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913144_18_item7_p145_s2
913144_17_item7_p151_s0
were primarily the result of certain adjustments to reconcile our net income of $542.2 million to net cash provided by operating activities, including:
Cash flows provided by operating activities during 2017 were primarily the result of certain adjustments to reconcile our net loss of $354.7 million to net cash provided by operating activities, including:
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913144_18_item7_p155_s0
913144_17_item7_p153_s0
Cash flows used in investing activities.
Cash flows used in financing activities .
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913144_18_item7_p149_s0
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Cash flows used in financing activities.
Cash flows used in investing activities.
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913144_18_item7_p154_s0
913144_17_item7_p155_s0
Cash flows used in financing activities.
Cash flows used in investing activities .
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913144_18_item7_p163_s4
913144_17_item7_p167_s4
Following the acquisition of Platinum, on April 16, 2015, A.M. Best removed from under review with negative implications and affirmed the financial strength rating of A+ (Superior) for each of Renaissance Reinsurance and Renaissance Reinsurance of Europe, with an outlook of negative.
On April 16, 2015, A.M. Best removed from under review with negative implications and affirmed the financial strength rating of A+ (Superior) for each of Renaissance Reinsurance and Renaissance Reinsurance of Europe, with an outlook of negative and affirmed the issuer credit rating of a- (Excellent) and all debt ratings of RenaissanceRe.
2
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913144_18_item7_p164_s0
913144_17_item7_p168_s0
The AA range ( AA+ , AA , AA- ), which has been assigned by S P to Renaissance Reinsurance, DaVinci, Renaissance Reinsurance U.S., RenaissanceRe Specialty U.S., Renaissance Reinsurance of Europe and Top Layer Re, is the second highest rating assigned by S P and indicates that S P believes the insurers have very strong capacity to meet its financial commitments, differing only slightly from those rated higher.
The AA range ( AA+ , AA , AA- ) is the second highest rating assigned by S P and indicates that S P believes the insurers have very strong capacity to meet their financial commitments, differing only slightly from those rated higher.
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913144_18_item7_p166_s1
913144_17_item7_p172_s2
On November 25, 2015, Moody s affirmed its ratings of RenaissanceRe and RenaissanceRe s operating subsidiaries and changed its outlook to stable, from negative.
On November 25, 2015, Moody s affirmed its ratings of A1 for RenaissanceRe and A3 for DaVinci and changed its outlook to stable, from negative.
2
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[]
[ "A1", "A3", "DaVinci" ]
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913144_18_item7_p14_s1
913144_17_item7_p17_s0
techniques, assumptions and processes we follow to estimate our claims and claim expense reserves, prior year development of the reserve for claims and claim expenses, analysis of our incurred and paid claims development and claims duration information for each of our Property and Casualty and Specialty segments.
Reserve for Claims and Claim Expenses in our Notes to the Consolidated Financial Statements for more information on the risks we insure and reinsure, the reserving techniques, assumptions and processes we follow to estimate our claims and claim expense reserves, prior year development of the reserve for claims and claim expenses, analysis of our incurred and paid claims development and claims duration information for each of our Property and Casualty and Specialty segments.
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913144_18_item7_p172_s4
913144_17_item7_p17_s0
techniques, assumptions and processes we follow to estimate our claims and claim expense reserves, prior year development of the reserve for claims and claim expenses, analysis of our incurred and paid claims development and claims duration information for each of our Property and Casualty and Specialty segments.
Reserve for Claims and Claim Expenses in our Notes to the Consolidated Financial Statements for more information on the risks we insure and reinsure, the reserving techniques, assumptions and processes we follow to estimate our claims and claim expense reserves, prior year development of the reserve for claims and claim expenses, analysis of our incurred and paid claims development and claims duration information for each of our Property and Casualty and Specialty segments.
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[]
[ "Reserve", "Claims", "Claim", "Expenses", "Notes", "Consolidated", "Financial", "Statements", "risks", "insure", "reinsure", "reserving" ]
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913144_18_item7_p25_s0
913144_17_item7_p18_s0
Property Segment Actual Results vs. Initial Estimates As discussed above, the key assumption in estimating reserves for our Property segment is our estimate of incurred claims and claim expenses.
Casualty and Specialty Segment Actual Results vs. Initial Estimates As discussed above, the key assumption in estimating reserves for our Casualty and Specialty segment is our estimate of incurred claims and claim expenses.
2
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[]
[ "Casualty", "Specialty", "Casualty", "Specialty" ]
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913144_18_item7_p28_s0
913144_17_item7_p20_s0
The following table details our Property segment incurred claims and claim expenses, net of reinsurance, as of December 31, 2016 .
The following table details our Casualty and Specialty segment incurred claims and claim expenses, net of reinsurance, as of December 31, 2017 .
2
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[]
[ "Casualty", "Specialty" ]
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913144_18_item7_p203_s1
913144_17_item7_p210_s3
In certain circumstances, many of our contractual obligations may be accelerated to dates other than those reflected in the table, due to defaults under the agreements governing those obligations (including pursuant to cross-default provisions in such agreements) or in connection with certain changes in control of the Company, if applicable.
In certain circumstances, our contractual obligations may be accelerated due to defaults under the agreements governing those obligations (including pursuant to cross-default provisions in such agreements) or in connection with certain changes in control of the Company, for example.
2
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[]
[ "example" ]
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913144_18_item7_p207_s5
913144_17_item7_p212_s3
In addition, we believe that many of the key markets we serve are increasingly characterized by large, increasingly sophisticated cedants who are able to manage large retentions, can access risk transfer capital in expanding forms, and may seek to focus their reinsurance relationships on a core group of well-capitalized, highly-rated reinsurers who can provide a complete product suite as well as value added service.
They may be able to manage large retentions, access risk transfer capital in expanding forms, and may seek to focus their reinsurance relationships on a core group of well-capitalized, highly-rated reinsurers who can provide a complete product suite as well as value-added service.
2
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[]
[]
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913144_18_item7_p207_s22
913144_17_item7_p217_s2
In addition, our underwriting activities can be impacted, in particular our specialty and casualty reinsurance and Lloyd s portfolios, each of which can be exposed to risks arising from economic weakness or dislocations, including with respect to a potential increase of claims in directors and officers, errors and omissions, surety, casualty clash and other lines of business.
Our specialty and casualty reinsurance and Lloyd s portfolios in particular could be exposed to risks arising from economic weakness or dislocations, including with respect to a potential increase of claims in directors and officers, errors and omissions, surety, casualty clash and other lines of business.
2
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[]
[ "could" ]
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913144_18_item7_p210_s7
913144_17_item7_p223_s0
2016, which would create a federal reinsurance program to cover any losses insured or reinsured by eligible state programs arising from natural catastrophes, including without limitation losses from floods, earthquakes, tropical storms, tornadoes, volcanic eruption and, winter storms.
In April 2016, H.R.4947, the Natural Disaster Reinsurance Act of 2016, which would create a federal reinsurance program to cover any losses insured or reinsured by eligible state programs arising from natural catastrophes, including losses from floods, earthquakes, tropical storms, tornadoes, volcanic eruption and winter storms, was introduced.
2
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[]
[ "April", "H.R.4947", "Natural", "Disaster", "Reinsurance", "Act", "introduced" ]
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913144_18_item7_p211_s0
913144_17_item7_p224_s1
Among other things, pursuant to this statute, the Federal Emergency Management Agency ( FEMA ) was explicitly authorized to carry out initiatives to determine the capacity of private insurers, reinsurers, and financial markets to assume a greater portion of the flood risk exposure in the U.S., and to assess the capacity of the private reinsurance market to assume some of the program s risk.
In June 2012, Congress passed the Biggert-Waters Bill, which provided for a five-year renewal of the National Flood Insurance Program (the NFIP ) and, among other things, authorized the Federal Emergency Management Agency ( FEMA ) to carry out initiatives to determine the capacity of private insurers, reinsurers, and financial markets to assume a greater portion of the flood risk exposure in the U.S., and to assess the capacity of the private reinsurance market to assume some of the program s risk.
2
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[]
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913144_18_item7_p213_s0
913144_17_item7_p227_s0
In March 2016, the House Committee on Financial Services unanimously approved H.R. 2901, the Flood Insurance Market Parity and Modernization Act, which would clarify that flood insurance provided by private firms satisfies the requirement that homeowners maintain flood coverage on mortgaged properties that are backed by a federal guarantee and located in a flood zone.
Legislative language under consideration in the House of Representatives would clarify that flood insurance provided by private firms satisfies the requirement that homeowners maintain flood coverage on mortgaged properties that are backed by a federal guarantee and located in a flood zone.
2
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[]
[ "Legislative", "language", "consideration", "Representatives" ]
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913144_18_item7_p213_s1
913144_17_item7_p227_s1
The bill also would direct FEMA to consider policy holders who drop a NFIP policy and then later return to the NFIP as having continuous coverage if they can demonstrate that a flood insurance policy from a private firm was maintained throughout the interim period.
Draft language also would direct FEMA to consider policy holders who discontinue an NFIP policy and then later return to the NFIP as having continuous coverage if they can demonstrate that a flood insurance policy from a private firm was maintained throughout the interim period.
2
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[]
[ "Draft", "language", "discontinue" ]
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913144_18_item7_p213_s4
913144_17_item7_p227_s3
However, we cannot assure you that such legislation will indeed be enacted or that such benefits will be recognized if it is.
We cannot assure you that such legislation will indeed be enacted or that the private market for residential flood protection will be enhanced if it is.
2
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[]
[ "private", "market", "residential", "flood", "protection", "enhanced" ]
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913144_18_item7_p2_s6
913144_17_item7_p2_s3
We continually explore appropriate and efficient ways to address the risk needs of our clients.
We continually explore appropriate and efficient ways to address the risk needs of our clients and the impact of various regulatory and legislative changes on our operations.
2
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913144_18_item7_p24_s2
913144_17_item7_p30_s0
reasonable range of possible outcomes in our underlying assumptions.
In addition, the sensitivity analysis only reflects a reasonable range of possible outcomes in our underlying assumptions.
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[ "addition", "sensitivity", "analysis", "reflects" ]
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913144_18_item7_p34_s3
913144_17_item7_p30_s0
reasonable range of possible outcomes in our underlying assumptions.
In addition, the sensitivity analysis only reflects a reasonable range of possible outcomes in our underlying assumptions.
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[ "reasonable", "range", "of", "possible", "outcomes", "in", "our", "underlying", "assumptions", "." ]
[ "In", "addition", ",", "the", "sensitivity", "analysis", "only", "reflects", "a", "reasonable", "range", "of", "possible", "outcomes", "in", "our", "underlying", "assumptions", "." ]
[]
[ "addition", "sensitivity", "analysis", "reflects" ]
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913144_18_item7_p35_s1
913144_17_item7_p30_s2
For example, we could be liable for events for which we have not estimated claims and claim expenses or for exposures we do not currently believe are covered under our policies.
For example, we could be liable for events that we have not estimated reserves for, or for exposures we do not currently believe are covered under our contracts.
2
[ "<tag1>", "For", "example", ",", "we", "could", "be", "liable", "for", "events", "for", "which", "we", "have", "not", "estimated", "claims", "and", "claim", "expenses", "or", "for", "exposures", "we", "do", "not", "currently", "believe", "are", "covered", "under", "our", "policies", ".", "<tag2>", "For", "example", ",", "we", "could", "be", "liable", "for", "events", "that", "we", "have", "not", "estimated", "reserves", "for", ",", "or", "for", "exposures", "we", "do", "not", "currently", "believe", "are", "covered", "under", "our", "contracts", ".", "<tag3>" ]
[ "For", "example", ",", "we", "could", "be", "liable", "for", "events", "for", "which", "we", "have", "not", "estimated", "claims", "and", "claim", "expenses", "or", "for", "exposures", "we", "do", "not", "currently", "believe", "are", "covered", "under", "our", "policies", "." ]
[ "For", "example", ",", "we", "could", "be", "liable", "for", "events", "that", "we", "have", "not", "estimated", "reserves", "for", ",", "or", "for", "exposures", "we", "do", "not", "currently", "believe", "are", "covered", "under", "our", "contracts", "." ]
[]
[ "reserves", "contracts" ]
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913144_18_item7_p35_s2
913144_17_item7_p30_s3
These changes could result in significantly larger changes to our estimated incurred claims and claim expenses, net income and shareholders equity than those noted above, and could be recorded across multiple periods.
These changes could result in significantly larger changes to reserves for claims and claim expenses, net income and shareholders equity than those noted above, and could be recorded across multiple periods.
2
[ "<tag1>", "These", "changes", "could", "result", "in", "significantly", "larger", "changes", "to", "our", "estimated", "incurred", "claims", "and", "claim", "expenses", ",", "net", "income", "and", "shareholders", "equity", "than", "those", "noted", "above", ",", "and", "could", "be", "recorded", "across", "multiple", "periods", ".", "<tag2>", "These", "changes", "could", "result", "in", "significantly", "larger", "changes", "to", "reserves", "for", "claims", "and", "claim", "expenses", ",", "net", "income", "and", "shareholders", "equity", "than", "those", "noted", "above", ",", "and", "could", "be", "recorded", "across", "multiple", "periods", ".", "<tag3>" ]
[ "These", "changes", "could", "result", "in", "significantly", "larger", "changes", "to", "our", "estimated", "incurred", "claims", "and", "claim", "expenses", ",", "net", "income", "and", "shareholders", "equity", "than", "those", "noted", "above", ",", "and", "could", "be", "recorded", "across", "multiple", "periods", "." ]
[ "These", "changes", "could", "result", "in", "significantly", "larger", "changes", "to", "reserves", "for", "claims", "and", "claim", "expenses", ",", "net", "income", "and", "shareholders", "equity", "than", "those", "noted", "above", ",", "and", "could", "be", "recorded", "across", "multiple", "periods", "." ]
[]
[ "reserves" ]
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913144_18_item7_p15_s0
913144_17_item7_p31_s0
Casualty and Specialty Segment Actual Results vs. Initial Estimates As discussed above, the key assumption in estimating reserves for our Casualty and Specialty segment is our estimate of incurred claims and claim expenses.
Property Segment Actual Results vs. Initial Estimates As discussed above, the key assumption in estimating reserves for our Property segment is our estimate of incurred claims and claim expenses.
2
[ "<tag1>", "Casualty", "and", "Specialty", "Segment", "Actual", "Results", "vs.", "Initial", "Estimates", "As", "discussed", "above", ",", "the", "key", "assumption", "in", "estimating", "reserves", "for", "our", "Casualty", "and", "Specialty", "segment", "is", "our", "estimate", "of", "incurred", "claims", "and", "claim", "expenses", ".", "<tag2>", "Property", "Segment", "Actual", "Results", "vs.", "Initial", "Estimates", "As", "discussed", "above", ",", "the", "key", "assumption", "in", "estimating", "reserves", "for", "our", "Property", "segment", "is", "our", "estimate", "of", "incurred", "claims", "and", "claim", "expenses", ".", "<tag3>" ]
[ "Casualty", "and", "Specialty", "Segment", "Actual", "Results", "vs.", "Initial", "Estimates", "As", "discussed", "above", ",", "the", "key", "assumption", "in", "estimating", "reserves", "for", "our", "Casualty", "and", "Specialty", "segment", "is", "our", "estimate", "of", "incurred", "claims", "and", "claim", "expenses", "." ]
[ "Property", "Segment", "Actual", "Results", "vs.", "Initial", "Estimates", "As", "discussed", "above", ",", "the", "key", "assumption", "in", "estimating", "reserves", "for", "our", "Property", "segment", "is", "our", "estimate", "of", "incurred", "claims", "and", "claim", "expenses", "." ]
[]
[ "Property", "Property" ]
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913144_18_item7_p17_s0
913144_17_item7_p33_s0
The following table details our Casualty and Specialty segment incurred claims and claim expenses, net of reinsurance, as of December 31, 2016 .
The following table details our Property segment incurred claims and claim expenses, net of reinsurance, as of December 31, 2017 .
2
[ "<tag1>", "The", "following", "table", "details", "our", "Casualty", "and", "Specialty", "segment", "incurred", "claims", "and", "claim", "expenses", ",", "net", "of", "reinsurance", ",", "as", "of", "December", "31", ",", "2016", ".", "<tag2>", "The", "following", "table", "details", "our", "Property", "segment", "incurred", "claims", "and", "claim", "expenses", ",", "net", "of", "reinsurance", ",", "as", "of", "December", "31", ",", "2017", ".", "<tag3>" ]
[ "The", "following", "table", "details", "our", "Casualty", "and", "Specialty", "segment", "incurred", "claims", "and", "claim", "expenses", ",", "net", "of", "reinsurance", ",", "as", "of", "December", "31", ",", "2016", "." ]
[ "The", "following", "table", "details", "our", "Property", "segment", "incurred", "claims", "and", "claim", "expenses", ",", "net", "of", "reinsurance", ",", "as", "of", "December", "31", ",", "2017", "." ]
[]
[ "Property" ]
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913144_18_item7_p29_s2
913144_17_item7_p35_s0
paid net claims and claim expenses associated with the 2007 accident year coming in less than expected, which has resulted in a reduction in our expected ultimate claims and claim expense ratio for this accident year.
This decrease was principally driven by actual reported and paid net claims and claim expenses associated with the 2013 accident year coming in less than expected, which has resulted in a reduction in our expected ultimate claims and claim expense ratio for this accident year.
2
[ "<tag1>", "paid", "net", "claims", "and", "claim", "expenses", "associated", "with", "the", "2007", "accident", "year", "coming", "in", "less", "than", "expected", ",", "which", "has", "resulted", "in", "a", "reduction", "in", "our", "expected", "ultimate", "claims", "and", "claim", "expense", "ratio", "for", "this", "accident", "year", ".", "<tag2>", "This", "decrease", "was", "principally", "driven", "by", "actual", "reported", "and", "paid", "net", "claims", "and", "claim", "expenses", "associated", "with", "the", "2013", "accident", "year", "coming", "in", "less", "than", "expected", ",", "which", "has", "resulted", "in", "a", "reduction", "in", "our", "expected", "ultimate", "claims", "and", "claim", "expense", "ratio", "for", "this", "accident", "year", ".", "<tag3>" ]
[ "paid", "net", "claims", "and", "claim", "expenses", "associated", "with", "the", "2007", "accident", "year", "coming", "in", "less", "than", "expected", ",", "which", "has", "resulted", "in", "a", "reduction", "in", "our", "expected", "ultimate", "claims", "and", "claim", "expense", "ratio", "for", "this", "accident", "year", "." ]
[ "This", "decrease", "was", "principally", "driven", "by", "actual", "reported", "and", "paid", "net", "claims", "and", "claim", "expenses", "associated", "with", "the", "2013", "accident", "year", "coming", "in", "less", "than", "expected", ",", "which", "has", "resulted", "in", "a", "reduction", "in", "our", "expected", "ultimate", "claims", "and", "claim", "expense", "ratio", "for", "this", "accident", "year", "." ]
[]
[ "decrease", "principally", "driven", "actual", "reported" ]
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913144_18_item7_p31_s0
913144_17_item7_p37_s0
The Bornhuetter-Ferguson method estimates our expected ultimate claims and claim expenses by applying our initial estimated loss ratio to our undeveloped premium, and adding the reported losses to the estimate.
estimates our expected ultimate claims and claim expenses by applying our initial estimated loss ratio to our undeveloped premium, and adding the reported losses to the estimate.
2
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[ "estimates", "our", "expected", "ultimate", "claims", "and", "claim", "expenses", "by", "applying", "our", "initial", "estimated", "loss", "ratio", "to", "our", "undeveloped", "premium", ",", "and", "adding", "the", "reported", "losses", "to", "the", "estimate", "." ]
[]
[]
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913144_18_item7_p24_s4
913144_17_item7_p40_s5
For example, we could be liable for events that we have not estimated reserves for, or for exposures we do not currently believe are covered under our contracts.
For example, we could be liable for events for which we have not estimated claims and claim expenses or for exposures we do not currently believe are covered under our policies.
2
[ "<tag1>", "For", "example", ",", "we", "could", "be", "liable", "for", "events", "that", "we", "have", "not", "estimated", "reserves", "for", ",", "or", "for", "exposures", "we", "do", "not", "currently", "believe", "are", "covered", "under", "our", "contracts", ".", "<tag2>", "For", "example", ",", "we", "could", "be", "liable", "for", "events", "for", "which", "we", "have", "not", "estimated", "claims", "and", "claim", "expenses", "or", "for", "exposures", "we", "do", "not", "currently", "believe", "are", "covered", "under", "our", "policies", ".", "<tag3>" ]
[ "For", "example", ",", "we", "could", "be", "liable", "for", "events", "that", "we", "have", "not", "estimated", "reserves", "for", ",", "or", "for", "exposures", "we", "do", "not", "currently", "believe", "are", "covered", "under", "our", "contracts", "." ]
[ "For", "example", ",", "we", "could", "be", "liable", "for", "events", "for", "which", "we", "have", "not", "estimated", "claims", "and", "claim", "expenses", "or", "for", "exposures", "we", "do", "not", "currently", "believe", "are", "covered", "under", "our", "policies", "." ]
[]
[ "claims", "claim", "expenses", "policies" ]
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913144_18_item7_p24_s5
913144_17_item7_p40_s6
These changes could result in significantly larger changes to reserves for claims and claim expenses, net income and shareholders equity than those noted above, and could be recorded across multiple periods.
These changes could result in significantly larger changes to our estimated incurred claims and claim expenses, net income and shareholders equity than those noted above, and could be recorded across multiple periods.
2
[ "<tag1>", "These", "changes", "could", "result", "in", "significantly", "larger", "changes", "to", "reserves", "for", "claims", "and", "claim", "expenses", ",", "net", "income", "and", "shareholders", "equity", "than", "those", "noted", "above", ",", "and", "could", "be", "recorded", "across", "multiple", "periods", ".", "<tag2>", "These", "changes", "could", "result", "in", "significantly", "larger", "changes", "to", "our", "estimated", "incurred", "claims", "and", "claim", "expenses", ",", "net", "income", "and", "shareholders", "equity", "than", "those", "noted", "above", ",", "and", "could", "be", "recorded", "across", "multiple", "periods", ".", "<tag3>" ]
[ "These", "changes", "could", "result", "in", "significantly", "larger", "changes", "to", "reserves", "for", "claims", "and", "claim", "expenses", ",", "net", "income", "and", "shareholders", "equity", "than", "those", "noted", "above", ",", "and", "could", "be", "recorded", "across", "multiple", "periods", "." ]
[ "These", "changes", "could", "result", "in", "significantly", "larger", "changes", "to", "our", "estimated", "incurred", "claims", "and", "claim", "expenses", ",", "net", "income", "and", "shareholders", "equity", "than", "those", "noted", "above", ",", "and", "could", "be", "recorded", "across", "multiple", "periods", "." ]
[]
[ "estimated", "incurred" ]
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913144_18_item7_p5_s0
913144_17_item7_p4_s0
The net claims and claim expense ratio is calculated by dividing net claims and claim expenses incurred by net premiums earned.
The current accident year net claims and claim expense ratio is calculated by taking current accident year net claims and claim expenses incurred, divided by net premiums earned.
2
[ "<tag1>", "The", "net", "claims", "and", "claim", "expense", "ratio", "is", "calculated", "by", "dividing", "net", "claims", "and", "claim", "expenses", "incurred", "by", "net", "premiums", "earned", ".", "<tag2>", "The", "current", "accident", "year", "net", "claims", "and", "claim", "expense", "ratio", "is", "calculated", "by", "taking", "current", "accident", "year", "net", "claims", "and", "claim", "expenses", "incurred", ",", "divided", "by", "net", "premiums", "earned", ".", "<tag3>" ]
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[]
[ "current", "accident", "year", "taking", "current", "accident", "year", "divided" ]
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913144_18_item7_p5_s1
913144_17_item7_p4_s0
The net claims and claim expense ratio is calculated by dividing net claims and claim expenses incurred by net premiums earned.
The prior accident years net claims and claim expense ratio is calculated by taking prior accident years net claims and claim expenses incurred, divided by net premiums earned.
2
[ "<tag1>", "The", "net", "claims", "and", "claim", "expense", "ratio", "is", "calculated", "by", "dividing", "net", "claims", "and", "claim", "expenses", "incurred", "by", "net", "premiums", "earned", ".", "<tag2>", "The", "prior", "accident", "years", "net", "claims", "and", "claim", "expense", "ratio", "is", "calculated", "by", "taking", "prior", "accident", "years", "net", "claims", "and", "claim", "expenses", "incurred", ",", "divided", "by", "net", "premiums", "earned", ".", "<tag3>" ]
[ "The", "net", "claims", "and", "claim", "expense", "ratio", "is", "calculated", "by", "dividing", "net", "claims", "and", "claim", "expenses", "incurred", "by", "net", "premiums", "earned", "." ]
[ "The", "prior", "accident", "years", "net", "claims", "and", "claim", "expense", "ratio", "is", "calculated", "by", "taking", "prior", "accident", "years", "net", "claims", "and", "claim", "expenses", "incurred", ",", "divided", "by", "net", "premiums", "earned", "." ]
[]
[ "prior", "accident", "years", "taking", "prior", "accident", "years", "divided" ]
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913144_18_item7_p4_s4
913144_17_item7_p4_s3
A combined ratio below 100% indicates profitable underwriting prior to the consideration of investment income.
A combined ratio over 100% indicates unprofitable underwriting prior to the consideration of investment income.
2
[ "<tag1>", "A", "combined", "ratio", "below", "100", "%", "indicates", "profitable", "underwriting", "prior", "to", "the", "consideration", "of", "investment", "income", ".", "<tag2>", "A", "combined", "ratio", "over", "100", "%", "indicates", "unprofitable", "underwriting", "prior", "to", "the", "consideration", "of", "investment", "income", ".", "<tag3>" ]
[ "A", "combined", "ratio", "below", "100", "%", "indicates", "profitable", "underwriting", "prior", "to", "the", "consideration", "of", "investment", "income", "." ]
[ "A", "combined", "ratio", "over", "100", "%", "indicates", "unprofitable", "underwriting", "prior", "to", "the", "consideration", "of", "investment", "income", "." ]
[]
[ "unprofitable" ]
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913144_18_item7_p4_s3
913144_17_item7_p4_s4
A combined ratio over 100% indicates unprofitable underwriting prior to the consideration of investment income.
A combined ratio below 100% indicates profitable underwriting prior to the consideration of investment income.
2
[ "<tag1>", "A", "combined", "ratio", "over", "100", "%", "indicates", "unprofitable", "underwriting", "prior", "to", "the", "consideration", "of", "investment", "income", ".", "<tag2>", "A", "combined", "ratio", "below", "100", "%", "indicates", "profitable", "underwriting", "prior", "to", "the", "consideration", "of", "investment", "income", ".", "<tag3>" ]
[ "A", "combined", "ratio", "over", "100", "%", "indicates", "unprofitable", "underwriting", "prior", "to", "the", "consideration", "of", "investment", "income", "." ]
[ "A", "combined", "ratio", "below", "100", "%", "indicates", "profitable", "underwriting", "prior", "to", "the", "consideration", "of", "investment", "income", "." ]
[]
[ "profitable" ]
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913144_18_item7_p45_s7
913144_17_item7_p52_s0
recoverable will not be collected for some time, economic conditions as well as the financial and operational performance of a particular reinsurer may change, and these changes may affect the reinsurer s willingness and ability to meet their contractual obligations to us.
In addition, because the majority of the balances recoverable will not be collected for some time, economic conditions as well as the financial and operational performance of a particular reinsurer may change, and these changes may affect the reinsurer s willingness and ability to meet their contractual obligations to us.
2
[ "<tag1>", "recoverable", "will", "not", "be", "collected", "for", "some", "time", ",", "economic", "conditions", "as", "well", "as", "the", "financial", "and", "operational", "performance", "of", "a", "particular", "reinsurer", "may", "change", ",", "and", "these", "changes", "may", "affect", "the", "reinsurer", "s", "willingness", "and", "ability", "to", "meet", "their", "contractual", "obligations", "to", "us", ".", "<tag2>", "In", "addition", ",", "because", "the", "majority", "of", "the", "balances", "recoverable", "will", "not", "be", "collected", "for", "some", "time", ",", "economic", "conditions", "as", "well", "as", "the", "financial", "and", "operational", "performance", "of", "a", "particular", "reinsurer", "may", "change", ",", "and", "these", "changes", "may", "affect", "the", "reinsurer", "s", "willingness", "and", "ability", "to", "meet", "their", "contractual", "obligations", "to", "us", ".", "<tag3>" ]
[ "recoverable", "will", "not", "be", "collected", "for", "some", "time", ",", "economic", "conditions", "as", "well", "as", "the", "financial", "and", "operational", "performance", "of", "a", "particular", "reinsurer", "may", "change", ",", "and", "these", "changes", "may", "affect", "the", "reinsurer", "s", "willingness", "and", "ability", "to", "meet", "their", "contractual", "obligations", "to", "us", "." ]
[ "In", "addition", ",", "because", "the", "majority", "of", "the", "balances", "recoverable", "will", "not", "be", "collected", "for", "some", "time", ",", "economic", "conditions", "as", "well", "as", "the", "financial", "and", "operational", "performance", "of", "a", "particular", "reinsurer", "may", "change", ",", "and", "these", "changes", "may", "affect", "the", "reinsurer", "s", "willingness", "and", "ability", "to", "meet", "their", "contractual", "obligations", "to", "us", "." ]
[]
[ "addition", "majority", "balances" ]
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913144_18_item7_p49_s1
913144_17_item7_p65_s0
is determined based on the lowest level input that is significant to the fair value measurement of the asset or liability.
In such cases, the level in the fair value hierarchy within which the fair value measurement in its entirety falls has been determined based on the lowest level input that is significant to the fair value measurement of the asset or liability.
2
[ "<tag1>", "is", "determined", "based", "on", "the", "lowest", "level", "input", "that", "is", "significant", "to", "the", "fair", "value", "measurement", "of", "the", "asset", "or", "liability", ".", "<tag2>", "In", "such", "cases", ",", "the", "level", "in", "the", "fair", "value", "hierarchy", "within", "which", "the", "fair", "value", "measurement", "in", "its", "entirety", "falls", "has", "been", "determined", "based", "on", "the", "lowest", "level", "input", "that", "is", "significant", "to", "the", "fair", "value", "measurement", "of", "the", "asset", "or", "liability", ".", "<tag3>" ]
[ "is", "determined", "based", "on", "the", "lowest", "level", "input", "that", "is", "significant", "to", "the", "fair", "value", "measurement", "of", "the", "asset", "or", "liability", "." ]
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[]
[ "cases", "hierarchy", "within", "entirety", "falls" ]
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913144_18_item7_p56_s2
913144_17_item7_p65_s0
is determined based on the lowest level input that is significant to the fair value measurement of the asset or liability.
In such cases, the level in the fair value hierarchy within which the fair value measurement in its entirety is classified is determined based on the lowest level input that is significant to the fair value measurement of the asset or liability.
2
[ "<tag1>", "is", "determined", "based", "on", "the", "lowest", "level", "input", "that", "is", "significant", "to", "the", "fair", "value", "measurement", "of", "the", "asset", "or", "liability", ".", "<tag2>", "In", "such", "cases", ",", "the", "level", "in", "the", "fair", "value", "hierarchy", "within", "which", "the", "fair", "value", "measurement", "in", "its", "entirety", "is", "classified", "is", "determined", "based", "on", "the", "lowest", "level", "input", "that", "is", "significant", "to", "the", "fair", "value", "measurement", "of", "the", "asset", "or", "liability", ".", "<tag3>" ]
[ "is", "determined", "based", "on", "the", "lowest", "level", "input", "that", "is", "significant", "to", "the", "fair", "value", "measurement", "of", "the", "asset", "or", "liability", "." ]
[ "In", "such", "cases", ",", "the", "level", "in", "the", "fair", "value", "hierarchy", "within", "which", "the", "fair", "value", "measurement", "in", "its", "entirety", "is", "classified", "is", "determined", "based", "on", "the", "lowest", "level", "input", "that", "is", "significant", "to", "the", "fair", "value", "measurement", "of", "the", "asset", "or", "liability", "." ]
[]
[ "cases", "hierarchy", "within", "entirety", "classified" ]
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[ -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, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
913144_18_item7_p59_s0
913144_17_item7_p67_s6
Acquisition of Platinum in our Notes to the Consolidated Financial Statements .
Notes to the Consolidated Financial Statements .
2
[ "<tag1>", "Acquisition", "of", "Platinum", "in", "our", "Notes", "to", "the", "Consolidated", "Financial", "Statements", ".", "<tag2>", "Notes", "to", "the", "Consolidated", "Financial", "Statements", ".", "<tag3>" ]
[ "Acquisition", "of", "Platinum", "in", "our", "Notes", "to", "the", "Consolidated", "Financial", "Statements", "." ]
[ "Notes", "to", "the", "Consolidated", "Financial", "Statements", "." ]
[]
[]
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[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, -1 ]
913144_18_item7_p61_s0
913144_17_item7_p68_s5
For purposes of the annual impairment evaluation, goodwill is assigned to the applicable reporting unit of the acquired entities giving rise to the goodwill and other intangible assets and is tested based on the cash flows they produce.
Goodwill is assigned to the applicable reporting unit of the acquired entities giving rise to the goodwill and other intangible assets.
2
[ "<tag1>", "For", "purposes", "of", "the", "annual", "impairment", "evaluation", ",", "goodwill", "is", "assigned", "to", "the", "applicable", "reporting", "unit", "of", "the", "acquired", "entities", "giving", "rise", "to", "the", "goodwill", "and", "other", "intangible", "assets", "and", "is", "tested", "based", "on", "the", "cash", "flows", "they", "produce", ".", "<tag2>", "Goodwill", "is", "assigned", "to", "the", "applicable", "reporting", "unit", "of", "the", "acquired", "entities", "giving", "rise", "to", "the", "goodwill", "and", "other", "intangible", "assets", ".", "<tag3>" ]
[ "For", "purposes", "of", "the", "annual", "impairment", "evaluation", ",", "goodwill", "is", "assigned", "to", "the", "applicable", "reporting", "unit", "of", "the", "acquired", "entities", "giving", "rise", "to", "the", "goodwill", "and", "other", "intangible", "assets", "and", "is", "tested", "based", "on", "the", "cash", "flows", "they", "produce", "." ]
[ "Goodwill", "is", "assigned", "to", "the", "applicable", "reporting", "unit", "of", "the", "acquired", "entities", "giving", "rise", "to", "the", "goodwill", "and", "other", "intangible", "assets", "." ]
[]
[ "Goodwill" ]
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913144_18_item7_p125_s6
913144_17_item7_p72_s1
Goodwill and Other Intangible Assets in our Notes to the Consolidated Financial Statements for additional information.
Subsequent Events in our Notes to the Consolidated Financial Statements for additional information regarding DaVinciRe.
2
[ "<tag1>", "Goodwill", "and", "Other", "Intangible", "Assets", "in", "our", "Notes", "to", "the", "Consolidated", "Financial", "Statements", "for", "additional", "information", ".", "<tag2>", "Subsequent", "Events", "in", "our", "Notes", "to", "the", "Consolidated", "Financial", "Statements", "for", "additional", "information", "regarding", "DaVinciRe", ".", "<tag3>" ]
[ "Goodwill", "and", "Other", "Intangible", "Assets", "in", "our", "Notes", "to", "the", "Consolidated", "Financial", "Statements", "for", "additional", "information", "." ]
[ "Subsequent", "Events", "in", "our", "Notes", "to", "the", "Consolidated", "Financial", "Statements", "for", "additional", "information", "regarding", "DaVinciRe", "." ]
[]
[ "Subsequent", "Events", "regarding", "DaVinciRe" ]
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913144_18_item7_p125_s6
913144_17_item7_p76_s3
Taxation in our Notes to the Consolidated Financial Statements for additional information).
Subsequent Events in our Notes to the Consolidated Financial Statements for additional information regarding DaVinciRe.
2
[ "<tag1>", "Taxation", "in", "our", "Notes", "to", "the", "Consolidated", "Financial", "Statements", "for", "additional", "information", ")", ".", "<tag2>", "Subsequent", "Events", "in", "our", "Notes", "to", "the", "Consolidated", "Financial", "Statements", "for", "additional", "information", "regarding", "DaVinciRe", ".", "<tag3>" ]
[ "Taxation", "in", "our", "Notes", "to", "the", "Consolidated", "Financial", "Statements", "for", "additional", "information", ")", "." ]
[ "Subsequent", "Events", "in", "our", "Notes", "to", "the", "Consolidated", "Financial", "Statements", "for", "additional", "information", "regarding", "DaVinciRe", "." ]
[]
[ "Subsequent", "Events", "regarding", "DaVinciRe" ]
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913144_18_item7_p74_s2
913144_17_item7_p82_s2
As a result of our net income available to RenaissanceRe common shareholders in 2016 , we generated an annualized return on average common equity of 11.0% and our book value per common share increased from $99.13 at December 31, 2015 to $108.45 at December 31, 2016 , a 10.7% increase, after considering the change in accumulated dividends paid to our common shareholders, and the impact of repurchasing an aggregate of 2.7 million common shares in open market transactions.
As a result of our net loss attributable to RenaissanceRe common shareholders in 2017 , our annualized return on average common equity was negative 5.7% and our book value per common share decreased from $108.45 at December 31, 2016 to $99.72 at December 31, 2017 , a 6.9% decrease , after considering the change in accumulated dividends paid to our common shareholders, and the impact of repurchasing an aggregate of 1.3 million common shares in open market transactions.
2
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913144_18_item7_p80_s0
913144_17_item7_p85_s0
Higher Income Tax Expense - we recognized $0.3 million of income tax expense in 2016 , compared to an income tax benefit of $45.9 million in 2015 , representing a $46.2 million change in income tax expense, primarily due to a decrease in our U.S.-based deferred tax asset valuation allowance from $48.5 million to $1.0 million in 2015 , as a result of expected profits in our U.S.-based operations due principally to the acquisition of Platinum; and Net Negative Impact of the Fort McMurray Wildfire, the 2016 Texas Events and Hurricane Matthew Net negative impact includes the sum of estimates of net claims and claim expenses incurred, earned reinstatement premiums assumed and ceded, lost profit commissions and redeemable noncontrolling interest - DaVinci Re.
Higher Income Tax Expense - we recognized $0.3 million of income tax expense in 2016, compared to an income tax benefit of $45.9 million in 2015, representing a $46.2 million change in income tax expense, primarily due to a decrease in our U.S.-based deferred tax asset valuation allowance from $48.5 million to $1.0 million in 2015, as a result of expected profits in our U.S.-based operations due principally to the acquisition of Platinum; and Acquisition of Platinum We acquired Platinum on March 2, 2015.
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913144_18_item7_p76_s0
913144_17_item7_p90_s0
Lower Total Investment Result - our total investment result, which includes the sum of net investment income, net realized and unrealized gains (losses) on investments, and the change in net unrealized gains on fixed maturity investments available for sale, was $82.4 million in 2015 compared to $164.9 million in 2014, a decrease of $82.5 million.
Investment Results - our total investment result, which includes the sum of net investment income, net realized and unrealized gains on investments, and the change in net unrealized gains on fixed maturity investments available for sale, was $358.0 million in 2017 , compared to $321.2 million in 2016 , an increase of $36.8 million .
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913144_18_item7_p78_s0
913144_17_item7_p90_s0
Lower Total Investment Result - our total investment result, which includes the sum of net investment income, net realized and unrealized gains (losses) on investments, and the change in net unrealized gains on fixed maturity investments available for sale, was $82.4 million in 2015 compared to $164.9 million in 2014, a decrease of $82.5 million.
Higher Investment Results - our total investment result of $321.2 million in 2016, which includes the sum of net investment income, net realized and unrealized gains (losses) on investments, and the change in net unrealized gains on fixed maturity investments available for sale, increased $238.8 million from $82.4 million in 2015.
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[]
[ "Higher", "Results", "321.2", "increased", "238.8" ]
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913144_18_item7_p98_s0
913144_17_item7_p92_s0
Underwriting Results by Segment Property Segment Below is a summary of the underwriting results and ratios for our Property segment:
Casualty and Specialty Segment Below is a summary of the underwriting results and ratios for our Casualty and Specialty segment:
2
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[]
[ "Casualty", "Specialty", "Casualty", "Specialty" ]
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913144_18_item7_p87_s1
913144_17_item7_p93_s2
However, we were able to increase our participation on a select number of transactions we believe have comparably attractive risk-return attributes, while continuing to exercise underwriting discipline given prevailing market terms and conditions.
However, we were able to increase our participation on a select number of transactions we believe have comparably attractive risk-return attributes and enter into certain new contracts following the occurrence of the Q3 2017 Catastrophe Events , while continuing to exercise underwriting discipline given prevailing market terms and conditions.
2
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[]
[ "enter", "certain", "new", "contracts", "following", "occurrence", "Q3", "2017", "Catastrophe", "Events" ]
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916365_12_item7_p85_s1
916365_11_item7_p101_s1
As a percent of sales, gross margin increased to 33.1% for fiscal 2010 compared to 32.5% for fiscal 2009.
As a percent of sales, gross margin increased 60 basis points to 33.1% for fiscal 2010 compared to 32.5% for fiscal 2009.
2
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[]
[ "60", "basis", "points" ]
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916365_12_item7_p86_s1
916365_11_item7_p102_s1
The improvement as a percent to sales was primarily attributable to the leverage of strong same-store sales and expense management, partially offset by an increase in incentive compensation expense.
The SG A improvement as a percent of sales was primarily attributable to the leverage of strong same-store sales and expense management, partially offset by an increase in incentive compensation expense.
2
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[]
[ "SG" ]
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916365_12_item7_p97_s0
916365_11_item7_p127_s0
The Credit Agreement requires quarterly compliance with respect to two material covenants: a fixed charge coverage ratio and a leverage ratio.
The Senior Credit Facility requires quarterly compliance with respect to two material covenants: a fixed charge coverage ratio and a leverage ratio.
2
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[]
[ "Senior", "Facility" ]
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916365_12_item7_p97_s3
916365_11_item7_p127_s3
The Credit Agreement also contains certain other restrictions regarding additional indebtedness, capital expenditures, business operations, guarantees, investments, mergers, consolidations and sales of assets, transactions with subsidiar ies or affiliates, and liens.
The Senior Credit Facility also contains certain other restrictions regarding additional indebtedness, capital expenditures, business operations, guarantees, investments, mergers, consolidations and sales of assets, transactions with subsidiaries or affiliates, and liens.
2
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[ "Senior", "Facility", "subsidiaries" ]
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916365_12_item7_p121_s2
916365_11_item7_p12_s2
We believe, however, that the impact of extreme weather conditions is somewhat mitigated by the geographic dispersion of our stores.
We believe, however, that the impact of extreme weather conditions is somewhat mitigated by the geographic dispersion of our stores and our ability to effectively manage inventory allocation.
2
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916365_12_item7_p103_s0
916365_11_item7_p131_s0
Accrued expenses increased as a result of timing of pa yments as well as incentive compensation earned in fiscal 2010 but not paid until fiscal 2011.
The increase in cash provided by accrued expenses is a result of timing of payments as well as incentive compensation earned in fiscal 2010 but not paid until fiscal 2011.
2
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916365_12_item7_p101_s0
916365_11_item7_p132_s0
The $2.4 million decrease in net cash provided by operations in fiscal 2009 over fiscal 2008 is primarily due to changes in the following operating activities (in millions):
The $7.3 million increase in net cash provided by operations in fiscal 2010 over fiscal 2009 is primarily due to changes in the following operating activities (in millions):
2
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[]
[ "7.3", "increase" ]
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916365_12_item7_p99_s0
916365_11_item7_p132_s0
The $2.4 million decrease in net cash provided by operations in fiscal 2009 over fiscal 2008 is primarily due to changes in the following operating activities (in millions):
The $31.5 million increase in net cash provided by operations in fiscal 2011 over fiscal 2010 is primarily due to changes in the following operating activities (in millions):
2
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[]
[ "31.5", "increase" ]
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916365_12_item7_p103_s0
916365_11_item7_p133_s3
Accrued expenses increased as a result of timing of payments as well as incentive compensation earned in fiscal 2009 but not paid until fiscal 2010.
The increase in cash provided by accrued expenses is a result of timing of payments as well as incentive compensation earned in fiscal 2010 but not paid until fiscal 2011.
2
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[]
[ "increase", "cash", "provided", "accrued" ]
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916365_12_item7_p111_s0
916365_11_item7_p140_s0
We believe that our existing cash balances, expected cash flow from future operations, borrowings available under the Credit Agreement, and normal trade credit will be sufficient to fund our operations and our capital expenditure needs, including store openings, relocations and renovations, over the next several years.
We believe that our existing cash balances, expected cash flow from future operations, borrowings available under the Senior Credit Facility, operating and capital leases and normal trade credit will be sufficient to fund our operations and our capital expenditure needs, including new store openings, store acquisitions, relocations and renovations, and distribution center capacity, over the next several years.
2
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[]
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916365_12_item7_p116_s0
916365_11_item7_p145_s0
Our off-balance sheet arrangements consist of operating leases and outstanding letters of credit.
Our off-balance sheet arrangements are limited to operating leases and outstanding letters of credit.
2
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[ "limited" ]
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916365_12_item7_p120_s0
916365_11_item7_p151_s0
We may be exposed to changes in interest rates primarily from the Credit Agreement.
We may be exposed to changes in interest rates primarily from the Senior Credit Facility.
2
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[]
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916365_12_item7_p15_s0
916365_11_item7_p22_s0
We have not made any material changes in the accounting methodology used to recognize sales returns or breakage in the financial periods presented.
We have not made any material changes in the accounting methodology used to recognize inventory impairment reserves in the financial periods presented.
2
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[]
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916365_12_item7_p21_s0
916365_11_item7_p22_s0
We have not made any material changes in the accounting methodology used to recognize sales returns or breakage in the financial periods presented.
We have not made any material changes in the accounting methodology used to recognize shrinkage in the financial periods presented.
2
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[]
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916365_12_item7_p27_s0
916365_11_item7_p22_s0
We have not made any material changes in the accounting methodology used to recognize sales returns or breakage in the financial periods presented.
We have not made any material changes in the accounting methodology used to establish our vendor support reserves in the financial periods presented.
2
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916365_12_item7_p34_s0
916365_11_item7_p22_s0
We have not made any material changes in the accounting methodology used to recognize sales returns or breakage in the financial periods presented.
We have not made any material changes in the accounting methodology used to establish our capitalized freight balance or freight allocation in the financial periods presented.
2
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916365_12_item7_p40_s0
916365_11_item7_p22_s0
We have not made any material changes in the accounting methodology used to recognize sales returns or breakage in the financial periods presented.
We have not made any material changes in the accounting methodology used to establish our self-insurance reserves in the financial periods presented.
2
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[]
[ "establish", "self", "insurance", "reserves" ]
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916365_12_item7_p54_s0
916365_11_item7_p22_s0
We have not made any material changes in the accounting methodology used to recognize sales returns or breakage in the financial periods presented.
We have not made any material changes in the accounting methodology used to establish our tax contingencies in the financial periods presented.
2
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[]
[ "establish", "tax", "contingencies" ]
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916365_12_item7_p16_s0
916365_11_item7_p23_s0
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate sales returns or gift card and merchandise return card breakage.
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate impairment.
2
[ "<tag1>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "sales", "returns", "or", "gift", "card", "and", "merchandise", "return", "card", "breakage", ".", "<tag2>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "impairment", ".", "<tag3>" ]
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[]
[ "impairment" ]
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916365_12_item7_p22_s0
916365_11_item7_p23_s0
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate sales returns or gift card and merchandise return card breakage.
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate our shrinkage reserve.
2
[ "<tag1>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "sales", "returns", "or", "gift", "card", "and", "merchandise", "return", "card", "breakage", ".", "<tag2>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "our", "shrinkage", "reserve", ".", "<tag3>" ]
[ "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "sales", "returns", "or", "gift", "card", "and", "merchandise", "return", "card", "breakage", "." ]
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[]
[ "shrinkage", "reserve" ]
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916365_12_item7_p41_s0
916365_11_item7_p23_s0
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate sales returns or gift card and merchandise return card breakage.
We do not believe there is a reasonable likelihood that there will be a material change in the assumptions we use to calculate insurance reserves.
2
[ "<tag1>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "sales", "returns", "or", "gift", "card", "and", "merchandise", "return", "card", "breakage", ".", "<tag2>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "assumptions", "we", "use", "to", "calculate", "insurance", "reserves", ".", "<tag3>" ]
[ "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "sales", "returns", "or", "gift", "card", "and", "merchandise", "return", "card", "breakage", "." ]
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[]
[ "insurance", "reserves" ]
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916365_12_item7_p48_s0
916365_11_item7_p23_s0
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate sales returns or gift card and merchandise return card breakage.
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate the sales tax liability reserve.
2
[ "<tag1>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "sales", "returns", "or", "gift", "card", "and", "merchandise", "return", "card", "breakage", ".", "<tag2>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "the", "sales", "tax", "liability", "reserve", ".", "<tag3>" ]
[ "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "sales", "returns", "or", "gift", "card", "and", "merchandise", "return", "card", "breakage", "." ]
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[]
[ "tax", "liability", "reserve" ]
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916365_12_item7_p65_s0
916365_11_item7_p23_s0
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate sales returns or gift card and merchandise return card breakage.
We do not believe there is a reasonable likelihood that there will be a material change in the estimates or assumptions we use to calculate long-lived asset impairment losses.
2
[ "<tag1>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "sales", "returns", "or", "gift", "card", "and", "merchandise", "return", "card", "breakage", ".", "<tag2>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "long", "-", "lived", "asset", "impairment", "losses", ".", "<tag3>" ]
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[]
[ "long", "lived", "asset", "impairment", "losses" ]
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916365_12_item7_p21_s0
916365_11_item7_p29_s0
We have not made any material changes in the accounting methodology used to recognize inventory impairment reserves in the financial periods presented.
We have not made any material changes in the accounting methodology used to recognize shrinkage in the financial periods presented.
2
[ "<tag1>", "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "recognize", "inventory", "impairment", "reserves", "in", "the", "financial", "periods", "presented", ".", "<tag2>", "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "recognize", "shrinkage", "in", "the", "financial", "periods", "presented", ".", "<tag3>" ]
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[]
[ "shrinkage" ]
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916365_12_item7_p27_s0
916365_11_item7_p29_s0
We have not made any material changes in the accounting methodology used to recognize inventory impairment reserves in the financial periods presented.
We have not made any material changes in the accounting methodology used to establish our vendor support reserves in the financial periods presented.
2
[ "<tag1>", "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "recognize", "inventory", "impairment", "reserves", "in", "the", "financial", "periods", "presented", ".", "<tag2>", "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "establish", "our", "vendor", "support", "reserves", "in", "the", "financial", "periods", "presented", ".", "<tag3>" ]
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[ "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "establish", "our", "vendor", "support", "reserves", "in", "the", "financial", "periods", "presented", "." ]
[]
[ "establish", "vendor", "support" ]
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916365_12_item7_p34_s0
916365_11_item7_p29_s0
We have not made any material changes in the accounting methodology used to recognize inventory impairment reserves in the financial periods presented.
We have not made any material changes in the accounting methodology used to establish our capitalized freight balance or freight allocation in the financial periods presented.
2
[ "<tag1>", "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "recognize", "inventory", "impairment", "reserves", "in", "the", "financial", "periods", "presented", ".", "<tag2>", "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "establish", "our", "capitalized", "freight", "balance", "or", "freight", "allocation", "in", "the", "financial", "periods", "presented", ".", "<tag3>" ]
[ "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "recognize", "inventory", "impairment", "reserves", "in", "the", "financial", "periods", "presented", "." ]
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[]
[ "establish", "capitalized", "freight", "balance", "freight", "allocation" ]
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916365_12_item7_p40_s0
916365_11_item7_p29_s0
We have not made any material changes in the accounting methodology used to recognize inventory impairment reserves in the financial periods presented.
We have not made any material changes in the accounting methodology used to establish our self-insurance reserves in the financial periods presented.
2
[ "<tag1>", "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "recognize", "inventory", "impairment", "reserves", "in", "the", "financial", "periods", "presented", ".", "<tag2>", "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "establish", "our", "self", "-", "insurance", "reserves", "in", "the", "financial", "periods", "presented", ".", "<tag3>" ]
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[]
[ "establish", "self", "insurance" ]
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916365_12_item7_p54_s0
916365_11_item7_p29_s0
We have not made any material changes in the accounting methodology used to recognize inventory impairment reserves in the financial periods presented.
We have not made any material changes in the accounting methodology used to establish our tax contingencies in the financial periods presented.
2
[ "<tag1>", "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "recognize", "inventory", "impairment", "reserves", "in", "the", "financial", "periods", "presented", ".", "<tag2>", "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "establish", "our", "tax", "contingencies", "in", "the", "financial", "periods", "presented", ".", "<tag3>" ]
[ "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "recognize", "inventory", "impairment", "reserves", "in", "the", "financial", "periods", "presented", "." ]
[ "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "establish", "our", "tax", "contingencies", "in", "the", "financial", "periods", "presented", "." ]
[]
[ "establish", "tax", "contingencies" ]
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916365_12_item7_p22_s0
916365_11_item7_p30_s0
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate impairment.
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate our shrinkage reserve.
2
[ "<tag1>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "impairment", ".", "<tag2>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "our", "shrinkage", "reserve", ".", "<tag3>" ]
[ "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "impairment", "." ]
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[]
[ "shrinkage", "reserve" ]
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916365_12_item7_p41_s0
916365_11_item7_p30_s0
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate impairment.
We do not believe there is a reasonable likelihood that there will be a material change in the assumptions we use to calculate insurance reserves.
2
[ "<tag1>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "impairment", ".", "<tag2>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "assumptions", "we", "use", "to", "calculate", "insurance", "reserves", ".", "<tag3>" ]
[ "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "impairment", "." ]
[ "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "assumptions", "we", "use", "to", "calculate", "insurance", "reserves", "." ]
[]
[ "insurance", "reserves" ]
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916365_12_item7_p48_s0
916365_11_item7_p30_s0
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate impairment.
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate the sales tax liability reserve.
2
[ "<tag1>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "impairment", ".", "<tag2>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "the", "sales", "tax", "liability", "reserve", ".", "<tag3>" ]
[ "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "impairment", "." ]
[ "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "the", "sales", "tax", "liability", "reserve", "." ]
[]
[ "sales", "tax", "liability", "reserve" ]
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916365_12_item7_p65_s0
916365_11_item7_p30_s0
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate impairment.
We do not believe there is a reasonable likelihood that there will be a material change in the estimates or assumptions we use to calculate long-lived asset impairment losses.
2
[ "<tag1>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "impairment", ".", "<tag2>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "long", "-", "lived", "asset", "impairment", "losses", ".", "<tag3>" ]
[ "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "impairment", "." ]
[ "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "long", "-", "lived", "asset", "impairment", "losses", "." ]
[]
[ "long", "lived", "asset", "losses" ]
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916365_12_item7_p22_s1
916365_11_item7_p30_s1
However, if assumptions regarding consumer demand or clearance potential for certain products are inaccurate, we may be exposed to losses or gains that could be material.
However, if our estimates regarding inventory losses are inaccurate, we may be exposed to losses or gains that could be material.
2
[ "<tag1>", "However", ",", "if", "assumptions", "regarding", "consumer", "demand", "or", "clearance", "potential", "for", "certain", "products", "are", "inaccurate", ",", "we", "may", "be", "exposed", "to", "losses", "or", "gains", "that", "could", "be", "material", ".", "<tag2>", "However", ",", "if", "our", "estimates", "regarding", "inventory", "losses", "are", "inaccurate", ",", "we", "may", "be", "exposed", "to", "losses", "or", "gains", "that", "could", "be", "material", ".", "<tag3>" ]
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[ "However", ",", "if", "our", "estimates", "regarding", "inventory", "losses", "are", "inaccurate", ",", "we", "may", "be", "exposed", "to", "losses", "or", "gains", "that", "could", "be", "material", "." ]
[]
[ "estimates", "inventory" ]
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916365_12_item7_p15_s0
916365_11_item7_p35_s0
We have not made any material changes in the methodology used to recognize shrinkage in the financial periods presented.
We have not made any material changes in the accounting methodology used to recognize inventory impairment reserves in the financial periods presented.
2
[ "<tag1>", "We", "have", "not", "made", "any", "material", "changes", "in", "the", "methodology", "used", "to", "recognize", "shrinkage", "in", "the", "financial", "periods", "presented", ".", "<tag2>", "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "recognize", "inventory", "impairment", "reserves", "in", "the", "financial", "periods", "presented", ".", "<tag3>" ]
[ "We", "have", "not", "made", "any", "material", "changes", "in", "the", "methodology", "used", "to", "recognize", "shrinkage", "in", "the", "financial", "periods", "presented", "." ]
[ "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "recognize", "inventory", "impairment", "reserves", "in", "the", "financial", "periods", "presented", "." ]
[]
[ "accounting", "inventory", "impairment", "reserves" ]
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916365_12_item7_p27_s0
916365_11_item7_p35_s0
We have not made any material changes in the methodology used to recognize shrinkage in the financial periods presented.
We have not made any material changes in the accounting methodology used to establish our vendor support reserves in the financial periods presented.
2
[ "<tag1>", "We", "have", "not", "made", "any", "material", "changes", "in", "the", "methodology", "used", "to", "recognize", "shrinkage", "in", "the", "financial", "periods", "presented", ".", "<tag2>", "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "establish", "our", "vendor", "support", "reserves", "in", "the", "financial", "periods", "presented", ".", "<tag3>" ]
[ "We", "have", "not", "made", "any", "material", "changes", "in", "the", "methodology", "used", "to", "recognize", "shrinkage", "in", "the", "financial", "periods", "presented", "." ]
[ "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "establish", "our", "vendor", "support", "reserves", "in", "the", "financial", "periods", "presented", "." ]
[]
[ "accounting", "establish", "vendor", "support", "reserves" ]
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916365_12_item7_p34_s0
916365_11_item7_p35_s0
We have not made any material changes in the methodology used to recognize shrinkage in the financial periods presented.
We have not made any material changes in the accounting methodology used to establish our capitalized freight balance or freight allocation in the financial periods presented.
2
[ "<tag1>", "We", "have", "not", "made", "any", "material", "changes", "in", "the", "methodology", "used", "to", "recognize", "shrinkage", "in", "the", "financial", "periods", "presented", ".", "<tag2>", "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "establish", "our", "capitalized", "freight", "balance", "or", "freight", "allocation", "in", "the", "financial", "periods", "presented", ".", "<tag3>" ]
[ "We", "have", "not", "made", "any", "material", "changes", "in", "the", "methodology", "used", "to", "recognize", "shrinkage", "in", "the", "financial", "periods", "presented", "." ]
[ "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "establish", "our", "capitalized", "freight", "balance", "or", "freight", "allocation", "in", "the", "financial", "periods", "presented", "." ]
[]
[ "accounting", "establish", "capitalized", "freight", "balance", "freight", "allocation" ]
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916365_12_item7_p40_s0
916365_11_item7_p35_s0
We have not made any material changes in the methodology used to recognize shrinkage in the financial periods presented.
We have not made any material changes in the accounting methodology used to establish our self-insurance reserves in the financial periods presented.
2
[ "<tag1>", "We", "have", "not", "made", "any", "material", "changes", "in", "the", "methodology", "used", "to", "recognize", "shrinkage", "in", "the", "financial", "periods", "presented", ".", "<tag2>", "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "establish", "our", "self", "-", "insurance", "reserves", "in", "the", "financial", "periods", "presented", ".", "<tag3>" ]
[ "We", "have", "not", "made", "any", "material", "changes", "in", "the", "methodology", "used", "to", "recognize", "shrinkage", "in", "the", "financial", "periods", "presented", "." ]
[ "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "establish", "our", "self", "-", "insurance", "reserves", "in", "the", "financial", "periods", "presented", "." ]
[]
[ "accounting", "establish", "self", "insurance", "reserves" ]
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916365_12_item7_p54_s0
916365_11_item7_p35_s0
We have not made any material changes in the methodology used to recognize shrinkage in the financial periods presented.
We have not made any material changes in the accounting methodology used to establish our tax contingencies in the financial periods presented.
2
[ "<tag1>", "We", "have", "not", "made", "any", "material", "changes", "in", "the", "methodology", "used", "to", "recognize", "shrinkage", "in", "the", "financial", "periods", "presented", ".", "<tag2>", "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "establish", "our", "tax", "contingencies", "in", "the", "financial", "periods", "presented", ".", "<tag3>" ]
[ "We", "have", "not", "made", "any", "material", "changes", "in", "the", "methodology", "used", "to", "recognize", "shrinkage", "in", "the", "financial", "periods", "presented", "." ]
[ "We", "have", "not", "made", "any", "material", "changes", "in", "the", "accounting", "methodology", "used", "to", "establish", "our", "tax", "contingencies", "in", "the", "financial", "periods", "presented", "." ]
[]
[ "accounting", "establish", "tax", "contingencies" ]
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916365_12_item7_p64_s0
916365_11_item7_p35_s0
We have not made any material changes in the methodology used to recognize shrinkage in the financial periods presented.
We have not made any material changes in our impairment loss assessment methodology in the financial periods presented.
2
[ "<tag1>", "We", "have", "not", "made", "any", "material", "changes", "in", "the", "methodology", "used", "to", "recognize", "shrinkage", "in", "the", "financial", "periods", "presented", ".", "<tag2>", "We", "have", "not", "made", "any", "material", "changes", "in", "our", "impairment", "loss", "assessment", "methodology", "in", "the", "financial", "periods", "presented", ".", "<tag3>" ]
[ "We", "have", "not", "made", "any", "material", "changes", "in", "the", "methodology", "used", "to", "recognize", "shrinkage", "in", "the", "financial", "periods", "presented", "." ]
[ "We", "have", "not", "made", "any", "material", "changes", "in", "our", "impairment", "loss", "assessment", "methodology", "in", "the", "financial", "periods", "presented", "." ]
[]
[ "impairment", "loss", "assessment" ]
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916365_12_item7_p16_s0
916365_11_item7_p36_s0
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate our shrinkage reserve.
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate impairment.
2
[ "<tag1>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "our", "shrinkage", "reserve", ".", "<tag2>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "impairment", ".", "<tag3>" ]
[ "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "our", "shrinkage", "reserve", "." ]
[ "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "impairment", "." ]
[]
[ "impairment" ]
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916365_12_item7_p41_s0
916365_11_item7_p36_s0
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate our shrinkage reserve.
We do not believe there is a reasonable likelihood that there will be a material change in the assumptions we use to calculate insurance reserves.
2
[ "<tag1>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "our", "shrinkage", "reserve", ".", "<tag2>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "assumptions", "we", "use", "to", "calculate", "insurance", "reserves", ".", "<tag3>" ]
[ "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "our", "shrinkage", "reserve", "." ]
[ "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "assumptions", "we", "use", "to", "calculate", "insurance", "reserves", "." ]
[]
[ "insurance", "reserves" ]
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916365_12_item7_p48_s0
916365_11_item7_p36_s0
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate our shrinkage reserve.
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate the sales tax liability reserve.
2
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[ "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "our", "shrinkage", "reserve", "." ]
[ "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "the", "sales", "tax", "liability", "reserve", "." ]
[]
[ "sales", "tax", "liability" ]
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916365_12_item7_p65_s0
916365_11_item7_p36_s0
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate our shrinkage reserve.
We do not believe there is a reasonable likelihood that there will be a material change in the estimates or assumptions we use to calculate long-lived asset impairment losses.
2
[ "<tag1>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "our", "shrinkage", "reserve", ".", "<tag2>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "long", "-", "lived", "asset", "impairment", "losses", ".", "<tag3>" ]
[ "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "our", "shrinkage", "reserve", "." ]
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[]
[ "long", "lived", "asset", "impairment", "losses" ]
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916365_12_item7_p48_s1
916365_11_item7_p36_s1
However, if our estimates regarding inventory losses are inaccurate, we may be exposed to losses or gains that could be material.
However, if our estimates regarding the ultimate sales tax liability are inaccurate, we may be exposed to losses or gains that could be material.
2
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[ "However", ",", "if", "our", "estimates", "regarding", "the", "ultimate", "sales", "tax", "liability", "are", "inaccurate", ",", "we", "may", "be", "exposed", "to", "losses", "or", "gains", "that", "could", "be", "material", "." ]
[]
[ "ultimate", "sales", "tax", "liability" ]
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916365_12_item7_p24_s4
916365_11_item7_p38_s4
During interim periods, the amount of e xpected funding is estimated based upon initial guaranteed commitments, as well as anticipated purchase levels with applicable vendors.
During interim periods, the amount of expected funding is estimated based upon initial commitments, as well as anticipated purchase levels with applicable vendors.
2
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[ "During", "interim", "periods", ",", "the", "amount", "of", "e", "xpected", "funding", "is", "estimated", "based", "upon", "initial", "guaranteed", "commitments", ",", "as", "well", "as", "anticipated", "purchase", "levels", "with", "applicable", "vendors", "." ]
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[]
[ "expected" ]
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916365_12_item7_p41_s0
916365_11_item7_p41_s1
Thus, we do not believe there is a reasonable likelihood that there will be a material change in the amounts recorded as vendor support.
We do not believe there is a reasonable likelihood that there will be a material change in the assumptions we use to calculate insurance reserves.
2
[ "<tag1>", "Thus", ",", "we", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "amounts", "recorded", "as", "vendor", "support", ".", "<tag2>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "assumptions", "we", "use", "to", "calculate", "insurance", "reserves", ".", "<tag3>" ]
[ "Thus", ",", "we", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "amounts", "recorded", "as", "vendor", "support", "." ]
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[]
[ "assumptions", "use", "calculate", "insurance", "reserves" ]
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916365_12_item7_p16_s0
916365_11_item7_p51_s0
While we update our assumptions annually, we do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to determine share-based compensation expense.
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate impairment.
2
[ "<tag1>", "While", "we", "update", "our", "assumptions", "annually", ",", "we", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "determine", "share", "-", "based", "compensation", "expense", ".", "<tag2>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "impairment", ".", "<tag3>" ]
[ "While", "we", "update", "our", "assumptions", "annually", ",", "we", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "determine", "share", "-", "based", "compensation", "expense", "." ]
[ "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "impairment", "." ]
[]
[ "calculate", "impairment" ]
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916365_12_item7_p22_s0
916365_11_item7_p51_s0
While we update our assumptions annually, we do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to determine share-based compensation expense.
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate our shrinkage reserve.
2
[ "<tag1>", "While", "we", "update", "our", "assumptions", "annually", ",", "we", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "determine", "share", "-", "based", "compensation", "expense", ".", "<tag2>", "We", "do", "not", "believe", "there", "is", "a", "reasonable", "likelihood", "that", "there", "will", "be", "a", "material", "change", "in", "the", "future", "estimates", "or", "assumptions", "we", "use", "to", "calculate", "our", "shrinkage", "reserve", ".", "<tag3>" ]
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[]
[ "calculate", "shrinkage", "reserve" ]
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916365_12_item7_p41_s0
916365_11_item7_p51_s0
While we update our assumptions annually, we do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to determine share-based compensation expense.
We do not believe there is a reasonable likelihood that there will be a material change in the assumptions we use to calculate insurance reserves.
2
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[]
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916365_12_item7_p48_s0
916365_11_item7_p51_s0
While we update our assumptions annually, we do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to determine share-based compensation expense.
We do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to calculate the sales tax liability reserve.
2
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[]
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916365_12_item7_p65_s0
916365_11_item7_p51_s0
While we update our assumptions annually, we do not believe there is a reasonable likelihood that there will be a material change in the future estimates or assumptions we use to determine share-based compensation expense.
We do not believe there is a reasonable likelihood that there will be a material change in the estimates or assumptions we use to calculate long-lived asset impairment losses.
2
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[]
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916365_12_item7_p15_s0
916365_11_item7_p57_s0
We have not made any material changes in the accounting methodology used to establish our self-insurance reserves in the financial periods presented.
We have not made any material changes in the accounting methodology used to recognize inventory impairment reserves in the financial periods presented.
2
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[]
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916365_12_item7_p21_s0
916365_11_item7_p57_s0
We have not made any material changes in the accounting methodology used to establish our self-insurance reserves in the financial periods presented.
We have not made any material changes in the accounting methodology used to recognize shrinkage in the financial periods presented.
2
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