale", ",", "compared", "with", "$", "2.3", "billion", ",", "or", "99.2", "percent", ",", "at", "December", "31", ",", "2010", ",", "due", "to", "the", "addition", "of", "Mercer", "Insurance", "Group", "'s", "investment", "portfolio", ".", "<tag3>" ]

[ "At", "December", "31", ",", "2010", ",", "$", "2.3", "billion", ",", "or", "99.7", "percent", ",", "of", "our", "fixed", "maturities", "were", "classified", "as", "available", "-", "for", "-", "sale", ",", "compared", "with", "$", "2.2", "billion", ",", "or", "99.6", "percent", ",", "at", "December", "31", ",", "2009", "." ]

[ "At", "December", "31", ",", "2011", ",", "$", "2.7", "billion", ",", "or", "99.4", "percent", ",", "of", "our", "fixed", "maturities", "were", "classified", "as", "available", "-", "for", "-", "sale", ",", "compared", "with", "$", "2.3", "billion", ",", "or", "99.2", "percent", ",", "at", "December", "31", ",", "2010", ",", "due", "to", "the", "addition", "of", "Mercer", "Insurance", "Group", "'s", "investment", "portfolio", "." ]

[]

[ "2.7", "99.4", "99.2", "due", "addition", "Mercer", "Insurance", "Group", "'s", "investment", "portfolio" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, -100, 0, 0, 0, 0, 1, 0, 0, 0, 1, 0, -100, 0, 0, -100, 0, 0, 0, 0, 0, 0, -100, -100, 0, -100, 0, 0, 0, 0, 0, 0, -100, 1, 0, 0, -100, -100, 0, -100, 0, 0, 1, 0, 0, 1, -100, 1, 1, 1, 1, 1, 1, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p116_s1

101199_11_item7_p116_s1

Mortgage-backed securities and collateralized mo rtgage obligations may be subject to prepayment risk and are therefore not categorized by contractual maturity.

Asset-backed securities, mortgage-backed securities and collateralized mortgage obligations may be subject to prepayment risk and are therefore not categorized by contractual maturity.

2

[ "<tag1>", "Mortgage", "-", "backed", "securities", "and", "collateralized", "mo", "rtgage", "obligations", "may", "be", "subject", "to", "prepayment", "risk", "and", "are", "therefore", "not", "categorized", "by", "contractual", "maturity", ".", "<tag2>", "Asset", "-", "backed", "securities", ",", "mortgage", "-", "backed", "securities", "and", "collateralized", "mortgage", "obligations", "may", "be", "subject", "to", "prepayment", "risk", "and", "are", "therefore", "not", "categorized", "by", "contractual", "maturity", ".", "<tag3>" ]

[ "Mortgage", "-", "backed", "securities", "and", "collateralized", "mo", "rtgage", "obligations", "may", "be", "subject", "to", "prepayment", "risk", "and", "are", "therefore", "not", "categorized", "by", "contractual", "maturity", "." ]

[ "Asset", "-", "backed", "securities", ",", "mortgage", "-", "backed", "securities", "and", "collateralized", "mortgage", "obligations", "may", "be", "subject", "to", "prepayment", "risk", "and", "are", "therefore", "not", "categorized", "by", "contractual", "maturity", "." ]

[]

[ "Asset", "mortgage", "mortgage" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 0, -100, 0, 0, 1, 0, 0, -100, -100, 0, 1, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p119_s1

101199_11_item7_p116_s1

Mortgage-backed securities and collateralized mo rtgage obligations may be subject to prepayment risk and are therefore not categorized by contractual maturity.

Asset-backed securities, mortgage-backed securities and collateralized mortgage obligations may be subject to prepayment risk and are therefore not categorized by contractual maturity.

2

[ "<tag1>", "Mortgage", "-", "backed", "securities", "and", "collateralized", "mo", "rtgage", "obligations", "may", "be", "subject", "to", "prepayment", "risk", "and", "are", "therefore", "not", "categorized", "by", "contractual", "maturity", ".", "<tag2>", "Asset", "-", "backed", "securities", ",", "mortgage", "-", "backed", "securities", "and", "collateralized", "mortgage", "obligations", "may", "be", "subject", "to", "prepayment", "risk", "and", "are", "therefore", "not", "categorized", "by", "contractual", "maturity", ".", "<tag3>" ]

[ "Mortgage", "-", "backed", "securities", "and", "collateralized", "mo", "rtgage", "obligations", "may", "be", "subject", "to", "prepayment", "risk", "and", "are", "therefore", "not", "categorized", "by", "contractual", "maturity", "." ]

[ "Asset", "-", "backed", "securities", ",", "mortgage", "-", "backed", "securities", "and", "collateralized", "mortgage", "obligations", "may", "be", "subject", "to", "prepayment", "risk", "and", "are", "therefore", "not", "categorized", "by", "contractual", "maturity", "." ]

[]

[ "Asset", "mortgage", "mortgage" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 0, -100, -100, 0, 1, -100, 0, -100, 0, 0, 1, 0, -100, 0, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p121_s3

101199_11_item7_p118_s0

NM = not meaningful Net Investment Income In 2010 , our investment income, net of investment expenses, increased $5.6 million to $111.7 million as compared to the same period in 2009 .

In 2010 , our investment income, net of investment expenses, increased $5.6 million to $111.7 million as compared to 2009 .

2

[ "<tag1>", "NM", "=", "not", "meaningful", "Net", "Investment", "Income", "In", "2010", ",", "our", "investment", "income", ",", "net", "of", "investment", "expenses", ",", "increased", "$", "5.6", "million", "to", "$", "111.7", "million", "as", "compared", "to", "the", "same", "period", "in", "2009", ".", "<tag2>", "In", "2010", ",", "our", "investment", "income", ",", "net", "of", "investment", "expenses", ",", "increased", "$", "5.6", "million", "to", "$", "111.7", "million", "as", "compared", "to", "2009", ".", "<tag3>" ]

[ "NM", "=", "not", "meaningful", "Net", "Investment", "Income", "In", "2010", ",", "our", "investment", "income", ",", "net", "of", "investment", "expenses", ",", "increased", "$", "5.6", "million", "to", "$", "111.7", "million", "as", "compared", "to", "the", "same", "period", "in", "2009", "." ]

[ "In", "2010", ",", "our", "investment", "income", ",", "net", "of", "investment", "expenses", ",", "increased", "$", "5.6", "million", "to", "$", "111.7", "million", "as", "compared", "to", "2009", "." ]

[]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p133_s1

101199_11_item7_p129_s0

Our primary mark et risk exposure is to changes in interest rates.

Our primary market risk exposure is to changes in interest rates.

2

[ "<tag1>", "Our", "primary", "mark", "et", "risk", "exposure", "is", "to", "changes", "in", "interest", "rates", ".", "<tag2>", "Our", "primary", "market", "risk", "exposure", "is", "to", "changes", "in", "interest", "rates", ".", "<tag3>" ]

[ "Our", "primary", "mark", "et", "risk", "exposure", "is", "to", "changes", "in", "interest", "rates", "." ]

[ "Our", "primary", "market", "risk", "exposure", "is", "to", "changes", "in", "interest", "rates", "." ]

[]

[ "market" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 1, -100, 0, -100, -100, -100, -100, -100, 0, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p132_s1

101199_11_item7_p131_s0

Market Risk and Duration The active management of market risk is integral to our operations.

The active management of market risk is integral to our operations.

2

[ "<tag1>", "Market", "Risk", "and", "Duration", "The", "active", "management", "of", "market", "risk", "is", "integral", "to", "our", "operations", ".", "<tag2>", "The", "active", "management", "of", "market", "risk", "is", "integral", "to", "our", "operations", ".", "<tag3>" ]

[ "Market", "Risk", "and", "Duration", "The", "active", "management", "of", "market", "risk", "is", "integral", "to", "our", "operations", "." ]

[ "The", "active", "management", "of", "market", "risk", "is", "integral", "to", "our", "operations", "." ]

[]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p135_s0

101199_11_item7_p131_s1

We analyze potential changes in the value of our investment portfolio due to the market risk factors noted ab ove within the overall context of asset and liability management.

Market Risk and Duration We analyze potential changes in the value of our investment portfolio due to the market risk factors noted above within the overall context of asset and liability management.

2

[ "<tag1>", "We", "analyze", "potential", "changes", "in", "the", "value", "of", "our", "investment", "portfolio", "due", "to", "the", "market", "risk", "factors", "noted", "ab", "ove", "within", "the", "overall", "context", "of", "asset", "and", "liability", "management", ".", "<tag2>", "Market", "Risk", "and", "Duration", "We", "analyze", "potential", "changes", "in", "the", "value", "of", "our", "investment", "portfolio", "due", "to", "the", "market", "risk", "factors", "noted", "above", "within", "the", "overall", "context", "of", "asset", "and", "liability", "management", ".", "<tag3>" ]

[ "We", "analyze", "potential", "changes", "in", "the", "value", "of", "our", "investment", "portfolio", "due", "to", "the", "market", "risk", "factors", "noted", "ab", "ove", "within", "the", "overall", "context", "of", "asset", "and", "liability", "management", "." ]

[ "Market", "Risk", "and", "Duration", "We", "analyze", "potential", "changes", "in", "the", "value", "of", "our", "investment", "portfolio", "due", "to", "the", "market", "risk", "factors", "noted", "above", "within", "the", "overall", "context", "of", "asset", "and", "liability", "management", "." ]

[]

[ "Market", "Risk", "Duration" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 1, -100, 1, -100, -100, -100, 0, -100, 0, -100, 0, 0, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, -100, 0, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p151_s0

101199_11_item7_p144_s2

The timing and amount of reinsurance recoveries may be affected by reinsurer solvency and reinsurance cove rage disputes.

The timing and amount of reinsurance recoveries may be affected by reinsurer solvency and reinsurance coverage disputes.

2

[ "<tag1>", "The", "timing", "and", "amount", "of", "reinsurance", "recoveries", "may", "be", "affected", "by", "reinsurer", "solvency", "and", "reinsurance", "cove", "rage", "disputes", ".", "<tag2>", "The", "timing", "and", "amount", "of", "reinsurance", "recoveries", "may", "be", "affected", "by", "reinsurer", "solvency", "and", "reinsurance", "coverage", "disputes", ".", "<tag3>" ]

[ "The", "timing", "and", "amount", "of", "reinsurance", "recoveries", "may", "be", "affected", "by", "reinsurer", "solvency", "and", "reinsurance", "cove", "rage", "disputes", "." ]

[ "The", "timing", "and", "amount", "of", "reinsurance", "recoveries", "may", "be", "affected", "by", "reinsurer", "solvency", "and", "reinsurance", "coverage", "disputes", "." ]

[]

[ "coverage" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, 0, -100, 1, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p161_s3

101199_11_item7_p153_s10

Dividend payments by the insurance subsidiaries to United Fire are subject to similar restrictions in the states in which they are domiciled.

Dividend payments by the other insurance subsidiaries in the holding company system are subject to similar restrictions in the states in which they are domiciled.

2

[ "<tag1>", "Dividend", "payments", "by", "the", "insurance", "subsidiaries", "to", "United", "Fire", "are", "subject", "to", "similar", "restrictions", "in", "the", "states", "in", "which", "they", "are", "domiciled", ".", "<tag2>", "Dividend", "payments", "by", "the", "other", "insurance", "subsidiaries", "in", "the", "holding", "company", "system", "are", "subject", "to", "similar", "restrictions", "in", "the", "states", "in", "which", "they", "are", "domiciled", ".", "<tag3>" ]

[ "Dividend", "payments", "by", "the", "insurance", "subsidiaries", "to", "United", "Fire", "are", "subject", "to", "similar", "restrictions", "in", "the", "states", "in", "which", "they", "are", "domiciled", "." ]

[ "Dividend", "payments", "by", "the", "other", "insurance", "subsidiaries", "in", "the", "holding", "company", "system", "are", "subject", "to", "similar", "restrictions", "in", "the", "states", "in", "which", "they", "are", "domiciled", "." ]

[]

[ "holding", "company", "system" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, 0, -100, 0, 0, -100, 0, 0, 1, 1, 1, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, 0, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p161_s1

101199_11_item7_p153_s7

Furthermore, under Iowa law we may pay dividends only if after giving effect to the payment we are either able to pay our debts as they become due in the normal course of business or our total assets would be equal to or more than the sum of our total liabilities.

Furthermore, under Iowa law United Fire Casualty Company may pay dividends only if after giving effect to the payment either that the company is able to pay our debts as they become due in the normal course of business or our total assets would be equal to or more than the sum of our total liabilities.

2

[ "<tag1>", "Furthermore", ",", "under", "Iowa", "law", "we", "may", "pay", "dividends", "only", "if", "after", "giving", "effect", "to", "the", "payment", "we", "are", "either", "able", "to", "pay", "our", "debts", "as", "they", "become", "due", "in", "the", "normal", "course", "of", "business", "or", "our", "total", "assets", "would", "be", "equal", "to", "or", "more", "than", "the", "sum", "of", "our", "total", "liabilities", ".", "<tag2>", "Furthermore", ",", "under", "Iowa", "law", "United", "Fire", "Casualty", "Company", "may", "pay", "dividends", "only", "if", "after", "giving", "effect", "to", "the", "payment", "either", "that", "the", "company", "is", "able", "to", "pay", "our", "debts", "as", "they", "become", "due", "in", "the", "normal", "course", "of", "business", "or", "our", "total", "assets", "would", "be", "equal", "to", "or", "more", "than", "the", "sum", "of", "our", "total", "liabilities", ".", "<tag3>" ]

[ "Furthermore", ",", "under", "Iowa", "law", "we", "may", "pay", "dividends", "only", "if", "after", "giving", "effect", "to", "the", "payment", "we", "are", "either", "able", "to", "pay", "our", "debts", "as", "they", "become", "due", "in", "the", "normal", "course", "of", "business", "or", "our", "total", "assets", "would", "be", "equal", "to", "or", "more", "than", "the", "sum", "of", "our", "total", "liabilities", "." ]

[ "Furthermore", ",", "under", "Iowa", "law", "United", "Fire", "Casualty", "Company", "may", "pay", "dividends", "only", "if", "after", "giving", "effect", "to", "the", "payment", "either", "that", "the", "company", "is", "able", "to", "pay", "our", "debts", "as", "they", "become", "due", "in", "the", "normal", "course", "of", "business", "or", "our", "total", "assets", "would", "be", "equal", "to", "or", "more", "than", "the", "sum", "of", "our", "total", "liabilities", "." ]

[]

[ "United", "Fire", "Casualty", "Company", "company" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 0, -100, -100, 1, 1, 1, 1, -100, -100, 0, 0, -100, -100, -100, -100, -100, 0, 0, -100, 0, -100, 1, 0, -100, -100, 0, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, 0, -100, -100, -100, -100, -100, 0, -100, -100, -100, 0, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p170_s4

101199_11_item7_p162_s0

based on the assumption that the holders of our annuities and life insurance policies will withdraw their account balances from our company upon the expiration of their contracts.

Additionally, the projected payments are based on the assumption that the holders of our annuities and life insurance policies will withdraw their account balances upon the expiration of their contracts.

2

[ "<tag1>", "based", "on", "the", "assumption", "that", "the", "holders", "of", "our", "annuities", "and", "life", "insurance", "policies", "will", "withdraw", "their", "account", "balances", "from", "our", "company", "upon", "the", "expiration", "of", "their", "contracts", ".", "<tag2>", "Additionally", ",", "the", "projected", "payments", "are", "based", "on", "the", "assumption", "that", "the", "holders", "of", "our", "annuities", "and", "life", "insurance", "policies", "will", "withdraw", "their", "account", "balances", "upon", "the", "expiration", "of", "their", "contracts", ".", "<tag3>" ]

[ "based", "on", "the", "assumption", "that", "the", "holders", "of", "our", "annuities", "and", "life", "insurance", "policies", "will", "withdraw", "their", "account", "balances", "from", "our", "company", "upon", "the", "expiration", "of", "their", "contracts", "." ]

[ "Additionally", ",", "the", "projected", "payments", "are", "based", "on", "the", "assumption", "that", "the", "holders", "of", "our", "annuities", "and", "life", "insurance", "policies", "will", "withdraw", "their", "account", "balances", "upon", "the", "expiration", "of", "their", "contracts", "." ]

[]

[ "Additionally", "projected", "payments" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 0, -100, 1, 1, 0, -100, 0, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, 0, -100, 0, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p183_s4

101199_11_item7_p171_s0

We record mortgage loans at amortized cost and policy loans at the outstanding loan amount due from policyholders.

We record mortgage loans at their unpaid principal balance and policy loans at the outstanding loan amount due from policyholders.

2

[ "<tag1>", "We", "record", "mortgage", "loans", "at", "amortized", "cost", "and", "policy", "loans", "at", "the", "outstanding", "loan", "amount", "due", "from", "policyholders", ".", "<tag2>", "We", "record", "mortgage", "loans", "at", "their", "unpaid", "principal", "balance", "and", "policy", "loans", "at", "the", "outstanding", "loan", "amount", "due", "from", "policyholders", ".", "<tag3>" ]

[ "We", "record", "mortgage", "loans", "at", "amortized", "cost", "and", "policy", "loans", "at", "the", "outstanding", "loan", "amount", "due", "from", "policyholders", "." ]

[ "We", "record", "mortgage", "loans", "at", "their", "unpaid", "principal", "balance", "and", "policy", "loans", "at", "the", "outstanding", "loan", "amount", "due", "from", "policyholders", "." ]

[]

[ "unpaid", "principal", "balance" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 0, -100, 1, 1, 1, 0, -100, 0, 0, -100, 0, 0, -100, 0, 0, 0, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p202_s0

101199_11_item7_p189_s2

The remaining $1.5 million in disposals relates to the receipt of principal on calls or sink fund bonds, in accordance with the indentures.

The reported disposals relate to the receipt of principal on calls or sinking fund bonds, in accordance with the indentures.

2

[ "<tag1>", "The", "remaining", "$", "1.5", "million", "in", "disposals", "relates", "to", "the", "receipt", "of", "principal", "on", "calls", "or", "sink", "fund", "bonds", ",", "in", "accordance", "with", "the", "indentures", ".", "<tag2>", "The", "reported", "disposals", "relate", "to", "the", "receipt", "of", "principal", "on", "calls", "or", "sinking", "fund", "bonds", ",", "in", "accordance", "with", "the", "indentures", ".", "<tag3>" ]

[ "The", "remaining", "$", "1.5", "million", "in", "disposals", "relates", "to", "the", "receipt", "of", "principal", "on", "calls", "or", "sink", "fund", "bonds", ",", "in", "accordance", "with", "the", "indentures", "." ]

[ "The", "reported", "disposals", "relate", "to", "the", "receipt", "of", "principal", "on", "calls", "or", "sinking", "fund", "bonds", ",", "in", "accordance", "with", "the", "indentures", "." ]

[]

[ "reported", "relate", "sinking" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 0, 1, 0, 0, -100, 0, 0, -100, -100, -100, 1, -100, 0, -100, -100, 0, -100, 0, -100, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p103_s1

101199_11_item7_p18_s0

life insurance, which includes deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.

Our principal life insurance products are deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.

2

[ "<tag1>", "life", "insurance", ",", "which", "includes", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", ".", "<tag2>", "Our", "principal", "life", "insurance", "products", "are", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", ".", "<tag3>" ]

[ "life", "insurance", ",", "which", "includes", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", "." ]

[ "Our", "principal", "life", "insurance", "products", "are", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", "." ]

[]

[ "principal" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 0, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p209_s7

101199_11_item7_p194_s7

Our ration ale for not recording OTTI charges on these securities is discussed in Part II, Item 8, Note 2 Summary of Investments.

Our rationale for not recording OTTI charges on these securities is discussed in Part II, Item 8, Note 2 Summary of Investments.

2

[ "<tag1>", "Our", "ration", "ale", "for", "not", "recording", "OTTI", "charges", "on", "these", "securities", "is", "discussed", "in", "Part", "II", ",", "Item", "8", ",", "Note", "2", "Summary", "of", "Investments", ".", "<tag2>", "Our", "rationale", "for", "not", "recording", "OTTI", "charges", "on", "these", "securities", "is", "discussed", "in", "Part", "II", ",", "Item", "8", ",", "Note", "2", "Summary", "of", "Investments", ".", "<tag3>" ]

[ "Our", "ration", "ale", "for", "not", "recording", "OTTI", "charges", "on", "these", "securities", "is", "discussed", "in", "Part", "II", ",", "Item", "8", ",", "Note", "2", "Summary", "of", "Investments", "." ]

[ "Our", "rationale", "for", "not", "recording", "OTTI", "charges", "on", "these", "securities", "is", "discussed", "in", "Part", "II", ",", "Item", "8", ",", "Note", "2", "Summary", "of", "Investments", "." ]

[]

[ "rationale" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p213_s2

101199_11_item7_p198_s1

This is the only assumption we utilize in our calculation.

This is the only assumption process we utilize in our calculation.

2

[ "<tag1>", "This", "is", "the", "only", "assumption", "we", "utilize", "in", "our", "calculation", ".", "<tag2>", "This", "is", "the", "only", "assumption", "process", "we", "utilize", "in", "our", "calculation", ".", "<tag3>" ]

[ "This", "is", "the", "only", "assumption", "we", "utilize", "in", "our", "calculation", "." ]

[ "This", "is", "the", "only", "assumption", "process", "we", "utilize", "in", "our", "calculation", "." ]

[]

[ "process" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, -100, -100, 1, -100, -100, -100, 0, 0, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p216_s0

101199_11_item7_p202_s0

Deferred Policy Acquisition Costs Life Insurance Segment Costs that vary with and relate to the acquisition of life insurance and annuity business are deferred and recorded as a DAC asset.

Deferred Policy Acquisition Costs Life Insurance Segment Costs that vary with and relate to the acquisition of life insurance and annuity business are deferred.

2

[ "<tag1>", "Deferred", "Policy", "Acquisition", "Costs", "Life", "Insurance", "Segment", "Costs", "that", "vary", "with", "and", "relate", "to", "the", "acquisition", "of", "life", "insurance", "and", "annuity", "business", "are", "deferred", "and", "recorded", "as", "a", "DAC", "asset", ".", "<tag2>", "Deferred", "Policy", "Acquisition", "Costs", "Life", "Insurance", "Segment", "Costs", "that", "vary", "with", "and", "relate", "to", "the", "acquisition", "of", "life", "insurance", "and", "annuity", "business", "are", "deferred", ".", "<tag3>" ]

[ "Deferred", "Policy", "Acquisition", "Costs", "Life", "Insurance", "Segment", "Costs", "that", "vary", "with", "and", "relate", "to", "the", "acquisition", "of", "life", "insurance", "and", "annuity", "business", "are", "deferred", "and", "recorded", "as", "a", "DAC", "asset", "." ]

[ "Deferred", "Policy", "Acquisition", "Costs", "Life", "Insurance", "Segment", "Costs", "that", "vary", "with", "and", "relate", "to", "the", "acquisition", "of", "life", "insurance", "and", "annuity", "business", "are", "deferred", "." ]

[]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p218_s0

101199_11_item7_p204_s0

The ma jority of the DAC asset relates to our universal life and annuity contracts, hereafter referred to as non-traditional business.

The majority of the DAC asset relates to our universal life and annuity contracts, hereafter referred to as non-traditional business.

2

[ "<tag1>", "The", "ma", "jority", "of", "the", "DAC", "asset", "relates", "to", "our", "universal", "life", "and", "annuity", "contracts", ",", "hereafter", "referred", "to", "as", "non", "-", "traditional", "business", ".", "<tag2>", "The", "majority", "of", "the", "DAC", "asset", "relates", "to", "our", "universal", "life", "and", "annuity", "contracts", ",", "hereafter", "referred", "to", "as", "non", "-", "traditional", "business", ".", "<tag3>" ]

[ "The", "ma", "jority", "of", "the", "DAC", "asset", "relates", "to", "our", "universal", "life", "and", "annuity", "contracts", ",", "hereafter", "referred", "to", "as", "non", "-", "traditional", "business", "." ]

[ "The", "majority", "of", "the", "DAC", "asset", "relates", "to", "our", "universal", "life", "and", "annuity", "contracts", ",", "hereafter", "referred", "to", "as", "non", "-", "traditional", "business", "." ]

[]

[ "majority" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, -100, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p222_s2

101199_11_item7_p208_s2

The entire impact of the changes illustrated would be recogni zed through operations as an increase or decrease to amortization expense.

The entire impact of the changes illustrated would be recognized through operations as an increase or decrease to amortization expense.

2

[ "<tag1>", "The", "entire", "impact", "of", "the", "changes", "illustrated", "would", "be", "recogni", "zed", "through", "operations", "as", "an", "increase", "or", "decrease", "to", "amortization", "expense", ".", "<tag2>", "The", "entire", "impact", "of", "the", "changes", "illustrated", "would", "be", "recognized", "through", "operations", "as", "an", "increase", "or", "decrease", "to", "amortization", "expense", ".", "<tag3>" ]

[ "The", "entire", "impact", "of", "the", "changes", "illustrated", "would", "be", "recogni", "zed", "through", "operations", "as", "an", "increase", "or", "decrease", "to", "amortization", "expense", "." ]

[ "The", "entire", "impact", "of", "the", "changes", "illustrated", "would", "be", "recognized", "through", "operations", "as", "an", "increase", "or", "decrease", "to", "amortization", "expense", "." ]

[]

[ "recognized" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, 0, -100, -100, -100, -100, -100, 1, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p229_s0

101199_11_item7_p213_s0

Most of our insurance policies are writ ten on an occurrence basis that provides coverage if a loss occurs in the policy period, even if the insured reports the loss many years later.

Most of our insurance policies are written on an occurrence basis that provides coverage if a loss occurs in the policy period, even if the insured reports the loss many years later.

2

[ "<tag1>", "Most", "of", "our", "insurance", "policies", "are", "writ", "ten", "on", "an", "occurrence", "basis", "that", "provides", "coverage", "if", "a", "loss", "occurs", "in", "the", "policy", "period", ",", "even", "if", "the", "insured", "reports", "the", "loss", "many", "years", "later", ".", "<tag2>", "Most", "of", "our", "insurance", "policies", "are", "written", "on", "an", "occurrence", "basis", "that", "provides", "coverage", "if", "a", "loss", "occurs", "in", "the", "policy", "period", ",", "even", "if", "the", "insured", "reports", "the", "loss", "many", "years", "later", ".", "<tag3>" ]

[ "Most", "of", "our", "insurance", "policies", "are", "writ", "ten", "on", "an", "occurrence", "basis", "that", "provides", "coverage", "if", "a", "loss", "occurs", "in", "the", "policy", "period", ",", "even", "if", "the", "insured", "reports", "the", "loss", "many", "years", "later", "." ]

[ "Most", "of", "our", "insurance", "policies", "are", "written", "on", "an", "occurrence", "basis", "that", "provides", "coverage", "if", "a", "loss", "occurs", "in", "the", "policy", "period", ",", "even", "if", "the", "insured", "reports", "the", "loss", "many", "years", "later", "." ]

[]

[ "written" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, 1, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p233_s2

101199_11_item7_p216_s1

A short-tail insurance product is one where ultimate losses are known and settled comparatively quickly; ultimate losses under a long-tail insurance product are sometimes not known and settled for many years.

Ultimate losses under a long-tail insurance product are sometimes not known and settled for many years.

2

[ "<tag1>", "A", "short", "-", "tail", "insurance", "product", "is", "one", "where", "ultimate", "losses", "are", "known", "and", "settled", "comparatively", "quickly", ";", "ultimate", "losses", "under", "a", "long", "-", "tail", "insurance", "product", "are", "sometimes", "not", "known", "and", "settled", "for", "many", "years", ".", "<tag2>", "Ultimate", "losses", "under", "a", "long", "-", "tail", "insurance", "product", "are", "sometimes", "not", "known", "and", "settled", "for", "many", "years", ".", "<tag3>" ]

[ "A", "short", "-", "tail", "insurance", "product", "is", "one", "where", "ultimate", "losses", "are", "known", "and", "settled", "comparatively", "quickly", ";", "ultimate", "losses", "under", "a", "long", "-", "tail", "insurance", "product", "are", "sometimes", "not", "known", "and", "settled", "for", "many", "years", "." ]

[ "Ultimate", "losses", "under", "a", "long", "-", "tail", "insurance", "product", "are", "sometimes", "not", "known", "and", "settled", "for", "many", "years", "." ]

[]

[ "Ultimate" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, -100, -100, 0, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p236_s3

101199_11_item7_p218_s7

Examples of facts that become known that could cause us to change our case-based rese rves include, but are not limited to: evidence that loss severity is different than previously assessed; new claimants who have presented claims; and the assessment that no coverage exists.

Examples of facts that become known that could cause us to change our case-based reserves include, but are not limited to: evidence that loss severity is different than previously assessed; new claimants who have presented claims; and the assessment that no coverage exists.

2

[ "<tag1>", "Examples", "of", "facts", "that", "become", "known", "that", "could", "cause", "us", "to", "change", "our", "case", "-", "based", "rese", "rves", "include", ",", "but", "are", "not", "limited", "to", ":", "evidence", "that", "loss", "severity", "is", "different", "than", "previously", "assessed", ";", "new", "claimants", "who", "have", "presented", "claims", ";", "and", "the", "assessment", "that", "no", "coverage", "exists", ".", "<tag2>", "Examples", "of", "facts", "that", "become", "known", "that", "could", "cause", "us", "to", "change", "our", "case", "-", "based", "reserves", "include", ",", "but", "are", "not", "limited", "to", ":", "evidence", "that", "loss", "severity", "is", "different", "than", "previously", "assessed", ";", "new", "claimants", "who", "have", "presented", "claims", ";", "and", "the", "assessment", "that", "no", "coverage", "exists", ".", "<tag3>" ]

[ "Examples", "of", "facts", "that", "become", "known", "that", "could", "cause", "us", "to", "change", "our", "case", "-", "based", "rese", "rves", "include", ",", "but", "are", "not", "limited", "to", ":", "evidence", "that", "loss", "severity", "is", "different", "than", "previously", "assessed", ";", "new", "claimants", "who", "have", "presented", "claims", ";", "and", "the", "assessment", "that", "no", "coverage", "exists", "." ]

[ "Examples", "of", "facts", "that", "become", "known", "that", "could", "cause", "us", "to", "change", "our", "case", "-", "based", "reserves", "include", ",", "but", "are", "not", "limited", "to", ":", "evidence", "that", "loss", "severity", "is", "different", "than", "previously", "assessed", ";", "new", "claimants", "who", "have", "presented", "claims", ";", "and", "the", "assessment", "that", "no", "coverage", "exists", "." ]

[]

[ "reserves" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p238_s4

101199_11_item7_p220_s1

This is because claims are generally reported and settled shortly after the loss occurs.

As these claims are generally reported and settled shortly after the loss occurs.

2

[ "<tag1>", "This", "is", "because", "claims", "are", "generally", "reported", "and", "settled", "shortly", "after", "the", "loss", "occurs", ".", "<tag2>", "As", "these", "claims", "are", "generally", "reported", "and", "settled", "shortly", "after", "the", "loss", "occurs", ".", "<tag3>" ]

[ "This", "is", "because", "claims", "are", "generally", "reported", "and", "settled", "shortly", "after", "the", "loss", "occurs", "." ]

[ "As", "these", "claims", "are", "generally", "reported", "and", "settled", "shortly", "after", "the", "loss", "occurs", "." ]

[]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p241_s0

101199_11_item7_p224_s0

The company s historical ratio of loss settlement expenses ( LAE ) paid to losses paid is consistent and will continue to be consistent.

The Company s historical ratio of loss settlement expenses paid to losses paid is consistent and will continue to be consistent.

2

[ "<tag1>", "The", "company", "s", "historical", "ratio", "of", "loss", "settlement", "expenses", "(", "LAE", ")", "paid", "to", "losses", "paid", "is", "consistent", "and", "will", "continue", "to", "be", "consistent", ".", "<tag2>", "The", "Company", "s", "historical", "ratio", "of", "loss", "settlement", "expenses", "paid", "to", "losses", "paid", "is", "consistent", "and", "will", "continue", "to", "be", "consistent", ".", "<tag3>" ]

[ "The", "company", "s", "historical", "ratio", "of", "loss", "settlement", "expenses", "(", "LAE", ")", "paid", "to", "losses", "paid", "is", "consistent", "and", "will", "continue", "to", "be", "consistent", "." ]

[ "The", "Company", "s", "historical", "ratio", "of", "loss", "settlement", "expenses", "paid", "to", "losses", "paid", "is", "consistent", "and", "will", "continue", "to", "be", "consistent", "." ]

[]

[ "Company" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p243_s0

101199_11_item7_p225_s2

If necessary, management makes changes not only in the estimates derived from the use of these assumptions, but also in the assumptions themselves.

in the estimates derived from the use of these assumptions, but also in the assumptions themselves.

2

[ "<tag1>", "If", "necessary", ",", "management", "makes", "changes", "not", "only", "in", "the", "estimates", "derived", "from", "the", "use", "of", "these", "assumptions", ",", "but", "also", "in", "the", "assumptions", "themselves", ".", "<tag2>", "in", "the", "estimates", "derived", "from", "the", "use", "of", "these", "assumptions", ",", "but", "also", "in", "the", "assumptions", "themselves", ".", "<tag3>" ]

[ "If", "necessary", ",", "management", "makes", "changes", "not", "only", "in", "the", "estimates", "derived", "from", "the", "use", "of", "these", "assumptions", ",", "but", "also", "in", "the", "assumptions", "themselves", "." ]

[ "in", "the", "estimates", "derived", "from", "the", "use", "of", "these", "assumptions", ",", "but", "also", "in", "the", "assumptions", "themselves", "." ]

[]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p248_s0

101199_11_item7_p230_s0

expenses covered by liability policies and can be significant, sometimes greater than the cost of the actual paid claims.

Defense costs are also a part of the insured expenses covered by liability policies and can be significant, sometimes greater than the cost of the actual paid claims.

2

[ "<tag1>", "expenses", "covered", "by", "liability", "policies", "and", "can", "be", "significant", ",", "sometimes", "greater", "than", "the", "cost", "of", "the", "actual", "paid", "claims", ".", "<tag2>", "Defense", "costs", "are", "also", "a", "part", "of", "the", "insured", "expenses", "covered", "by", "liability", "policies", "and", "can", "be", "significant", ",", "sometimes", "greater", "than", "the", "cost", "of", "the", "actual", "paid", "claims", ".", "<tag3>" ]

[ "expenses", "covered", "by", "liability", "policies", "and", "can", "be", "significant", ",", "sometimes", "greater", "than", "the", "cost", "of", "the", "actual", "paid", "claims", "." ]

[ "Defense", "costs", "are", "also", "a", "part", "of", "the", "insured", "expenses", "covered", "by", "liability", "policies", "and", "can", "be", "significant", ",", "sometimes", "greater", "than", "the", "cost", "of", "the", "actual", "paid", "claims", "." ]

[]

[ "Defense", "costs", "also", "part", "insured" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 1, -100, 1, 0, 1, -100, 0, 1, 0, 0, -100, 0, 0, -100, 0, 0, 0, -100, 0, -100, -100, -100, 0, 0, 0, -100, 0, -100, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p84_s0

101199_11_item7_p230_s0

expenses covered by liability policies and can be significant, sometimes greater than the cost of the actual paid claims.

Defense costs are also a part of the insured expenses covered by liability policies and can be significant, sometimes greater than the cost of the actual paid claims.

2

[ "<tag1>", "expenses", "covered", "by", "liability", "policies", "and", "can", "be", "significant", ",", "sometimes", "greater", "than", "the", "cost", "of", "the", "actual", "paid", "claims", ".", "<tag2>", "Defense", "costs", "are", "also", "a", "part", "of", "the", "insured", "expenses", "covered", "by", "liability", "policies", "and", "can", "be", "significant", ",", "sometimes", "greater", "than", "the", "cost", "of", "the", "actual", "paid", "claims", ".", "<tag3>" ]

[ "expenses", "covered", "by", "liability", "policies", "and", "can", "be", "significant", ",", "sometimes", "greater", "than", "the", "cost", "of", "the", "actual", "paid", "claims", "." ]

[ "Defense", "costs", "are", "also", "a", "part", "of", "the", "insured", "expenses", "covered", "by", "liability", "policies", "and", "can", "be", "significant", ",", "sometimes", "greater", "than", "the", "cost", "of", "the", "actual", "paid", "claims", "." ]

[]

[ "Defense", "costs", "also", "part", "insured" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 1, 0, 1, -100, 1, 0, 0, 1, -100, -100, 0, -100, 0, 0, 0, 0, -100, 0, 0, -100, -100, 0, 0, -100, 0, 0, 0, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p83_s0

101199_11_item7_p234_s0

Construction defect is a liability allegation relating to defective work performed in the construction of structures such as commercial buildings, apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.

Construction defect claims generally relate to allegedly defective work performed in the construction of structures such as apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.

2

[ "<tag1>", "Construction", "defect", "is", "a", "liability", "allegation", "relating", "to", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "commercial", "buildings", ",", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", ".", "<tag2>", "Construction", "defect", "claims", "generally", "relate", "to", "allegedly", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", ".", "<tag3>" ]

[ "Construction", "defect", "is", "a", "liability", "allegation", "relating", "to", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "commercial", "buildings", ",", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", "." ]

[ "Construction", "defect", "claims", "generally", "relate", "to", "allegedly", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", "." ]

[]

[ "claims", "generally", "relate", "allegedly" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 1, 1, 1, -100, 1, 0, -100, -100, 0, -100, -100, 0, 0, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, 0, 0, -100, -100, -100, 0, -100, -100, 0, 0, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p251_s8

101199_11_item7_p234_s6

Claims have also emerged from parties claiming additional insured status on p olicies issued to other parties, such as contractors seeking coverage from a subcontractor s policy.

Claims have also emerged from parties claiming additional insured status on policies issued to other parties, such as contractors seeking coverage from a subcontractor s policy.

2

[ "<tag1>", "Claims", "have", "also", "emerged", "from", "parties", "claiming", "additional", "insured", "status", "on", "p", "olicies", "issued", "to", "other", "parties", ",", "such", "as", "contractors", "seeking", "coverage", "from", "a", "subcontractor", "s", "policy", ".", "<tag2>", "Claims", "have", "also", "emerged", "from", "parties", "claiming", "additional", "insured", "status", "on", "policies", "issued", "to", "other", "parties", ",", "such", "as", "contractors", "seeking", "coverage", "from", "a", "subcontractor", "s", "policy", ".", "<tag3>" ]

[ "Claims", "have", "also", "emerged", "from", "parties", "claiming", "additional", "insured", "status", "on", "p", "olicies", "issued", "to", "other", "parties", ",", "such", "as", "contractors", "seeking", "coverage", "from", "a", "subcontractor", "s", "policy", "." ]

[ "Claims", "have", "also", "emerged", "from", "parties", "claiming", "additional", "insured", "status", "on", "policies", "issued", "to", "other", "parties", ",", "such", "as", "contractors", "seeking", "coverage", "from", "a", "subcontractor", "s", "policy", "." ]

[]

[ "policies" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 1, -100, -100, -100, -100, -100, 0, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p252_s0

101199_11_item7_p235_s0

In recent years, we have implemented various underwriting measures that we anticipate will mitigate the amount of construction defect losses experienced.

that we anticipate will mitigate the amount of construction defect losses experienced.

2

[ "<tag1>", "In", "recent", "years", ",", "we", "have", "implemented", "various", "underwriting", "measures", "that", "we", "anticipate", "will", "mitigate", "the", "amount", "of", "construction", "defect", "losses", "experienced", ".", "<tag2>", "that", "we", "anticipate", "will", "mitigate", "the", "amount", "of", "construction", "defect", "losses", "experienced", ".", "<tag3>" ]

[ "In", "recent", "years", ",", "we", "have", "implemented", "various", "underwriting", "measures", "that", "we", "anticipate", "will", "mitigate", "the", "amount", "of", "construction", "defect", "losses", "experienced", "." ]

[ "that", "we", "anticipate", "will", "mitigate", "the", "amount", "of", "construction", "defect", "losses", "experienced", "." ]

[]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p256_s3

101199_11_item7_p239_s2

Favorable development is recognized and reported in the Consolidated Financial Statements when we decrease our previous estimate of ultimate losses and loss settlement expenses, which results in an increase to net income in the period recognized.

Adverse development is recognized and reported in the Consolidated Financial Statements when we increase our previous estimate of ultimate losses and loss settlement expenses, which results in a decrease to net income.

2

[ "<tag1>", "Favorable", "development", "is", "recognized", "and", "reported", "in", "the", "Consolidated", "Financial", "Statements", "when", "we", "decrease", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "an", "increase", "to", "net", "income", "in", "the", "period", "recognized", ".", "<tag2>", "Adverse", "development", "is", "recognized", "and", "reported", "in", "the", "Consolidated", "Financial", "Statements", "when", "we", "increase", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "a", "decrease", "to", "net", "income", ".", "<tag3>" ]

[ "Favorable", "development", "is", "recognized", "and", "reported", "in", "the", "Consolidated", "Financial", "Statements", "when", "we", "decrease", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "an", "increase", "to", "net", "income", "in", "the", "period", "recognized", "." ]

[ "Adverse", "development", "is", "recognized", "and", "reported", "in", "the", "Consolidated", "Financial", "Statements", "when", "we", "increase", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "a", "decrease", "to", "net", "income", "." ]

[]

[ "Adverse" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p256_s2

101199_11_item7_p239_s3

Adverse development is rec ognized and reported in the Consolidated Financial Statements when we increase our previous estimate of ultimate losses and loss settlement expenses, which results in a decrease to net income.

Favorable development is recognized and reported in the Consolidated Financial Statements when we decrease our previous estimate of ultimate losses and loss settlement expenses, which results in an increase to net income in the period recognized.

2

[ "<tag1>", "Adverse", "development", "is", "rec", "ognized", "and", "reported", "in", "the", "Consolidated", "Financial", "Statements", "when", "we", "increase", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "a", "decrease", "to", "net", "income", ".", "<tag2>", "Favorable", "development", "is", "recognized", "and", "reported", "in", "the", "Consolidated", "Financial", "Statements", "when", "we", "decrease", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "an", "increase", "to", "net", "income", "in", "the", "period", "recognized", ".", "<tag3>" ]

[ "Adverse", "development", "is", "rec", "ognized", "and", "reported", "in", "the", "Consolidated", "Financial", "Statements", "when", "we", "increase", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "a", "decrease", "to", "net", "income", "." ]

[ "Favorable", "development", "is", "recognized", "and", "reported", "in", "the", "Consolidated", "Financial", "Statements", "when", "we", "decrease", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "an", "increase", "to", "net", "income", "in", "the", "period", "recognized", "." ]

[]

[ "Favorable", "recognized", "period", "recognized" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 0, 0, 1, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, 0, 0, 0, 1, 1, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p265_s0

101199_11_item7_p247_s4

These deficiencies are discussed in detail under the heading Reserve Development in the Property and Casualty Insurance Segment of the Results of Operations section in this item.

Reserve development is discussed in detail under the heading Reserve Development in the Property and Casualty Insurance Segment of the Results of Operations section in this item.

2

[ "<tag1>", "These", "deficiencies", "are", "discussed", "in", "detail", "under", "the", "heading", "Reserve", "Development", "in", "the", "Property", "and", "Casualty", "Insurance", "Segment", "of", "the", "Results", "of", "Operations", "section", "in", "this", "item", ".", "<tag2>", "Reserve", "development", "is", "discussed", "in", "detail", "under", "the", "heading", "Reserve", "Development", "in", "the", "Property", "and", "Casualty", "Insurance", "Segment", "of", "the", "Results", "of", "Operations", "section", "in", "this", "item", ".", "<tag3>" ]

[ "These", "deficiencies", "are", "discussed", "in", "detail", "under", "the", "heading", "Reserve", "Development", "in", "the", "Property", "and", "Casualty", "Insurance", "Segment", "of", "the", "Results", "of", "Operations", "section", "in", "this", "item", "." ]

[ "Reserve", "development", "is", "discussed", "in", "detail", "under", "the", "heading", "Reserve", "Development", "in", "the", "Property", "and", "Casualty", "Insurance", "Segment", "of", "the", "Results", "of", "Operations", "section", "in", "this", "item", "." ]

[]

[ "development" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p269_s0

101199_11_item7_p252_s0

IBNR and loss settlement expense reserves are established through various form ulae that utilize pertinent, recent company historical data.

IBNR and loss settlement expense reserves are established through various formulae that utilize pertinent, recent Company historical data.

2

[ "<tag1>", "IBNR", "and", "loss", "settlement", "expense", "reserves", "are", "established", "through", "various", "form", "ulae", "that", "utilize", "pertinent", ",", "recent", "company", "historical", "data", ".", "<tag2>", "IBNR", "and", "loss", "settlement", "expense", "reserves", "are", "established", "through", "various", "formulae", "that", "utilize", "pertinent", ",", "recent", "Company", "historical", "data", ".", "<tag3>" ]

[ "IBNR", "and", "loss", "settlement", "expense", "reserves", "are", "established", "through", "various", "form", "ulae", "that", "utilize", "pertinent", ",", "recent", "company", "historical", "data", "." ]

[ "IBNR", "and", "loss", "settlement", "expense", "reserves", "are", "established", "through", "various", "formulae", "that", "utilize", "pertinent", ",", "recent", "Company", "historical", "data", "." ]

[]

[ "formulae", "Company" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, -100, 0, 0, 0, -100, 0, 0, 1, -100, -100, -100, -100, -100, 1, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p276_s5

101199_11_item7_p259_s5

Mortality, mo rbidity and policy lapse assumptions are based on our experience.

Mortality, morbidity and policy lapse assumptions are based on our experience.

2

[ "<tag1>", "Mortality", ",", "mo", "rbidity", "and", "policy", "lapse", "assumptions", "are", "based", "on", "our", "experience", ".", "<tag2>", "Mortality", ",", "morbidity", "and", "policy", "lapse", "assumptions", "are", "based", "on", "our", "experience", ".", "<tag3>" ]

[ "Mortality", ",", "mo", "rbidity", "and", "policy", "lapse", "assumptions", "are", "based", "on", "our", "experience", "." ]

[ "Mortality", ",", "morbidity", "and", "policy", "lapse", "assumptions", "are", "based", "on", "our", "experience", "." ]

[]

[ "morbidity" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 1, -100, -100, 0, -100, -100, 0, 0, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p282_s2

101199_11_item7_p261_s0

The effects of changes in reserve estimates are reported in the results of operations in the period in which the changes are determined.

The effects of changes in our estimated reserves are included in the results of operations in the period in which the changes occur.

2

[ "<tag1>", "The", "effects", "of", "changes", "in", "reserve", "estimates", "are", "reported", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "are", "determined", ".", "<tag2>", "The", "effects", "of", "changes", "in", "our", "estimated", "reserves", "are", "included", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "occur", ".", "<tag3>" ]

[ "The", "effects", "of", "changes", "in", "reserve", "estimates", "are", "reported", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "are", "determined", "." ]

[ "The", "effects", "of", "changes", "in", "our", "estimated", "reserves", "are", "included", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "occur", "." ]

[]

[ "estimated", "reserves", "included", "occur" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, 0, 0, 0, -100, 1, 1, 0, 1, -100, -100, 0, -100, 0, 0, -100, 0, 0, -100, -100, 0, 1, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p279_s0

101199_11_item7_p264_s2

The effects of changes in our estimated reserves are included in the results of operations in the period in which the changes occur.

The effects of changes in reserve estimates are reported in the results of operations in the period in which the changes are determined.

2

[ "<tag1>", "The", "effects", "of", "changes", "in", "our", "estimated", "reserves", "are", "included", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "occur", ".", "<tag2>", "The", "effects", "of", "changes", "in", "reserve", "estimates", "are", "reported", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "are", "determined", ".", "<tag3>" ]

[ "The", "effects", "of", "changes", "in", "our", "estimated", "reserves", "are", "included", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "occur", "." ]

[ "The", "effects", "of", "changes", "in", "reserve", "estimates", "are", "reported", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "are", "determined", "." ]

[]

[ "reserve", "estimates", "reported", "determined" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, 0, 0, -100, 1, 1, -100, 1, -100, -100, 0, 0, 0, -100, 0, 0, 0, 0, -100, 0, 0, 1, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p286_s3

101199_11_item7_p268_s2

Assumption Determination Methodology Potential One-Time Effect on DAC Asset, Net of Unearned Revenue Liabilities Mortality Experience Based on our mortality experience with consideration given to industry experience and trends A 10.0% increase in expected mortality experience for all future years would result in a reduction in DAC and an increase in current period amortization expense of $3.1 million.

Surrender Rates Based on our policy surrender experience with consideration given to industry experience and trends A 10.0% increase in expected surrender rates for all future years would result in a reduction in DAC and an increase in current period amortization expense of $2.2 million.

2

[ "<tag1>", "Assumption", "Determination", "Methodology", "Potential", "One", "-", "Time", "Effect", "on", "DAC", "Asset", ",", "Net", "of", "Unearned", "Revenue", "Liabilities", "Mortality", "Experience", "Based", "on", "our", "mortality", "experience", "with", "consideration", "given", "to", "industry", "experience", "and", "trends", "A", "10.0", "%", "increase", "in", "expected", "mortality", "experience", "for", "all", "future", "years", "would", "result", "in", "a", "reduction", "in", "DAC", "and", "an", "increase", "in", "current", "period", "amortization", "expense", "of", "$", "3.1", "million", ".", "<tag2>", "Surrender", "Rates", "Based", "on", "our", "policy", "surrender", "experience", "with", "consideration", "given", "to", "industry", "experience", "and", "trends", "A", "10.0", "%", "increase", "in", "expected", "surrender", "rates", "for", "all", "future", "years", "would", "result", "in", "a", "reduction", "in", "DAC", "and", "an", "increase", "in", "current", "period", "amortization", "expense", "of", "$", "2.2", "million", ".", "<tag3>" ]

[ "Assumption", "Determination", "Methodology", "Potential", "One", "-", "Time", "Effect", "on", "DAC", "Asset", ",", "Net", "of", "Unearned", "Revenue", "Liabilities", "Mortality", "Experience", "Based", "on", "our", "mortality", "experience", "with", "consideration", "given", "to", "industry", "experience", "and", "trends", "A", "10.0", "%", "increase", "in", "expected", "mortality", "experience", "for", "all", "future", "years", "would", "result", "in", "a", "reduction", "in", "DAC", "and", "an", "increase", "in", "current", "period", "amortization", "expense", "of", "$", "3.1", "million", "." ]

[ "Surrender", "Rates", "Based", "on", "our", "policy", "surrender", "experience", "with", "consideration", "given", "to", "industry", "experience", "and", "trends", "A", "10.0", "%", "increase", "in", "expected", "surrender", "rates", "for", "all", "future", "years", "would", "result", "in", "a", "reduction", "in", "DAC", "and", "an", "increase", "in", "current", "period", "amortization", "expense", "of", "$", "2.2", "million", "." ]

[]

[ "Surrender", "Rates", "policy", "surrender", "surrender", "rates", "2.2" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 1, 0, 0, 0, 1, 1, -100, 0, -100, 0, -100, 0, -100, 0, 0, -100, 0, 0, -100, 0, 0, 1, 1, 0, 0, 0, 0, -100, -100, 0, 0, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, 1, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p33_s1

101199_11_item7_p280_s0

When prepared in accordance with GAAP, the net loss ratio is calculated by dividing the sum of losses and loss settlement expenses by net premiums earned.

When prepared in accordance with statutory accounting principles, the net loss ratio is calculated by dividing the sum of losses and loss settlement expenses by net premiums earned; the expense ratio is calculated by dividing underwriting expenses by net premiums written.

2

[ "<tag1>", "When", "prepared", "in", "accordance", "with", "GAAP", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", ".", "<tag2>", "When", "prepared", "in", "accordance", "with", "statutory", "accounting", "principles", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", ";", "the", "expense", "ratio", "is", "calculated", "by", "dividing", "underwriting", "expenses", "by", "net", "premiums", "written", ".", "<tag3>" ]

[ "When", "prepared", "in", "accordance", "with", "GAAP", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", "." ]

[ "When", "prepared", "in", "accordance", "with", "statutory", "accounting", "principles", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", ";", "the", "expense", "ratio", "is", "calculated", "by", "dividing", "underwriting", "expenses", "by", "net", "premiums", "written", "." ]

[]

[ "statutory", "accounting", "principles", "expense", "underwriting", "written" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 0, 1, 1, 1, -100, 0, -100, -100, -100, 0, -100, 0, -100, 0, 0, -100, 0, 0, -100, 0, -100, 0, -100, 0, -100, 0, 0, 1, 0, -100, -100, -100, -100, 1, 0, 0, -100, 0, 1, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p35_s0

101199_11_item7_p281_s2

According to the ISO, a catastrophe loss is defined as a single unpredictable incident or series of closely related incidents that result in $25.0 million or more in industry-wide direct insured losses to property and that affect a significant number of insureds and insurers ( ISO catastrophe ).

unpredictable incident or series of closely related incidents that result in $25.0 million or more in U.S. industry-wide direct insured losses to property and that affect a significant number of insureds and insurers ( ISO catastrophe ).

2

[ "<tag1>", "According", "to", "the", "ISO", ",", "a", "catastrophe", "loss", "is", "defined", "as", "a", "single", "unpredictable", "incident", "or", "series", "of", "closely", "related", "incidents", "that", "result", "in", "$", "25.0", "million", "or", "more", "in", "industry", "-", "wide", "direct", "insured", "losses", "to", "property", "and", "that", "affect", "a", "significant", "number", "of", "insureds", "and", "insurers", "(", "ISO", "catastrophe", ")", ".", "<tag2>", "unpredictable", "incident", "or", "series", "of", "closely", "related", "incidents", "that", "result", "in", "$", "25.0", "million", "or", "more", "in", "U.S.", "industry", "-", "wide", "direct", "insured", "losses", "to", "property", "and", "that", "affect", "a", "significant", "number", "of", "insureds", "and", "insurers", "(", "ISO", "catastrophe", ")", ".", "<tag3>" ]

[ "According", "to", "the", "ISO", ",", "a", "catastrophe", "loss", "is", "defined", "as", "a", "single", "unpredictable", "incident", "or", "series", "of", "closely", "related", "incidents", "that", "result", "in", "$", "25.0", "million", "or", "more", "in", "industry", "-", "wide", "direct", "insured", "losses", "to", "property", "and", "that", "affect", "a", "significant", "number", "of", "insureds", "and", "insurers", "(", "ISO", "catastrophe", ")", "." ]

[ "unpredictable", "incident", "or", "series", "of", "closely", "related", "incidents", "that", "result", "in", "$", "25.0", "million", "or", "more", "in", "U.S.", "industry", "-", "wide", "direct", "insured", "losses", "to", "property", "and", "that", "affect", "a", "significant", "number", "of", "insureds", "and", "insurers", "(", "ISO", "catastrophe", ")", "." ]

[]

[ "U.S." ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p102_s0

101199_11_item7_p34_s0

NM = not meaningful (1) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

(1) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

2

[ "<tag1>", "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]

[ "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[ "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[]

[ "Measurement", "Results" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, 0, 1, -100, 1, -100, 0, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p45_s1

101199_11_item7_p34_s0

NM = not meaningful (1) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

(2) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

2

[ "<tag1>", "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "(", "2", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]

[ "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[ "(", "2", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[]

[ "Measurement", "Results" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, 0, 1, -100, 1, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, 0, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p49_s0

101199_11_item7_p34_s0

NM = not meaningful (1) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

(1) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

2

[ "<tag1>", "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]

[ "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[ "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[]

[ "Measurement", "Results" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, -100, 1, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, 0, -100, -100, 0, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p102_s0

101199_11_item7_p35_s1

(2) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

(1) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

2

[ "<tag1>", "(", "2", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]

[ "(", "2", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[ "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[]

[ "Measurement", "Results" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 1, -100, 1, -100, -100, -100, 0, -100, 0, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p44_s0

101199_11_item7_p35_s1

(2) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

NM = not meaningful (1) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

2

[ "<tag1>", "(", "2", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]

[ "(", "2", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[ "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[]

[ "NM", "meaningful", "Measurement", "Results" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 0, 0, 1, -100, -100, 0, -100, 1, -100, 1, -100, -100, -100, 0, 0, -100, 0, -100, -100, -100, 0, -100, -100, -100, 0, -100, 0, 0, -100, -100, -100, -100, 0, 0, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p45_s1

101199_11_item7_p35_s1

(2) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

(2) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

2

[ "<tag1>", "(", "2", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "(", "2", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]

[ "(", "2", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[ "(", "2", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[]

[ "Measurement", "Results" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 1, -100, 1, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, 0, -100, 0, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p49_s0

101199_11_item7_p35_s1

(2) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

(1) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

2

[ "<tag1>", "(", "2", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]

[ "(", "2", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[ "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[]

[ "Measurement", "Results" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, -100, 1, -100, 1, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, 0, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p46_s2

101199_11_item7_p37_s1

Additionally, our loss and loss settlement expenses decreased by 20.9 percent or $76.3 million from 2009 due in large part to our prior year s claim experience.

In 2010, our loss and loss settlement expenses decreased by 20.9 percent or $76.3 million from 2009 due in large part to the adverse reserve development experienced in 2009.

2

[ "<tag1>", "Additionally", ",", "our", "loss", "and", "loss", "settlement", "expenses", "decreased", "by", "20.9", "percent", "or", "$", "76.3", "million", "from", "2009", "due", "in", "large", "part", "to", "our", "prior", "year", "s", "claim", "experience", ".", "<tag2>", "In", "2010", ",", "our", "loss", "and", "loss", "settlement", "expenses", "decreased", "by", "20.9", "percent", "or", "$", "76.3", "million", "from", "2009", "due", "in", "large", "part", "to", "the", "adverse", "reserve", "development", "experienced", "in", "2009", ".", "<tag3>" ]

[ "Additionally", ",", "our", "loss", "and", "loss", "settlement", "expenses", "decreased", "by", "20.9", "percent", "or", "$", "76.3", "million", "from", "2009", "due", "in", "large", "part", "to", "our", "prior", "year", "s", "claim", "experience", "." ]

[ "In", "2010", ",", "our", "loss", "and", "loss", "settlement", "expenses", "decreased", "by", "20.9", "percent", "or", "$", "76.3", "million", "from", "2009", "due", "in", "large", "part", "to", "the", "adverse", "reserve", "development", "experienced", "in", "2009", "." ]

[]

[ "2010", "adverse", "reserve", "development", "experienced" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 1, 0, -100, 0, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, 0, 0, 0, 0, 0, 0, 0, -100, 0, -100, 1, 1, 1, 1, 0, -100, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p47_s1

101199_11_item7_p38_s1

Additionally, in 2009, we incurred OTTI ch arges of $9.8 million and $38.0 million in adverse development from Hurricane Katrina, which impacted our pre-tax earnings.

Additionally, in 2009, we incurred OTTI charges of $9.8 million and $38.0 million in adverse development from Hurricane Katrina, which impacted our pre-tax earnings.

2

[ "<tag1>", "Additionally", ",", "in", "2009", ",", "we", "incurred", "OTTI", "ch", "arges", "of", "$", "9.8", "million", "and", "$", "38.0", "million", "in", "adverse", "development", "from", "Hurricane", "Katrina", ",", "which", "impacted", "our", "pre", "-", "tax", "earnings", ".", "<tag2>", "Additionally", ",", "in", "2009", ",", "we", "incurred", "OTTI", "charges", "of", "$", "9.8", "million", "and", "$", "38.0", "million", "in", "adverse", "development", "from", "Hurricane", "Katrina", ",", "which", "impacted", "our", "pre", "-", "tax", "earnings", ".", "<tag3>" ]

[ "Additionally", ",", "in", "2009", ",", "we", "incurred", "OTTI", "ch", "arges", "of", "$", "9.8", "million", "and", "$", "38.0", "million", "in", "adverse", "development", "from", "Hurricane", "Katrina", ",", "which", "impacted", "our", "pre", "-", "tax", "earnings", "." ]

[ "Additionally", ",", "in", "2009", ",", "we", "incurred", "OTTI", "charges", "of", "$", "9.8", "million", "and", "$", "38.0", "million", "in", "adverse", "development", "from", "Hurricane", "Katrina", ",", "which", "impacted", "our", "pre", "-", "tax", "earnings", "." ]

[]

[ "charges" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, -100, -100, -100, -100, -100, 1, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p44_s0

101199_11_item7_p40_s0

(1) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

NM = not meaningful (1) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

2

[ "<tag1>", "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]

[ "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[ "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[]

[ "NM", "meaningful", "Measurement", "Results" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, 0, 1, 0, -100, -100, -100, 1, 0, 1, 0, -100, 0, -100, 0, -100, 0, -100, 0, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, 0, -100, -100, 0, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p45_s1

101199_11_item7_p40_s0

(1) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

(2) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

2

[ "<tag1>", "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "(", "2", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]

[ "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[ "(", "2", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[]

[ "Measurement", "Results" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, -100, -100, 1, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p55_s8

101199_11_item7_p46_s3

Our cata strophe reinsurance program pricing decreased approximately 8.0 percent because of the soft market conditions and because we had no losses to the program during 2010 .

Our catastrophe reinsurance program pricing decreased approximately 8.0 percent because of the soft market conditions and because we had no losses to the program during 2010.

2

[ "<tag1>", "Our", "cata", "strophe", "reinsurance", "program", "pricing", "decreased", "approximately", "8.0", "percent", "because", "of", "the", "soft", "market", "conditions", "and", "because", "we", "had", "no", "losses", "to", "the", "program", "during", "2010", ".", "<tag2>", "Our", "catastrophe", "reinsurance", "program", "pricing", "decreased", "approximately", "8.0", "percent", "because", "of", "the", "soft", "market", "conditions", "and", "because", "we", "had", "no", "losses", "to", "the", "program", "during", "2010", ".", "<tag3>" ]

[ "Our", "cata", "strophe", "reinsurance", "program", "pricing", "decreased", "approximately", "8.0", "percent", "because", "of", "the", "soft", "market", "conditions", "and", "because", "we", "had", "no", "losses", "to", "the", "program", "during", "2010", "." ]

[ "Our", "catastrophe", "reinsurance", "program", "pricing", "decreased", "approximately", "8.0", "percent", "because", "of", "the", "soft", "market", "conditions", "and", "because", "we", "had", "no", "losses", "to", "the", "program", "during", "2010", "." ]

[]

[ "catastrophe" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p67_s3

101199_11_item7_p58_s2

Our e stimates for losses, particularly in these long-tail lines, are dependent upon many factors, such as the legal environment, inflation and medical costs.

Our estimates for losses, particularly in these long-tail lines, are dependent upon many factors, such as the legal environment, inflation and medical costs.

2

[ "<tag1>", "Our", "e", "stimates", "for", "losses", ",", "particularly", "in", "these", "long", "-", "tail", "lines", ",", "are", "dependent", "upon", "many", "factors", ",", "such", "as", "the", "legal", "environment", ",", "inflation", "and", "medical", "costs", ".", "<tag2>", "Our", "estimates", "for", "losses", ",", "particularly", "in", "these", "long", "-", "tail", "lines", ",", "are", "dependent", "upon", "many", "factors", ",", "such", "as", "the", "legal", "environment", ",", "inflation", "and", "medical", "costs", ".", "<tag3>" ]

[ "Our", "e", "stimates", "for", "losses", ",", "particularly", "in", "these", "long", "-", "tail", "lines", ",", "are", "dependent", "upon", "many", "factors", ",", "such", "as", "the", "legal", "environment", ",", "inflation", "and", "medical", "costs", "." ]

[ "Our", "estimates", "for", "losses", ",", "particularly", "in", "these", "long", "-", "tail", "lines", ",", "are", "dependent", "upon", "many", "factors", ",", "such", "as", "the", "legal", "environment", ",", "inflation", "and", "medical", "costs", "." ]

[]

[ "estimates" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p69_s3

101199_11_item7_p59_s2

The 2010 development included $8.6 million in adverse development from Hurricane Katrina as a result of our continuing resolution of outstanding litigation.

The favorable development included $6.5 million in adverse development from Hurricane Katrina as a result of our continuing resolution of outstanding claims litigation.

2

[ "<tag1>", "The", "2010", "development", "included", "$", "8.6", "million", "in", "adverse", "development", "from", "Hurricane", "Katrina", "as", "a", "result", "of", "our", "continuing", "resolution", "of", "outstanding", "litigation", ".", "<tag2>", "The", "favorable", "development", "included", "$", "6.5", "million", "in", "adverse", "development", "from", "Hurricane", "Katrina", "as", "a", "result", "of", "our", "continuing", "resolution", "of", "outstanding", "claims", "litigation", ".", "<tag3>" ]

[ "The", "2010", "development", "included", "$", "8.6", "million", "in", "adverse", "development", "from", "Hurricane", "Katrina", "as", "a", "result", "of", "our", "continuing", "resolution", "of", "outstanding", "litigation", "." ]

[ "The", "favorable", "development", "included", "$", "6.5", "million", "in", "adverse", "development", "from", "Hurricane", "Katrina", "as", "a", "result", "of", "our", "continuing", "resolution", "of", "outstanding", "claims", "litigation", "." ]

[]

[ "favorable", "6.5", "claims" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 0, 0, -100, 1, 0, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, 0, 0, 0, -100, 1, 0, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p77_s2

101199_11_item7_p59_s8

Our other liability line of business had a significant increase in losses and loss settlement expenses as a result of unfavorable reserve development from the re-estimation o f our recorded reserves, a slight increase in severity as a result of larger jury awards and continuing construction defect claims and loss settlement expenses.

In 2009, our other liability lines experienced unfavorable reserve development from the re-estimation of certain of our recorded reserves and a slight increase in severity as a result of larger jury awards and continuing construction defect claims and loss settlement expenses.

2

[ "<tag1>", "Our", "other", "liability", "line", "of", "business", "had", "a", "significant", "increase", "in", "losses", "and", "loss", "settlement", "expenses", "as", "a", "result", "of", "unfavorable", "reserve", "development", "from", "the", "re", "-", "estimation", "o", "f", "our", "recorded", "reserves", ",", "a", "slight", "increase", "in", "severity", "as", "a", "result", "of", "larger", "jury", "awards", "and", "continuing", "construction", "defect", "claims", "and", "loss", "settlement", "expenses", ".", "<tag2>", "In", "2009", ",", "our", "other", "liability", "lines", "experienced", "unfavorable", "reserve", "development", "from", "the", "re", "-", "estimation", "of", "certain", "of", "our", "recorded", "reserves", "and", "a", "slight", "increase", "in", "severity", "as", "a", "result", "of", "larger", "jury", "awards", "and", "continuing", "construction", "defect", "claims", "and", "loss", "settlement", "expenses", ".", "<tag3>" ]

[ "Our", "other", "liability", "line", "of", "business", "had", "a", "significant", "increase", "in", "losses", "and", "loss", "settlement", "expenses", "as", "a", "result", "of", "unfavorable", "reserve", "development", "from", "the", "re", "-", "estimation", "o", "f", "our", "recorded", "reserves", ",", "a", "slight", "increase", "in", "severity", "as", "a", "result", "of", "larger", "jury", "awards", "and", "continuing", "construction", "defect", "claims", "and", "loss", "settlement", "expenses", "." ]

[ "In", "2009", ",", "our", "other", "liability", "lines", "experienced", "unfavorable", "reserve", "development", "from", "the", "re", "-", "estimation", "of", "certain", "of", "our", "recorded", "reserves", "and", "a", "slight", "increase", "in", "severity", "as", "a", "result", "of", "larger", "jury", "awards", "and", "continuing", "construction", "defect", "claims", "and", "loss", "settlement", "expenses", "." ]

[]

[ "2009", "lines", "experienced", "certain" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 0, -100, 0, 0, 1, 1, -100, -100, 0, -100, 0, 0, 0, -100, -100, 1, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, 0, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p79_s0

101199_11_item7_p71_s0

The insurance covers l osses to an insured s property, including its contents, from weather, fire, theft or other causes.

The insurance covers losses to an insured s property, including its contents, from weather, fire, theft or other causes.

2

[ "<tag1>", "The", "insurance", "covers", "l", "osses", "to", "an", "insured", "s", "property", ",", "including", "its", "contents", ",", "from", "weather", ",", "fire", ",", "theft", "or", "other", "causes", ".", "<tag2>", "The", "insurance", "covers", "losses", "to", "an", "insured", "s", "property", ",", "including", "its", "contents", ",", "from", "weather", ",", "fire", ",", "theft", "or", "other", "causes", ".", "<tag3>" ]

[ "The", "insurance", "covers", "l", "osses", "to", "an", "insured", "s", "property", ",", "including", "its", "contents", ",", "from", "weather", ",", "fire", ",", "theft", "or", "other", "causes", "." ]

[ "The", "insurance", "covers", "losses", "to", "an", "insured", "s", "property", ",", "including", "its", "contents", ",", "from", "weather", ",", "fire", ",", "theft", "or", "other", "causes", "." ]

[]

[ "losses" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 0, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p81_s2

101199_11_item7_p79_s1

The other liability line experienced a decline in premiums earned in 2010 and 2009, as compared to 2008 , due to the effect competition and the weak economy had on residential and commercial construction.

The decline in premiums earned in 2010 was due to the effect competition and the weak economy had on residential and commercial construction.

2

[ "<tag1>", "The", "other", "liability", "line", "experienced", "a", "decline", "in", "premiums", "earned", "in", "2010", "and", "2009", ",", "as", "compared", "to", "2008", ",", "due", "to", "the", "effect", "competition", "and", "the", "weak", "economy", "had", "on", "residential", "and", "commercial", "construction", ".", "<tag2>", "The", "decline", "in", "premiums", "earned", "in", "2010", "was", "due", "to", "the", "effect", "competition", "and", "the", "weak", "economy", "had", "on", "residential", "and", "commercial", "construction", ".", "<tag3>" ]

[ "The", "other", "liability", "line", "experienced", "a", "decline", "in", "premiums", "earned", "in", "2010", "and", "2009", ",", "as", "compared", "to", "2008", ",", "due", "to", "the", "effect", "competition", "and", "the", "weak", "economy", "had", "on", "residential", "and", "commercial", "construction", "." ]

[ "The", "decline", "in", "premiums", "earned", "in", "2010", "was", "due", "to", "the", "effect", "competition", "and", "the", "weak", "economy", "had", "on", "residential", "and", "commercial", "construction", "." ]

[]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p251_s0

101199_11_item7_p80_s0

Construction defect claims generally relate to allegedly defective work performed in the construction of structures such as apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.

Construction defect is a liability allegation relating to defective work performed in the construction of structures such as commercial buildings, apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.

2

[ "<tag1>", "Construction", "defect", "claims", "generally", "relate", "to", "allegedly", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", ".", "<tag2>", "Construction", "defect", "is", "a", "liability", "allegation", "relating", "to", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "commercial", "buildings", ",", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", ".", "<tag3>" ]

[ "Construction", "defect", "claims", "generally", "relate", "to", "allegedly", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", "." ]

[ "Construction", "defect", "is", "a", "liability", "allegation", "relating", "to", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "commercial", "buildings", ",", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", "." ]

[]

[ "liability", "allegation", "relating", "commercial", "buildings" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 1, 1, 1, -100, -100, 0, -100, 0, -100, 0, -100, 0, -100, -100, 1, 1, -100, 0, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, 0, 0, 0, 0, 0, -100, 0, -100, 0, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p86_s3

101199_11_item7_p82_s7

I n 2010, the increase in frequency on the other liability line of business is due to the continued deterioration of the economy with an associated increase in new claims submitted, primarily bodily injury claims.

In 2010, the increase in frequency was due to continued deterioration of the economy with an associated increase in new claims submitted, primarily bodily injury claims.

2

[ "<tag1>", "I", "n", "2010", ",", "the", "increase", "in", "frequency", "on", "the", "other", "liability", "line", "of", "business", "is", "due", "to", "the", "continued", "deterioration", "of", "the", "economy", "with", "an", "associated", "increase", "in", "new", "claims", "submitted", ",", "primarily", "bodily", "injury", "claims", ".", "<tag2>", "In", "2010", ",", "the", "increase", "in", "frequency", "was", "due", "to", "continued", "deterioration", "of", "the", "economy", "with", "an", "associated", "increase", "in", "new", "claims", "submitted", ",", "primarily", "bodily", "injury", "claims", ".", "<tag3>" ]

[ "I", "n", "2010", ",", "the", "increase", "in", "frequency", "on", "the", "other", "liability", "line", "of", "business", "is", "due", "to", "the", "continued", "deterioration", "of", "the", "economy", "with", "an", "associated", "increase", "in", "new", "claims", "submitted", ",", "primarily", "bodily", "injury", "claims", "." ]

[ "In", "2010", ",", "the", "increase", "in", "frequency", "was", "due", "to", "continued", "deterioration", "of", "the", "economy", "with", "an", "associated", "increase", "in", "new", "claims", "submitted", ",", "primarily", "bodily", "injury", "claims", "." ]

[]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p88_s2

101199_11_item7_p84_s2

Automobile liability insurance covers b odily injury, damage to property resulting from automobile accidents caused by the insured, uninsured or underinsured motorists and the legal costs of defending the insured against lawsuits.

Automobile liability insurance covers bodily injury, damage to property resulting from automobile accidents caused by the insured, uninsured or underinsured motorists and the legal costs of defending the insured against lawsuits.

2

[ "<tag1>", "Automobile", "liability", "insurance", "covers", "b", "odily", "injury", ",", "damage", "to", "property", "resulting", "from", "automobile", "accidents", "caused", "by", "the", "insured", ",", "uninsured", "or", "underinsured", "motorists", "and", "the", "legal", "costs", "of", "defending", "the", "insured", "against", "lawsuits", ".", "<tag2>", "Automobile", "liability", "insurance", "covers", "bodily", "injury", ",", "damage", "to", "property", "resulting", "from", "automobile", "accidents", "caused", "by", "the", "insured", ",", "uninsured", "or", "underinsured", "motorists", "and", "the", "legal", "costs", "of", "defending", "the", "insured", "against", "lawsuits", ".", "<tag3>" ]

[ "Automobile", "liability", "insurance", "covers", "b", "odily", "injury", ",", "damage", "to", "property", "resulting", "from", "automobile", "accidents", "caused", "by", "the", "insured", ",", "uninsured", "or", "underinsured", "motorists", "and", "the", "legal", "costs", "of", "defending", "the", "insured", "against", "lawsuits", "." ]

[ "Automobile", "liability", "insurance", "covers", "bodily", "injury", ",", "damage", "to", "property", "resulting", "from", "automobile", "accidents", "caused", "by", "the", "insured", ",", "uninsured", "or", "underinsured", "motorists", "and", "the", "legal", "costs", "of", "defending", "the", "insured", "against", "lawsuits", "." ]

[]

[ "bodily" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, -100, 1, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p95_s1

101199_11_item7_p90_s1

Our contract bonds protect owners from failure to perf orm on the part of our principals.

Our contract bonds protect owners from failure to perform on the part of our principals.

2

[ "<tag1>", "Our", "contract", "bonds", "protect", "owners", "from", "failure", "to", "perf", "orm", "on", "the", "part", "of", "our", "principals", ".", "<tag2>", "Our", "contract", "bonds", "protect", "owners", "from", "failure", "to", "perform", "on", "the", "part", "of", "our", "principals", ".", "<tag3>" ]

[ "Our", "contract", "bonds", "protect", "owners", "from", "failure", "to", "perf", "orm", "on", "the", "part", "of", "our", "principals", "." ]

[ "Our", "contract", "bonds", "protect", "owners", "from", "failure", "to", "perform", "on", "the", "part", "of", "our", "principals", "." ]

[]

[ "perform" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 0, -100, -100, -100, 1, -100, -100, 0, -100, -100, 0, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p100_s5

101199_11_item7_p97_s7

Also contributing to the decline in 2009 was the conclusion of some of our assumed business in early 2009 that had been in run-off since late 2006.

We also concluded some of our assumed business in early 2009 that had been in run-off since late 2006.

2

[ "<tag1>", "Also", "contributing", "to", "the", "decline", "in", "2009", "was", "the", "conclusion", "of", "some", "of", "our", "assumed", "business", "in", "early", "2009", "that", "had", "been", "in", "run", "-", "off", "since", "late", "2006", ".", "<tag2>", "We", "also", "concluded", "some", "of", "our", "assumed", "business", "in", "early", "2009", "that", "had", "been", "in", "run", "-", "off", "since", "late", "2006", ".", "<tag3>" ]

[ "Also", "contributing", "to", "the", "decline", "in", "2009", "was", "the", "conclusion", "of", "some", "of", "our", "assumed", "business", "in", "early", "2009", "that", "had", "been", "in", "run", "-", "off", "since", "late", "2006", "." ]

[ "We", "also", "concluded", "some", "of", "our", "assumed", "business", "in", "early", "2009", "that", "had", "been", "in", "run", "-", "off", "since", "late", "2006", "." ]

[]

[ "also", "concluded" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 1, -100, -100, 0, -100, -100, -100, -100, 0, -100, 0, -100, 0, -100, -100, -100, 0, -100, -100, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p44_s0

101199_11_item7_p99_s0

(1) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

NM = not meaningful (1) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

2

[ "<tag1>", "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]

[ "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[ "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[]

[ "NM", "meaningful", "Measurement", "Results" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 0, -100, 1, -100, -100, -100, 0, 1, -100, 1, -100, 0, -100, -100, -100, 0, 0, -100, 0, -100, 0, -100, -100, 0, 0, -100, -100, -100, 0, -100, -100, -100, -100, -100, 0, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_12_item7_p45_s1

101199_11_item7_p99_s0

(1) The Statutory Financial Measures section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

(2) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

2

[ "<tag1>", "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "(", "2", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag3>" ]

[ "(", "1", ")", "The", "Statutory", "Financial", "Measures", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[ "(", "2", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[]

[ "Measurement", "Results" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, -100, 1, 0, 1, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, 0, -100, -100, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p8_s0

101199_12_item7_p103_s1

Our principal life insurance products are deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.

life insurance, which includes deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.

2

[ "<tag1>", "Our", "principal", "life", "insurance", "products", "are", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", ".", "<tag2>", "life", "insurance", ",", "which", "includes", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", ".", "<tag3>" ]

[ "Our", "principal", "life", "insurance", "products", "are", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", "." ]

[ "life", "insurance", ",", "which", "includes", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", "." ]

[]

[ "includes" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 0, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p84_s3

101199_12_item7_p106_s1

This was driven by the continuing low interest rate environment.

This was due to the continuing low interest rate environment.

2

[ "<tag1>", "This", "was", "driven", "by", "the", "continuing", "low", "interest", "rate", "environment", ".", "<tag2>", "This", "was", "due", "to", "the", "continuing", "low", "interest", "rate", "environment", ".", "<tag3>" ]

[ "This", "was", "driven", "by", "the", "continuing", "low", "interest", "rate", "environment", "." ]

[ "This", "was", "due", "to", "the", "continuing", "low", "interest", "rate", "environment", "." ]

[]

[ "due" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 1, -100, -100, 0, -100, -100, 0, 0, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p96_s0

101199_12_item7_p109_s1

We develop our investment strategies based on a number of factors, including estimated duration of reserve liabilities, short- and long-term liquidity needs, projected tax status, general economic conditions, expected rates of inflation and regulatory requirements.

Composition We develop our investment strategies based on a number of factors, including estimated duration of reserve liabilities, short- and long-term liquidity needs, projected tax status, general economic conditions, expected rates of inflation and regulatory requirements.

2

[ "<tag1>", "We", "develop", "our", "investment", "strategies", "based", "on", "a", "number", "of", "factors", ",", "including", "estimated", "duration", "of", "reserve", "liabilities", ",", "short-", "and", "long", "-", "term", "liquidity", "needs", ",", "projected", "tax", "status", ",", "general", "economic", "conditions", ",", "expected", "rates", "of", "inflation", "and", "regulatory", "requirements", ".", "<tag2>", "Composition", "We", "develop", "our", "investment", "strategies", "based", "on", "a", "number", "of", "factors", ",", "including", "estimated", "duration", "of", "reserve", "liabilities", ",", "short-", "and", "long", "-", "term", "liquidity", "needs", ",", "projected", "tax", "status", ",", "general", "economic", "conditions", ",", "expected", "rates", "of", "inflation", "and", "regulatory", "requirements", ".", "<tag3>" ]

[ "We", "develop", "our", "investment", "strategies", "based", "on", "a", "number", "of", "factors", ",", "including", "estimated", "duration", "of", "reserve", "liabilities", ",", "short-", "and", "long", "-", "term", "liquidity", "needs", ",", "projected", "tax", "status", ",", "general", "economic", "conditions", ",", "expected", "rates", "of", "inflation", "and", "regulatory", "requirements", "." ]

[ "Composition", "We", "develop", "our", "investment", "strategies", "based", "on", "a", "number", "of", "factors", ",", "including", "estimated", "duration", "of", "reserve", "liabilities", ",", "short-", "and", "long", "-", "term", "liquidity", "needs", ",", "projected", "tax", "status", ",", "general", "economic", "conditions", ",", "expected", "rates", "of", "inflation", "and", "regulatory", "requirements", "." ]

[]

[ "Composition" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p104_s0

101199_12_item7_p113_s1

With appropriate matching, our investments will mature when cash is needed, preventing the need to liquidate other assets prematurely.

will mature when cash is needed, preventing the need to liquidate other assets prematurely.

2

[ "<tag1>", "With", "appropriate", "matching", ",", "our", "investments", "will", "mature", "when", "cash", "is", "needed", ",", "preventing", "the", "need", "to", "liquidate", "other", "assets", "prematurely", ".", "<tag2>", "will", "mature", "when", "cash", "is", "needed", ",", "preventing", "the", "need", "to", "liquidate", "other", "assets", "prematurely", ".", "<tag3>" ]

[ "With", "appropriate", "matching", ",", "our", "investments", "will", "mature", "when", "cash", "is", "needed", ",", "preventing", "the", "need", "to", "liquidate", "other", "assets", "prematurely", "." ]

[ "will", "mature", "when", "cash", "is", "needed", ",", "preventing", "the", "need", "to", "liquidate", "other", "assets", "prematurely", "." ]

[]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p124_s0

101199_12_item7_p130_s3

The following table summarizes the change in our net unrealized gains:

The following table summarizes the change in our net unrealized investment gains (losses):

2

[ "<tag1>", "The", "following", "table", "summarizes", "the", "change", "in", "our", "net", "unrealized", "gains", ":", "<tag2>", "The", "following", "table", "summarizes", "the", "change", "in", "our", "net", "unrealized", "investment", "gains", "(", "losses", "):", "<tag3>" ]

[ "The", "following", "table", "summarizes", "the", "change", "in", "our", "net", "unrealized", "gains", ":" ]

[ "The", "following", "table", "summarizes", "the", "change", "in", "our", "net", "unrealized", "investment", "gains", "(", "losses", "):" ]

[]

[ "investment", "losses", "):" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, 0, 0, -100, 0, -100, 0, 0, 0, 1, 0, -100, 1, 1, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p151_s3

101199_12_item7_p161_s1

Furthermore, under Iowa law United Fire Casualty Company may pay dividends only if after giving effect to the payment either that the company is able to pay our debts as they become due in the normal course of business or our total assets would be equal to or more than the sum of our total liabilities.

Furthermore, under state law our insurance operating subsidiaries may pay dividends only if after giving effect to the payment they are able to pay their debts as they become due in the normal course of business or their total assets would be equal to or greater than the sum of their total liabilities.

2

[ "<tag1>", "Furthermore", ",", "under", "Iowa", "law", "United", "Fire", "Casualty", "Company", "may", "pay", "dividends", "only", "if", "after", "giving", "effect", "to", "the", "payment", "either", "that", "the", "company", "is", "able", "to", "pay", "our", "debts", "as", "they", "become", "due", "in", "the", "normal", "course", "of", "business", "or", "our", "total", "assets", "would", "be", "equal", "to", "or", "more", "than", "the", "sum", "of", "our", "total", "liabilities", ".", "<tag2>", "Furthermore", ",", "under", "state", "law", "our", "insurance", "operating", "subsidiaries", "may", "pay", "dividends", "only", "if", "after", "giving", "effect", "to", "the", "payment", "they", "are", "able", "to", "pay", "their", "debts", "as", "they", "become", "due", "in", "the", "normal", "course", "of", "business", "or", "their", "total", "assets", "would", "be", "equal", "to", "or", "greater", "than", "the", "sum", "of", "their", "total", "liabilities", ".", "<tag3>" ]

[ "Furthermore", ",", "under", "Iowa", "law", "United", "Fire", "Casualty", "Company", "may", "pay", "dividends", "only", "if", "after", "giving", "effect", "to", "the", "payment", "either", "that", "the", "company", "is", "able", "to", "pay", "our", "debts", "as", "they", "become", "due", "in", "the", "normal", "course", "of", "business", "or", "our", "total", "assets", "would", "be", "equal", "to", "or", "more", "than", "the", "sum", "of", "our", "total", "liabilities", "." ]

[ "Furthermore", ",", "under", "state", "law", "our", "insurance", "operating", "subsidiaries", "may", "pay", "dividends", "only", "if", "after", "giving", "effect", "to", "the", "payment", "they", "are", "able", "to", "pay", "their", "debts", "as", "they", "become", "due", "in", "the", "normal", "course", "of", "business", "or", "their", "total", "assets", "would", "be", "equal", "to", "or", "greater", "than", "the", "sum", "of", "their", "total", "liabilities", "." ]

[]

[ "state", "insurance", "operating", "subsidiaries", "greater" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, 0, 1, 0, -100, 1, 1, 1, -100, -100, 0, 0, -100, 0, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, 1, -100, 0, -100, -100, -100, 0, -100, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p155_s1

101199_12_item7_p166_s0

grant certain types of security interests, incur certain types of liens, impose restrictions on subsidiary dividends, enter into leaseback transactions, or incur certain indebtedness.

Subject to certain exceptions, these activities include restricting our ability to sell or transfer assets or enter into a merger or consolidate with another company, grant certain types of security interests, incur certain types of liens, impose restrictions on subsidiary dividends, enter into leaseback transactions, or incur certain indebtedness.

2

[ "<tag1>", "grant", "certain", "types", "of", "security", "interests", ",", "incur", "certain", "types", "of", "liens", ",", "impose", "restrictions", "on", "subsidiary", "dividends", ",", "enter", "into", "leaseback", "transactions", ",", "or", "incur", "certain", "indebtedness", ".", "<tag2>", "Subject", "to", "certain", "exceptions", ",", "these", "activities", "include", "restricting", "our", "ability", "to", "sell", "or", "transfer", "assets", "or", "enter", "into", "a", "merger", "or", "consolidate", "with", "another", "company", ",", "grant", "certain", "types", "of", "security", "interests", ",", "incur", "certain", "types", "of", "liens", ",", "impose", "restrictions", "on", "subsidiary", "dividends", ",", "enter", "into", "leaseback", "transactions", ",", "or", "incur", "certain", "indebtedness", ".", "<tag3>" ]

[ "grant", "certain", "types", "of", "security", "interests", ",", "incur", "certain", "types", "of", "liens", ",", "impose", "restrictions", "on", "subsidiary", "dividends", ",", "enter", "into", "leaseback", "transactions", ",", "or", "incur", "certain", "indebtedness", "." ]

[ "Subject", "to", "certain", "exceptions", ",", "these", "activities", "include", "restricting", "our", "ability", "to", "sell", "or", "transfer", "assets", "or", "enter", "into", "a", "merger", "or", "consolidate", "with", "another", "company", ",", "grant", "certain", "types", "of", "security", "interests", ",", "incur", "certain", "types", "of", "liens", ",", "impose", "restrictions", "on", "subsidiary", "dividends", ",", "enter", "into", "leaseback", "transactions", ",", "or", "incur", "certain", "indebtedness", "." ]

[]

[ "Subject", "exceptions", "activities", "include", "restricting", "ability", "sell", "transfer", "assets", "merger", "consolidate", "another", "company" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 0, 0, 1, 0, 0, 1, 1, 1, 0, 1, -100, 1, 0, 1, 1, 0, 0, 0, 0, 1, 0, 1, -100, 1, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -100, 0, -100, 0, 0, 0, 0, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p159_s2

101199_12_item7_p170_s2

Future Policy Benefits Future payments to be made to policyholders and beneficiaries must be actuarially estimated and are not determinable from the contract.

The amounts presented for future payments to be made to policyholders and beneficiaries must be actuarially estimated and are not determinable from the contract.

2

[ "<tag1>", "Future", "Policy", "Benefits", "Future", "payments", "to", "be", "made", "to", "policyholders", "and", "beneficiaries", "must", "be", "actuarially", "estimated", "and", "are", "not", "determinable", "from", "the", "contract", ".", "<tag2>", "The", "amounts", "presented", "for", "future", "payments", "to", "be", "made", "to", "policyholders", "and", "beneficiaries", "must", "be", "actuarially", "estimated", "and", "are", "not", "determinable", "from", "the", "contract", ".", "<tag3>" ]

[ "Future", "Policy", "Benefits", "Future", "payments", "to", "be", "made", "to", "policyholders", "and", "beneficiaries", "must", "be", "actuarially", "estimated", "and", "are", "not", "determinable", "from", "the", "contract", "." ]

[ "The", "amounts", "presented", "for", "future", "payments", "to", "be", "made", "to", "policyholders", "and", "beneficiaries", "must", "be", "actuarially", "estimated", "and", "are", "not", "determinable", "from", "the", "contract", "." ]

[]

[ "amounts", "presented", "future" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 1, 0, 1, -100, 0, -100, -100, 0, 0, 0, 0, -100, -100, -100, -100, -100, -100, -100, 0, 0, 0, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p83_s1

101199_12_item7_p17_s0

life insurance, which includes deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.

Our principal life insurance products are deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.

2

[ "<tag1>", "life", "insurance", ",", "which", "includes", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", ".", "<tag2>", "Our", "principal", "life", "insurance", "products", "are", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", ".", "<tag3>" ]

[ "life", "insurance", ",", "which", "includes", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", "." ]

[ "Our", "principal", "life", "insurance", "products", "are", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", "." ]

[]

[ "principal" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p166_s0

101199_12_item7_p180_s0

Critical accounting estimates are defined as those that are representative of significant judgments and uncertainties and that may potentially result in materially different results under different assumptions and conditions.

CRITICAL ACCOUNTING POLICIES Critical accounting policies are defined as those that are representative of significant judgments and uncertainties and that may potentially result in materially different results under different assumptions and conditions.

2

[ "<tag1>", "Critical", "accounting", "estimates", "are", "defined", "as", "those", "that", "are", "representative", "of", "significant", "judgments", "and", "uncertainties", "and", "that", "may", "potentially", "result", "in", "materially", "different", "results", "under", "different", "assumptions", "and", "conditions", ".", "<tag2>", "CRITICAL", "ACCOUNTING", "POLICIES", "Critical", "accounting", "policies", "are", "defined", "as", "those", "that", "are", "representative", "of", "significant", "judgments", "and", "uncertainties", "and", "that", "may", "potentially", "result", "in", "materially", "different", "results", "under", "different", "assumptions", "and", "conditions", ".", "<tag3>" ]

[ "Critical", "accounting", "estimates", "are", "defined", "as", "those", "that", "are", "representative", "of", "significant", "judgments", "and", "uncertainties", "and", "that", "may", "potentially", "result", "in", "materially", "different", "results", "under", "different", "assumptions", "and", "conditions", "." ]

[ "CRITICAL", "ACCOUNTING", "POLICIES", "Critical", "accounting", "policies", "are", "defined", "as", "those", "that", "are", "representative", "of", "significant", "judgments", "and", "uncertainties", "and", "that", "may", "potentially", "result", "in", "materially", "different", "results", "under", "different", "assumptions", "and", "conditions", "." ]

[]

[ "CRITICAL", "ACCOUNTING", "POLICIES", "policies" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 1, 1, 0, -100, 1, -100, -100, 0, -100, 0, -100, -100, 0, -100, -100, -100, -100, 0, 0, -100, 0, -100, -100, -100, 0, -100, 0, 0, 0, -100, 0, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p168_s0

101199_12_item7_p182_s0

We believe that our most critical accounting estimates are as follows.

We believe that our most critical accounting policies are as follows.

2

[ "<tag1>", "We", "believe", "that", "our", "most", "critical", "accounting", "estimates", "are", "as", "follows", ".", "<tag2>", "We", "believe", "that", "our", "most", "critical", "accounting", "policies", "are", "as", "follows", ".", "<tag3>" ]

[ "We", "believe", "that", "our", "most", "critical", "accounting", "estimates", "are", "as", "follows", "." ]

[ "We", "believe", "that", "our", "most", "critical", "accounting", "policies", "are", "as", "follows", "." ]

[]

[ "policies" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, 0, 0, -100, 0, 1, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p170_s0

101199_12_item7_p183_s2

We record available-for-sale fixed maturity securities, trading securities and equity securities at fair value.

fixed maturity securities, trading securities and equity securities at fair value.

2

[ "<tag1>", "We", "record", "available", "-", "for", "-", "sale", "fixed", "maturity", "securities", ",", "trading", "securities", "and", "equity", "securities", "at", "fair", "value", ".", "<tag2>", "fixed", "maturity", "securities", ",", "trading", "securities", "and", "equity", "securities", "at", "fair", "value", ".", "<tag3>" ]

[ "We", "record", "available", "-", "for", "-", "sale", "fixed", "maturity", "securities", ",", "trading", "securities", "and", "equity", "securities", "at", "fair", "value", "." ]

[ "fixed", "maturity", "securities", ",", "trading", "securities", "and", "equity", "securities", "at", "fair", "value", "." ]

[]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p185_s1

101199_12_item7_p198_s0

If a security does not have a market at the balance sheet date, management will estimate the security s fair value based on other securities in the market.

If the impaired security does not have a market at the balance sheet date, management will estimate the security s fair value based on other securities in the market.

2

[ "<tag1>", "If", "a", "security", "does", "not", "have", "a", "market", "at", "the", "balance", "sheet", "date", ",", "management", "will", "estimate", "the", "security", "s", "fair", "value", "based", "on", "other", "securities", "in", "the", "market", ".", "<tag2>", "If", "the", "impaired", "security", "does", "not", "have", "a", "market", "at", "the", "balance", "sheet", "date", ",", "management", "will", "estimate", "the", "security", "s", "fair", "value", "based", "on", "other", "securities", "in", "the", "market", ".", "<tag3>" ]

[ "If", "a", "security", "does", "not", "have", "a", "market", "at", "the", "balance", "sheet", "date", ",", "management", "will", "estimate", "the", "security", "s", "fair", "value", "based", "on", "other", "securities", "in", "the", "market", "." ]

[ "If", "the", "impaired", "security", "does", "not", "have", "a", "market", "at", "the", "balance", "sheet", "date", ",", "management", "will", "estimate", "the", "security", "s", "fair", "value", "based", "on", "other", "securities", "in", "the", "market", "." ]

[]

[ "impaired" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p113_s1

101199_12_item7_p209_s0

Other-Than-Temporary Impairment Charges We continually monitor the difference between our cost basis and the estimated fair value of our investments.

We continually monitor the difference between our cost basis and the estimated fair value of our investments.

2

[ "<tag1>", "Other", "-", "Than", "-", "Temporary", "Impairment", "Charges", "We", "continually", "monitor", "the", "difference", "between", "our", "cost", "basis", "and", "the", "estimated", "fair", "value", "of", "our", "investments", ".", "<tag2>", "We", "continually", "monitor", "the", "difference", "between", "our", "cost", "basis", "and", "the", "estimated", "fair", "value", "of", "our", "investments", ".", "<tag3>" ]

[ "Other", "-", "Than", "-", "Temporary", "Impairment", "Charges", "We", "continually", "monitor", "the", "difference", "between", "our", "cost", "basis", "and", "the", "estimated", "fair", "value", "of", "our", "investments", "." ]

[ "We", "continually", "monitor", "the", "difference", "between", "our", "cost", "basis", "and", "the", "estimated", "fair", "value", "of", "our", "investments", "." ]

[]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p113_s2

101199_12_item7_p209_s1

Our accounting policy for impairment recognition requires OTTI charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.

Our accounting policy for impairment recognition requires other-than-temporary impairment charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.

2

[ "<tag1>", "Our", "accounting", "policy", "for", "impairment", "recognition", "requires", "OTTI", "charges", "to", "be", "recorded", "when", "we", "determine", "that", "it", "is", "more", "likely", "than", "not", "that", "we", "will", "be", "unable", "to", "collect", "all", "amounts", "due", "according", "to", "the", "contractual", "terms", "of", "the", "fixed", "maturity", "security", "or", "that", "the", "anticipated", "recovery", "in", "fair", "value", "of", "the", "equity", "security", "will", "not", "occur", "in", "a", "reasonable", "amount", "of", "time", ".", "<tag2>", "Our", "accounting", "policy", "for", "impairment", "recognition", "requires", "other", "-", "than", "-", "temporary", "impairment", "charges", "to", "be", "recorded", "when", "we", "determine", "that", "it", "is", "more", "likely", "than", "not", "that", "we", "will", "be", "unable", "to", "collect", "all", "amounts", "due", "according", "to", "the", "contractual", "terms", "of", "the", "fixed", "maturity", "security", "or", "that", "the", "anticipated", "recovery", "in", "fair", "value", "of", "the", "equity", "security", "will", "not", "occur", "in", "a", "reasonable", "amount", "of", "time", ".", "<tag3>" ]

[ "Our", "accounting", "policy", "for", "impairment", "recognition", "requires", "OTTI", "charges", "to", "be", "recorded", "when", "we", "determine", "that", "it", "is", "more", "likely", "than", "not", "that", "we", "will", "be", "unable", "to", "collect", "all", "amounts", "due", "according", "to", "the", "contractual", "terms", "of", "the", "fixed", "maturity", "security", "or", "that", "the", "anticipated", "recovery", "in", "fair", "value", "of", "the", "equity", "security", "will", "not", "occur", "in", "a", "reasonable", "amount", "of", "time", "." ]

[ "Our", "accounting", "policy", "for", "impairment", "recognition", "requires", "other", "-", "than", "-", "temporary", "impairment", "charges", "to", "be", "recorded", "when", "we", "determine", "that", "it", "is", "more", "likely", "than", "not", "that", "we", "will", "be", "unable", "to", "collect", "all", "amounts", "due", "according", "to", "the", "contractual", "terms", "of", "the", "fixed", "maturity", "security", "or", "that", "the", "anticipated", "recovery", "in", "fair", "value", "of", "the", "equity", "security", "will", "not", "occur", "in", "a", "reasonable", "amount", "of", "time", "." ]

[]

[ "temporary" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p191_s0

101199_12_item7_p211_s0

This asset is amortized over the life of the policies written, generally one year.

The DAC asset is amortized over the life of the policies written, generally one year.

2

[ "<tag1>", "This", "asset", "is", "amortized", "over", "the", "life", "of", "the", "policies", "written", ",", "generally", "one", "year", ".", "<tag2>", "The", "DAC", "asset", "is", "amortized", "over", "the", "life", "of", "the", "policies", "written", ",", "generally", "one", "year", ".", "<tag3>" ]

[ "This", "asset", "is", "amortized", "over", "the", "life", "of", "the", "policies", "written", ",", "generally", "one", "year", "." ]

[ "The", "DAC", "asset", "is", "amortized", "over", "the", "life", "of", "the", "policies", "written", ",", "generally", "one", "year", "." ]

[]

[ "DAC" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, 0, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p223_s0

101199_12_item7_p242_s1

Accordingly, management reviews and updates these assumptions periodically to ensure that the assumptions continue to be valid.

periodically to ensure that the assumptions continue to be valid.

2

[ "<tag1>", "Accordingly", ",", "management", "reviews", "and", "updates", "these", "assumptions", "periodically", "to", "ensure", "that", "the", "assumptions", "continue", "to", "be", "valid", ".", "<tag2>", "periodically", "to", "ensure", "that", "the", "assumptions", "continue", "to", "be", "valid", ".", "<tag3>" ]

[ "Accordingly", ",", "management", "reviews", "and", "updates", "these", "assumptions", "periodically", "to", "ensure", "that", "the", "assumptions", "continue", "to", "be", "valid", "." ]

[ "periodically", "to", "ensure", "that", "the", "assumptions", "continue", "to", "be", "valid", "." ]

[]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p223_s1

101199_12_item7_p243_s0

in the estimates derived from the use of these assumptions, but also in the assumptions themselves.

If necessary, management makes changes not only in the estimates derived from the use of these assumptions, but also in the assumptions themselves.

2

[ "<tag1>", "in", "the", "estimates", "derived", "from", "the", "use", "of", "these", "assumptions", ",", "but", "also", "in", "the", "assumptions", "themselves", ".", "<tag2>", "If", "necessary", ",", "management", "makes", "changes", "not", "only", "in", "the", "estimates", "derived", "from", "the", "use", "of", "these", "assumptions", ",", "but", "also", "in", "the", "assumptions", "themselves", ".", "<tag3>" ]

[ "in", "the", "estimates", "derived", "from", "the", "use", "of", "these", "assumptions", ",", "but", "also", "in", "the", "assumptions", "themselves", "." ]

[ "If", "necessary", ",", "management", "makes", "changes", "not", "only", "in", "the", "estimates", "derived", "from", "the", "use", "of", "these", "assumptions", ",", "but", "also", "in", "the", "assumptions", "themselves", "." ]

[]

[ "necessary", "management", "makes", "changes" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 1, 0, 1, 1, 1, -100, 0, 0, 0, 0, 0, -100, -100, -100, -100, 0, -100, 0, 0, -100, 0, 0, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p66_s0

101199_12_item7_p251_s0

Construction defect is a liability allegation relating to defective work performed in the construction of structures such as commercial buildings, apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.

Construction defect claims generally relate to allegedly defective work performed in the construction of structures such as apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.

2

[ "<tag1>", "Construction", "defect", "is", "a", "liability", "allegation", "relating", "to", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "commercial", "buildings", ",", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", ".", "<tag2>", "Construction", "defect", "claims", "generally", "relate", "to", "allegedly", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", ".", "<tag3>" ]

[ "Construction", "defect", "is", "a", "liability", "allegation", "relating", "to", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "commercial", "buildings", ",", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", "." ]

[ "Construction", "defect", "claims", "generally", "relate", "to", "allegedly", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", "." ]

[]

[ "claims", "generally", "relate", "allegedly" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 1, 1, 1, 0, 1, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, 0, 0, -100, 0, -100, 0, -100, -100, 0, 0, 0, -100, -100, -100, 0, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p233_s0

101199_12_item7_p252_s0

that we anticipate will mitigate the amount of construction defect losses experienced.

In recent years, we have implemented various underwriting measures that we anticipate will mitigate the amount of construction defect losses experienced.

2

[ "<tag1>", "that", "we", "anticipate", "will", "mitigate", "the", "amount", "of", "construction", "defect", "losses", "experienced", ".", "<tag2>", "In", "recent", "years", ",", "we", "have", "implemented", "various", "underwriting", "measures", "that", "we", "anticipate", "will", "mitigate", "the", "amount", "of", "construction", "defect", "losses", "experienced", ".", "<tag3>" ]

[ "that", "we", "anticipate", "will", "mitigate", "the", "amount", "of", "construction", "defect", "losses", "experienced", "." ]

[ "In", "recent", "years", ",", "we", "have", "implemented", "various", "underwriting", "measures", "that", "we", "anticipate", "will", "mitigate", "the", "amount", "of", "construction", "defect", "losses", "experienced", "." ]

[]

[ "recent", "years", "implemented", "various", "underwriting", "measures" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 1, 1, 0, 0, 0, 1, 1, 1, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p237_s2

101199_12_item7_p256_s3

Adverse development is recognized and reported in the Consolidated Financial Statements when we increase our previous estimate of ultimate losses and loss settlement expenses, which results in a decrease to net income.

Favorable development is recognized and reported when we decrease our previous estimate of ultimate losses and loss settlement expenses, which results in an increase to net income in the period recognized.

2

[ "<tag1>", "Adverse", "development", "is", "recognized", "and", "reported", "in", "the", "Consolidated", "Financial", "Statements", "when", "we", "increase", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "a", "decrease", "to", "net", "income", ".", "<tag2>", "Favorable", "development", "is", "recognized", "and", "reported", "when", "we", "decrease", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "an", "increase", "to", "net", "income", "in", "the", "period", "recognized", ".", "<tag3>" ]

[ "Adverse", "development", "is", "recognized", "and", "reported", "in", "the", "Consolidated", "Financial", "Statements", "when", "we", "increase", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "a", "decrease", "to", "net", "income", "." ]

[ "Favorable", "development", "is", "recognized", "and", "reported", "when", "we", "decrease", "our", "previous", "estimate", "of", "ultimate", "losses", "and", "loss", "settlement", "expenses", ",", "which", "results", "in", "an", "increase", "to", "net", "income", "in", "the", "period", "recognized", "." ]

[]

[ "Favorable", "period" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, 1, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p16_s0

101199_12_item7_p25_s0

Our consolidated financial statements are prepared on the basis of GAAP.

Our consolidated financial statements are prepared on the basis of U.S. generally accepted accounting principals ("GAAP").

2

[ "<tag1>", "Our", "consolidated", "financial", "statements", "are", "prepared", "on", "the", "basis", "of", "GAAP", ".", "<tag2>", "Our", "consolidated", "financial", "statements", "are", "prepared", "on", "the", "basis", "of", "U.S.", "generally", "accepted", "accounting", "principals", "(", "\"", "GAAP", "\"", ")", ".", "<tag3>" ]

[ "Our", "consolidated", "financial", "statements", "are", "prepared", "on", "the", "basis", "of", "GAAP", "." ]

[ "Our", "consolidated", "financial", "statements", "are", "prepared", "on", "the", "basis", "of", "U.S.", "generally", "accepted", "accounting", "principals", "(", "\"", "GAAP", "\"", ")", "." ]

[]

[ "U.S.", "generally", "accepted", "accounting", "principals" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, 0, 0, 0, -100, 0, 0, 0, 0, 1, 1, 1, 1, 1, 0, 0, 0, 0, 0, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p244_s2

101199_12_item7_p270_s0

point estimates prepared by Regnier by line of business to ensure that our estimates are within the actuary s acceptable range.

On an annual basis, we compare our estimate of total reserves to point estimates prepared by Regnier by line of business to ensure that our estimates are within the actuary s acceptable range.

2

[ "<tag1>", "point", "estimates", "prepared", "by", "Regnier", "by", "line", "of", "business", "to", "ensure", "that", "our", "estimates", "are", "within", "the", "actuary", "s", "acceptable", "range", ".", "<tag2>", "On", "an", "annual", "basis", ",", "we", "compare", "our", "estimate", "of", "total", "reserves", "to", "point", "estimates", "prepared", "by", "Regnier", "by", "line", "of", "business", "to", "ensure", "that", "our", "estimates", "are", "within", "the", "actuary", "s", "acceptable", "range", ".", "<tag3>" ]

[ "point", "estimates", "prepared", "by", "Regnier", "by", "line", "of", "business", "to", "ensure", "that", "our", "estimates", "are", "within", "the", "actuary", "s", "acceptable", "range", "." ]

[ "On", "an", "annual", "basis", ",", "we", "compare", "our", "estimate", "of", "total", "reserves", "to", "point", "estimates", "prepared", "by", "Regnier", "by", "line", "of", "business", "to", "ensure", "that", "our", "estimates", "are", "within", "the", "actuary", "s", "acceptable", "range", "." ]

[]

[ "annual", "basis", "compare", "estimate", "total", "reserves" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, 1, 1, -100, -100, 1, 0, 1, 0, 1, 1, 0, 0, -100, -100, 0, 0, 0, 0, 0, 0, -100, 0, -100, 0, 0, 0, -100, -100, 0, -100, -100, -100, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p253_s0

101199_12_item7_p282_s2

The effects of changes in our estimated reserves are included in the results of operations in the period in which the changes occur.

The effects of changes in reserve estimates are reported in the results of operations in the period in which the changes are determined.

2

[ "<tag1>", "The", "effects", "of", "changes", "in", "our", "estimated", "reserves", "are", "included", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "occur", ".", "<tag2>", "The", "effects", "of", "changes", "in", "reserve", "estimates", "are", "reported", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "are", "determined", ".", "<tag3>" ]

[ "The", "effects", "of", "changes", "in", "our", "estimated", "reserves", "are", "included", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "occur", "." ]

[ "The", "effects", "of", "changes", "in", "reserve", "estimates", "are", "reported", "in", "the", "results", "of", "operations", "in", "the", "period", "in", "which", "the", "changes", "are", "determined", "." ]

[]

[ "reserve", "estimates", "reported", "determined" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, -100, -100, 1, 1, 0, 1, 0, -100, 0, 0, 0, 0, 0, 0, -100, 0, -100, 0, -100, 1, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p259_s3

101199_12_item7_p286_s2

Assumption Determination Methodology Potential One-Time Effect on DAC Asset, Net of Unearned Revenue Liabilities Mortality Experience Based on our mortality experience with consideration given to industry experience and trends A 10.0% increase in expected mortality experience for all future years would result in a reduction in DAC and an increase in current period amortization expense of $3.6 million.

Surrender Rates Based on our policy surrender experience with consideration given to industry experience and trends A 10.0% increase in expected surrender rates for all future years would result in a reduction in DAC and an increase in current period amortization expense of $2.0 million.

2

[ "<tag1>", "Assumption", "Determination", "Methodology", "Potential", "One", "-", "Time", "Effect", "on", "DAC", "Asset", ",", "Net", "of", "Unearned", "Revenue", "Liabilities", "Mortality", "Experience", "Based", "on", "our", "mortality", "experience", "with", "consideration", "given", "to", "industry", "experience", "and", "trends", "A", "10.0", "%", "increase", "in", "expected", "mortality", "experience", "for", "all", "future", "years", "would", "result", "in", "a", "reduction", "in", "DAC", "and", "an", "increase", "in", "current", "period", "amortization", "expense", "of", "$", "3.6", "million", ".", "<tag2>", "Surrender", "Rates", "Based", "on", "our", "policy", "surrender", "experience", "with", "consideration", "given", "to", "industry", "experience", "and", "trends", "A", "10.0", "%", "increase", "in", "expected", "surrender", "rates", "for", "all", "future", "years", "would", "result", "in", "a", "reduction", "in", "DAC", "and", "an", "increase", "in", "current", "period", "amortization", "expense", "of", "$", "2.0", "million", ".", "<tag3>" ]

[ "Assumption", "Determination", "Methodology", "Potential", "One", "-", "Time", "Effect", "on", "DAC", "Asset", ",", "Net", "of", "Unearned", "Revenue", "Liabilities", "Mortality", "Experience", "Based", "on", "our", "mortality", "experience", "with", "consideration", "given", "to", "industry", "experience", "and", "trends", "A", "10.0", "%", "increase", "in", "expected", "mortality", "experience", "for", "all", "future", "years", "would", "result", "in", "a", "reduction", "in", "DAC", "and", "an", "increase", "in", "current", "period", "amortization", "expense", "of", "$", "3.6", "million", "." ]

[ "Surrender", "Rates", "Based", "on", "our", "policy", "surrender", "experience", "with", "consideration", "given", "to", "industry", "experience", "and", "trends", "A", "10.0", "%", "increase", "in", "expected", "surrender", "rates", "for", "all", "future", "years", "would", "result", "in", "a", "reduction", "in", "DAC", "and", "an", "increase", "in", "current", "period", "amortization", "expense", "of", "$", "2.0", "million", "." ]

[]

[ "Surrender", "Rates", "policy", "surrender", "surrender", "rates", "2.0" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 1, -100, -100, -100, 1, 1, -100, -100, 0, 0, 0, -100, -100, 0, -100, 0, -100, -100, -100, 0, -100, 1, 1, 0, 0, 0, -100, -100, 0, 0, 0, 0, -100, -100, -100, -100, 0, 0, 0, 0, -100, 0, -100, 0, 1, 0, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p264_s1

101199_12_item7_p293_s5

A 100 basis point decrease in our estimated long-term rate of return on plan assets would increase the pension benefit expense for the year ended December 31, 2011 , by $0.6 million , while a 100 basis point increase in the rate would decrease benefit expense by $0.6 million , for the same period.

For the postretirement benefit plan, an increase in our estimated medical trend rate would increase the benefit expense for the year ended December 31, 2012 , by $1.1 million , while a 100 basis point decrease in the rate would decrease benefit expense by $0.9 million , for the same period.

2

[ "<tag1>", "A", "100", "basis", "point", "decrease", "in", "our", "estimated", "long", "-", "term", "rate", "of", "return", "on", "plan", "assets", "would", "increase", "the", "pension", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2011", ",", "by", "$", "0.6", "million", ",", "while", "a", "100", "basis", "point", "increase", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "0.6", "million", ",", "for", "the", "same", "period", ".", "<tag2>", "For", "the", "postretirement", "benefit", "plan", ",", "an", "increase", "in", "our", "estimated", "medical", "trend", "rate", "would", "increase", "the", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2012", ",", "by", "$", "1.1", "million", ",", "while", "a", "100", "basis", "point", "decrease", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "0.9", "million", ",", "for", "the", "same", "period", ".", "<tag3>" ]

[ "A", "100", "basis", "point", "decrease", "in", "our", "estimated", "long", "-", "term", "rate", "of", "return", "on", "plan", "assets", "would", "increase", "the", "pension", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2011", ",", "by", "$", "0.6", "million", ",", "while", "a", "100", "basis", "point", "increase", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "0.6", "million", ",", "for", "the", "same", "period", "." ]

[ "For", "the", "postretirement", "benefit", "plan", ",", "an", "increase", "in", "our", "estimated", "medical", "trend", "rate", "would", "increase", "the", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2012", ",", "by", "$", "1.1", "million", ",", "while", "a", "100", "basis", "point", "decrease", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "0.9", "million", ",", "for", "the", "same", "period", "." ]

[]

[ "postretirement", "medical", "trend", "1.1", "0.9" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, 1, -100, -100, -100, -100, -100, -100, -100, 0, 1, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, 0, 0, 1, -100, 0, 0, -100, -100, 0, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, 0, 1, 0, 0, -100, 0, -100, -100, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p264_s0

101199_12_item7_p293_s6

For the postretirement benefit plan, an increase in our estimated medical trend rate would increase the postretirement benefit expense for the year ended December 31, 2011 , by $0.8 million , while a 100 basis point decrease in the rate would decrease benefit expense by $0.6 million , for the same period.

A 100 basis point decrease in our estimated long-term rate of return on pension plan assets would increase the benefit expense for the year ended December 31, 2012 , by $0.7 million , while a 100 basis point increase in the rate would decrease benefit expense by $0.7 million , for the same period.

2

[ "<tag1>", "For", "the", "postretirement", "benefit", "plan", ",", "an", "increase", "in", "our", "estimated", "medical", "trend", "rate", "would", "increase", "the", "postretirement", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2011", ",", "by", "$", "0.8", "million", ",", "while", "a", "100", "basis", "point", "decrease", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "0.6", "million", ",", "for", "the", "same", "period", ".", "<tag2>", "A", "100", "basis", "point", "decrease", "in", "our", "estimated", "long", "-", "term", "rate", "of", "return", "on", "pension", "plan", "assets", "would", "increase", "the", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2012", ",", "by", "$", "0.7", "million", ",", "while", "a", "100", "basis", "point", "increase", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "0.7", "million", ",", "for", "the", "same", "period", ".", "<tag3>" ]

[ "For", "the", "postretirement", "benefit", "plan", ",", "an", "increase", "in", "our", "estimated", "medical", "trend", "rate", "would", "increase", "the", "postretirement", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2011", ",", "by", "$", "0.8", "million", ",", "while", "a", "100", "basis", "point", "decrease", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "0.6", "million", ",", "for", "the", "same", "period", "." ]

[ "A", "100", "basis", "point", "decrease", "in", "our", "estimated", "long", "-", "term", "rate", "of", "return", "on", "pension", "plan", "assets", "would", "increase", "the", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2012", ",", "by", "$", "0.7", "million", ",", "while", "a", "100", "basis", "point", "increase", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "0.7", "million", ",", "for", "the", "same", "period", "." ]

[]

[ "long", "term", "return", "pension", "assets", "0.7", "0.7" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, -100, -100, -100, 0, -100, 1, -100, 1, -100, 0, 1, 0, 1, -100, 1, 0, -100, -100, -100, 0, 0, 0, -100, 0, 0, -100, 0, -100, -100, -100, -100, 1, -100, -100, -100, 0, 0, -100, -100, 0, -100, -100, -100, 0, 0, 0, 0, -100, -100, 1, -100, -100, 0, 0, -100, 0, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p22_s0

101199_12_item7_p33_s1

When prepared in accordance with statutory accounting principles, the net loss ratio is calculated by dividing the sum of losses and loss settlement expenses by net premiums earned; the expense ratio is calculated by dividing underwriting expenses by net premiums written.

When prepared in accordance with GAAP, the net loss ratio is calculated by dividing the sum of losses and loss settlement expenses by net premiums earned.

2

[ "<tag1>", "When", "prepared", "in", "accordance", "with", "statutory", "accounting", "principles", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", ";", "the", "expense", "ratio", "is", "calculated", "by", "dividing", "underwriting", "expenses", "by", "net", "premiums", "written", ".", "<tag2>", "When", "prepared", "in", "accordance", "with", "GAAP", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", ".", "<tag3>" ]

[ "When", "prepared", "in", "accordance", "with", "statutory", "accounting", "principles", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", ";", "the", "expense", "ratio", "is", "calculated", "by", "dividing", "underwriting", "expenses", "by", "net", "premiums", "written", "." ]

[ "When", "prepared", "in", "accordance", "with", "GAAP", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", "." ]

[]

[ "GAAP" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, 1, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p22_s2

101199_12_item7_p33_s1

When prepared in accordance with statutory accounting principles, the net loss ratio is calculated by dividing the sum of losses and loss settlement expenses by net premiums earned; the expense ratio is calculated by dividing underwriting expenses by net premiums written.

When prepared in accordance with SAP, the net loss ratio is calculated by dividing the sum of losses and loss settlement expenses by net premium earned, and the expense ratio is calculated by dividing underwriting expenses by net premiums written.

2

[ "<tag1>", "When", "prepared", "in", "accordance", "with", "statutory", "accounting", "principles", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", ";", "the", "expense", "ratio", "is", "calculated", "by", "dividing", "underwriting", "expenses", "by", "net", "premiums", "written", ".", "<tag2>", "When", "prepared", "in", "accordance", "with", "SAP", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premium", "earned", ",", "and", "the", "expense", "ratio", "is", "calculated", "by", "dividing", "underwriting", "expenses", "by", "net", "premiums", "written", ".", "<tag3>" ]

[ "When", "prepared", "in", "accordance", "with", "statutory", "accounting", "principles", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premiums", "earned", ";", "the", "expense", "ratio", "is", "calculated", "by", "dividing", "underwriting", "expenses", "by", "net", "premiums", "written", "." ]

[ "When", "prepared", "in", "accordance", "with", "SAP", ",", "the", "net", "loss", "ratio", "is", "calculated", "by", "dividing", "the", "sum", "of", "losses", "and", "loss", "settlement", "expenses", "by", "net", "premium", "earned", ",", "and", "the", "expense", "ratio", "is", "calculated", "by", "dividing", "underwriting", "expenses", "by", "net", "premiums", "written", "." ]

[]

[ "SAP", "premium" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 0, -100, -100, 1, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 1, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p23_s1

101199_12_item7_p35_s0

unpredictable incident or series of closely related incidents that result in $25.0 million or more in U.S. industry-wide direct insured losses to property and that affect a significant number of insureds and insurers ( ISO catastrophe ).

According to the ISO, a catastrophe loss is defined as a single unpredictable incident or series of closely related incidents that result in $25.0 million or more in U.S. industry-wide direct insured losses to property and that affect a significant number of insureds and insurers ( ISO catastrophe ).

2

[ "<tag1>", "unpredictable", "incident", "or", "series", "of", "closely", "related", "incidents", "that", "result", "in", "$", "25.0", "million", "or", "more", "in", "U.S.", "industry", "-", "wide", "direct", "insured", "losses", "to", "property", "and", "that", "affect", "a", "significant", "number", "of", "insureds", "and", "insurers", "(", "ISO", "catastrophe", ")", ".", "<tag2>", "According", "to", "the", "ISO", ",", "a", "catastrophe", "loss", "is", "defined", "as", "a", "single", "unpredictable", "incident", "or", "series", "of", "closely", "related", "incidents", "that", "result", "in", "$", "25.0", "million", "or", "more", "in", "U.S.", "industry", "-", "wide", "direct", "insured", "losses", "to", "property", "and", "that", "affect", "a", "significant", "number", "of", "insureds", "and", "insurers", "(", "ISO", "catastrophe", ")", ".", "<tag3>" ]

[ "unpredictable", "incident", "or", "series", "of", "closely", "related", "incidents", "that", "result", "in", "$", "25.0", "million", "or", "more", "in", "U.S.", "industry", "-", "wide", "direct", "insured", "losses", "to", "property", "and", "that", "affect", "a", "significant", "number", "of", "insureds", "and", "insurers", "(", "ISO", "catastrophe", ")", "." ]

[ "According", "to", "the", "ISO", ",", "a", "catastrophe", "loss", "is", "defined", "as", "a", "single", "unpredictable", "incident", "or", "series", "of", "closely", "related", "incidents", "that", "result", "in", "$", "25.0", "million", "or", "more", "in", "U.S.", "industry", "-", "wide", "direct", "insured", "losses", "to", "property", "and", "that", "affect", "a", "significant", "number", "of", "insureds", "and", "insurers", "(", "ISO", "catastrophe", ")", "." ]

[]

[ "According", "loss", "defined", "single" ]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, 0, -100, -100, -100, -100, 1, -100, 1, -100, -100, 1, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, 0, -100, 0, -100, 0, -100, 0, -100, -100, 0, 0, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p24_s0

101199_12_item7_p36_s0

In addition to ISO catastrophes, we also include as catastrophes those events ( non-ISO catastrophes ), which may include U.S. or international losses, that we believe are, or will be, material to our operations, either in amount or in number of claims made.

include U.S. or international losses, that we believe are, or will be, material to our operations, either in amount or in number of claims made.

2

[ "<tag1>", "In", "addition", "to", "ISO", "catastrophes", ",", "we", "also", "include", "as", "catastrophes", "those", "events", "(", "non", "-", "ISO", "catastrophes", ")", ",", "which", "may", "include", "U.S.", "or", "international", "losses", ",", "that", "we", "believe", "are", ",", "or", "will", "be", ",", "material", "to", "our", "operations", ",", "either", "in", "amount", "or", "in", "number", "of", "claims", "made", ".", "<tag2>", "include", "U.S.", "or", "international", "losses", ",", "that", "we", "believe", "are", ",", "or", "will", "be", ",", "material", "to", "our", "operations", ",", "either", "in", "amount", "or", "in", "number", "of", "claims", "made", ".", "<tag3>" ]

[ "In", "addition", "to", "ISO", "catastrophes", ",", "we", "also", "include", "as", "catastrophes", "those", "events", "(", "non", "-", "ISO", "catastrophes", ")", ",", "which", "may", "include", "U.S.", "or", "international", "losses", ",", "that", "we", "believe", "are", ",", "or", "will", "be", ",", "material", "to", "our", "operations", ",", "either", "in", "amount", "or", "in", "number", "of", "claims", "made", "." ]

[ "include", "U.S.", "or", "international", "losses", ",", "that", "we", "believe", "are", ",", "or", "will", "be", ",", "material", "to", "our", "operations", ",", "either", "in", "amount", "or", "in", "number", "of", "claims", "made", "." ]

[]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p29_s0

101199_12_item7_p40_s0

NM = not meaningful Consolidated Results of Operations The year 2011 will be remembered for its devastating catastrophes, both domestic and abroad.

The year 2011 will be remembered for its devastating catastrophes, both domestic and abroad.

2

[ "<tag1>", "NM", "=", "not", "meaningful", "Consolidated", "Results", "of", "Operations", "The", "year", "2011", "will", "be", "remembered", "for", "its", "devastating", "catastrophes", ",", "both", "domestic", "and", "abroad", ".", "<tag2>", "The", "year", "2011", "will", "be", "remembered", "for", "its", "devastating", "catastrophes", ",", "both", "domestic", "and", "abroad", ".", "<tag3>" ]

[ "NM", "=", "not", "meaningful", "Consolidated", "Results", "of", "Operations", "The", "year", "2011", "will", "be", "remembered", "for", "its", "devastating", "catastrophes", ",", "both", "domestic", "and", "abroad", "." ]

[ "The", "year", "2011", "will", "be", "remembered", "for", "its", "devastating", "catastrophes", ",", "both", "domestic", "and", "abroad", "." ]

[]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]

101199_13_item7_p32_s1

101199_12_item7_p44_s0

NM = not meaningful (1) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than U.S. GAAP.

(2) The Measurement of Results section of this report defines data prepared in accordance with statutory accounting practices, which is a comprehensive basis of accounting other than GAAP.

2

[ "<tag1>", "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", ".", "<tag2>", "(", "2", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "GAAP", ".", "<tag3>" ]

[ "NM", "=", "not", "meaningful", "(", "1", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "U.S.", "GAAP", "." ]

[ "(", "2", ")", "The", "Measurement", "of", "Results", "section", "of", "this", "report", "defines", "data", "prepared", "in", "accordance", "with", "statutory", "accounting", "practices", ",", "which", "is", "a", "comprehensive", "basis", "of", "accounting", "other", "than", "GAAP", "." ]

[]

[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]

[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]