DylanJHJ/FINAL · Datasets at Hugging Face

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922621_13_item7_p35_s1	922621_12_item7_p180_s0	Management fee revenue Management fee revenue is based upon all premiums written or assumed by the Exchange and the management fee rate, which is determined by our Board of Directors at least annually.	Management fee revenue is based upon all premiums written or assumed by the Exchange and the management fee rate, which is not to exceed 25% .	2	[ "<tag1>", "Management", "fee", "revenue", "Management", "fee", "revenue", "is", "based", "upon", "all", "premiums", "written", "or", "assumed", "by", "the", "Exchange", "and", "the", "management", "fee", "rate", ",", "which", "is", "determined", "by", "our", "Board", "of", "Directors", "at", "least", "annually", ".", "<tag2>", "Management", "fee", "revenue", "is", "based", "upon", "all", "premiums", "written", "or", "assumed", "by", "the", "Exchange", "and", "the", "management", "fee", "rate", ",", "which", "is", "not", "to", "exceed", "25", "%", ".", "<tag3>" ]	[ "Management", "fee", "revenue", "Management", "fee", "revenue", "is", "based", "upon", "all", "premiums", "written", "or", "assumed", "by", "the", "Exchange", "and", "the", "management", "fee", "rate", ",", "which", "is", "determined", "by", "our", "Board", "of", "Directors", "at", "least", "annually", "." ]	[ "Management", "fee", "revenue", "is", "based", "upon", "all", "premiums", "written", "or", "assumed", "by", "the", "Exchange", "and", "the", "management", "fee", "rate", ",", "which", "is", "not", "to", "exceed", "25", "%", "." ]	[]	[ "exceed", "25" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, 0, -100, -100, -100, -100, -100, 0, 0, -100, -100, -100, -100, 0, -100, -100, 0, -100, -100, 0, -100, -100, 1, 1, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p184_s2	922621_12_item7_p183_s2	Changes in the management fee rate can affect the segment s revenue and net income significantly.	Changes in the management fee rate can affect the Indemnity shareholder interest's revenue and net income from this segment significantly.	2	[ "<tag1>", "Changes", "in", "the", "management", "fee", "rate", "can", "affect", "the", "segment", "s", "revenue", "and", "net", "income", "significantly", ".", "<tag2>", "Changes", "in", "the", "management", "fee", "rate", "can", "affect", "the", "Indemnity", "shareholder", "interest", "'s", "revenue", "and", "net", "income", "from", "this", "segment", "significantly", ".", "<tag3>" ]	[ "Changes", "in", "the", "management", "fee", "rate", "can", "affect", "the", "segment", "s", "revenue", "and", "net", "income", "significantly", "." ]	[ "Changes", "in", "the", "management", "fee", "rate", "can", "affect", "the", "Indemnity", "shareholder", "interest", "'s", "revenue", "and", "net", "income", "from", "this", "segment", "significantly", "." ]	[]	[ "Indemnity", "shareholder", "interest", "'s" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, 0, 0, 0, -100, 0, -100, 1, 1, 1, 1, 0, -100, 0, 0, -100, 0, 0, 0, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p186_s6	922621_12_item7_p185_s1	Included in these increases in both years were decreases in agent bonuses, due to a reduction in the profitability component of the bonus as a result of factoring in the most recent year s underwriting data.	Impacting the increase in 2011 was a decrease in agent bonuses due to a reduction in the profitability component of the bonus as a result of factoring in the most recent year s underwriting data.	2	[ "<tag1>", "Included", "in", "these", "increases", "in", "both", "years", "were", "decreases", "in", "agent", "bonuses", ",", "due", "to", "a", "reduction", "in", "the", "profitability", "component", "of", "the", "bonus", "as", "a", "result", "of", "factoring", "in", "the", "most", "recent", "year", "s", "underwriting", "data", ".", "<tag2>", "Impacting", "the", "increase", "in", "2011", "was", "a", "decrease", "in", "agent", "bonuses", "due", "to", "a", "reduction", "in", "the", "profitability", "component", "of", "the", "bonus", "as", "a", "result", "of", "factoring", "in", "the", "most", "recent", "year", "s", "underwriting", "data", ".", "<tag3>" ]	[ "Included", "in", "these", "increases", "in", "both", "years", "were", "decreases", "in", "agent", "bonuses", ",", "due", "to", "a", "reduction", "in", "the", "profitability", "component", "of", "the", "bonus", "as", "a", "result", "of", "factoring", "in", "the", "most", "recent", "year", "s", "underwriting", "data", "." ]	[ "Impacting", "the", "increase", "in", "2011", "was", "a", "decrease", "in", "agent", "bonuses", "due", "to", "a", "reduction", "in", "the", "profitability", "component", "of", "the", "bonus", "as", "a", "result", "of", "factoring", "in", "the", "most", "recent", "year", "s", "underwriting", "data", "." ]	[]	[ "Impacting", "increase", "2011", "decrease" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, 1, -100, 1, -100, -100, 1, 0, 0, 0, -100, 0, -100, -100, -100, 0, 0, 0, -100, 0, -100, -100, -100, -100, 0, 0, -100, -100, 0, -100, -100, -100, -100, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p179_s1	922621_12_item7_p189_s1	A summary of the results of our property and casualty insurance operations is as follows:	A summary of the results of our management operations is as follows:	2	[ "<tag1>", "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":", "<tag2>", "A", "summary", "of", "the", "results", "of", "our", "management", "operations", "is", "as", "follows", ":", "<tag3>" ]	[ "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":" ]	[ "A", "summary", "of", "the", "results", "of", "our", "management", "operations", "is", "as", "follows", ":" ]	[]	[ "management" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 0, 0, -100, 1, 0, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p241_s1	922621_12_item7_p189_s1	A summary of the results of our property and casualty insurance operations is as follows:	A summary of the results of our life insurance operations is as follows:	2	[ "<tag1>", "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":", "<tag2>", "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":", "<tag3>" ]	[ "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":" ]	[ "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":" ]	[]	[ "life" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 0, 0, -100, -100, -100, 1, -100, 0, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p248_s1	922621_12_item7_p189_s1	A summary of the results of our property and casualty insurance operations is as follows:	A summary of the results of our investment operations is as follows:	2	[ "<tag1>", "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":", "<tag2>", "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":", "<tag3>" ]	[ "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":" ]	[ "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":" ]	[]	[ "investment" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, 0, -100, 0, -100, 1, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p216_s0	922621_12_item7_p224_s0	The following table provides a breakout of our property and casualty insurance operation s prior year loss reserve development by type of business:	Prior accident years, including prior accident year catastrophe losses The following table provides a breakout of our property and casualty insurance operation s prior year loss reserve development, including prior accident year catastrophe loss reserves, by type of business:	2	[ "<tag1>", "The", "following", "table", "provides", "a", "breakout", "of", "our", "property", "and", "casualty", "insurance", "operation", "s", "prior", "year", "loss", "reserve", "development", "by", "type", "of", "business", ":", "<tag2>", "Prior", "accident", "years", ",", "including", "prior", "accident", "year", "catastrophe", "losses", "The", "following", "table", "provides", "a", "breakout", "of", "our", "property", "and", "casualty", "insurance", "operation", "s", "prior", "year", "loss", "reserve", "development", ",", "including", "prior", "accident", "year", "catastrophe", "loss", "reserves", ",", "by", "type", "of", "business", ":", "<tag3>" ]	[ "The", "following", "table", "provides", "a", "breakout", "of", "our", "property", "and", "casualty", "insurance", "operation", "s", "prior", "year", "loss", "reserve", "development", "by", "type", "of", "business", ":" ]	[ "Prior", "accident", "years", ",", "including", "prior", "accident", "year", "catastrophe", "losses", "The", "following", "table", "provides", "a", "breakout", "of", "our", "property", "and", "casualty", "insurance", "operation", "s", "prior", "year", "loss", "reserve", "development", ",", "including", "prior", "accident", "year", "catastrophe", "loss", "reserves", ",", "by", "type", "of", "business", ":" ]	[]	[ "Prior", "accident", "years", "including", "accident", "catastrophe", "losses", "including", "accident", "catastrophe", "reserves" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 1, 1, 0, 1, 0, 1, 0, 1, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 1, 0, 1, 0, 1, 0, 1, 0, 0, 0, 0, 0, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p230_s1	922621_12_item7_p228_s1	The most significant factors contributing to the 2011 favorable development were:	The most significant factors contributing to the 2010 favorable development were:	2	[ "<tag1>", "The", "most", "significant", "factors", "contributing", "to", "the", "2011", "favorable", "development", "were", ":", "<tag2>", "The", "most", "significant", "factors", "contributing", "to", "the", "2010", "favorable", "development", "were", ":", "<tag3>" ]	[ "The", "most", "significant", "factors", "contributing", "to", "the", "2011", "favorable", "development", "were", ":" ]	[ "The", "most", "significant", "factors", "contributing", "to", "the", "2010", "favorable", "development", "were", ":" ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p45_s1	922621_12_item7_p22_s1	On that basis, for presentation purposes, the life insurance operations in the table above include life insurance related investment results.	On that basis, for presentation purposes, the life insurance operations segment discussion includes the life insurance related investment results.	2	[ "<tag1>", "On", "that", "basis", ",", "for", "presentation", "purposes", ",", "the", "life", "insurance", "operations", "in", "the", "table", "above", "include", "life", "insurance", "related", "investment", "results", ".", "<tag2>", "On", "that", "basis", ",", "for", "presentation", "purposes", ",", "the", "life", "insurance", "operations", "segment", "discussion", "includes", "the", "life", "insurance", "related", "investment", "results", ".", "<tag3>" ]	[ "On", "that", "basis", ",", "for", "presentation", "purposes", ",", "the", "life", "insurance", "operations", "in", "the", "table", "above", "include", "life", "insurance", "related", "investment", "results", "." ]	[ "On", "that", "basis", ",", "for", "presentation", "purposes", ",", "the", "life", "insurance", "operations", "segment", "discussion", "includes", "the", "life", "insurance", "related", "investment", "results", "." ]	[]	[ "segment", "discussion", "includes" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, 0, 0, -100, -100, 0, -100, 0, -100, 0, -100, 1, 1, 1, -100, 0, -100, -100, -100, 0, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p222_s0	922621_12_item7_p231_s0	Favorable development of $24 million related to the commercial multi-peril line of business primarily resulting from better than expected severity trends, which impacted the 2009 and 2010 accident years.	Favorable development of $42 million related to the commercial multi-peril line of business primarily resulting from better than expected severity trends, which impacted the 2007 through 2011 accident years, and the closing of two large claims which impacted the 2006 through 2010 accident years.	2	[ "<tag1>", "Favorable", "development", "of", "$", "24", "million", "related", "to", "the", "commercial", "multi", "-", "peril", "line", "of", "business", "primarily", "resulting", "from", "better", "than", "expected", "severity", "trends", ",", "which", "impacted", "the", "2009", "and", "2010", "accident", "years", ".", "<tag2>", "Favorable", "development", "of", "$", "42", "million", "related", "to", "the", "commercial", "multi", "-", "peril", "line", "of", "business", "primarily", "resulting", "from", "better", "than", "expected", "severity", "trends", ",", "which", "impacted", "the", "2007", "through", "2011", "accident", "years", ",", "and", "the", "closing", "of", "two", "large", "claims", "which", "impacted", "the", "2006", "through", "2010", "accident", "years", ".", "<tag3>" ]	[ "Favorable", "development", "of", "$", "24", "million", "related", "to", "the", "commercial", "multi", "-", "peril", "line", "of", "business", "primarily", "resulting", "from", "better", "than", "expected", "severity", "trends", ",", "which", "impacted", "the", "2009", "and", "2010", "accident", "years", "." ]	[ "Favorable", "development", "of", "$", "42", "million", "related", "to", "the", "commercial", "multi", "-", "peril", "line", "of", "business", "primarily", "resulting", "from", "better", "than", "expected", "severity", "trends", ",", "which", "impacted", "the", "2007", "through", "2011", "accident", "years", ",", "and", "the", "closing", "of", "two", "large", "claims", "which", "impacted", "the", "2006", "through", "2010", "accident", "years", "." ]	[]	[ "2007", "2011", "closing", "two", "large", "claims", "2006" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, 0, 0, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, 0, -100, -100, -100, 0, 0, -100, -100, 0, -100, -100, 0, 0, 1, 0, 1, -100, 0, 0, 0, -100, 1, 0, 1, 1, 1, -100, 0, 0, 1, 0, -100, 0, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p223_s0	922621_12_item7_p231_s0	Favorable development of $24 million related to the commercial multi-peril line of business primarily resulting from better than expected severity trends, which impacted the 2009 and 2010 accident years.	Favorable development of $11 million related to the commercial auto line of business primarily resulting from better than expected severity trends, which impacted the 2007 through 2011 accident years.	2	[ "<tag1>", "Favorable", "development", "of", "$", "24", "million", "related", "to", "the", "commercial", "multi", "-", "peril", "line", "of", "business", "primarily", "resulting", "from", "better", "than", "expected", "severity", "trends", ",", "which", "impacted", "the", "2009", "and", "2010", "accident", "years", ".", "<tag2>", "Favorable", "development", "of", "$", "11", "million", "related", "to", "the", "commercial", "auto", "line", "of", "business", "primarily", "resulting", "from", "better", "than", "expected", "severity", "trends", ",", "which", "impacted", "the", "2007", "through", "2011", "accident", "years", ".", "<tag3>" ]	[ "Favorable", "development", "of", "$", "24", "million", "related", "to", "the", "commercial", "multi", "-", "peril", "line", "of", "business", "primarily", "resulting", "from", "better", "than", "expected", "severity", "trends", ",", "which", "impacted", "the", "2009", "and", "2010", "accident", "years", "." ]	[ "Favorable", "development", "of", "$", "11", "million", "related", "to", "the", "commercial", "auto", "line", "of", "business", "primarily", "resulting", "from", "better", "than", "expected", "severity", "trends", ",", "which", "impacted", "the", "2007", "through", "2011", "accident", "years", "." ]	[]	[ "auto", "2007", "2011" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 0, -100, 0, -100, 0, 0, -100, 0, 1, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, 0, -100, -100, -100, 1, 0, 1, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 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 ]
922621_13_item7_p223_s0	922621_12_item7_p232_s0	Favorable development of $12 million related to the homeowners line of business primarily resulting from better than expected severity trends, which impacted the more recent accident years.	Favorable development of $11 million related to the commercial auto line of business primarily resulting from better than expected severity trends, which impacted the 2007 through 2011 accident years.	2	[ "<tag1>", "Favorable", "development", "of", "$", "12", "million", "related", "to", "the", "homeowners", "line", "of", "business", "primarily", "resulting", "from", "better", "than", "expected", "severity", "trends", ",", "which", "impacted", "the", "more", "recent", "accident", "years", ".", "<tag2>", "Favorable", "development", "of", "$", "11", "million", "related", "to", "the", "commercial", "auto", "line", "of", "business", "primarily", "resulting", "from", "better", "than", "expected", "severity", "trends", ",", "which", "impacted", "the", "2007", "through", "2011", "accident", "years", ".", "<tag3>" ]	[ "Favorable", "development", "of", "$", "12", "million", "related", "to", "the", "homeowners", "line", "of", "business", "primarily", "resulting", "from", "better", "than", "expected", "severity", "trends", ",", "which", "impacted", "the", "more", "recent", "accident", "years", "." ]	[ "Favorable", "development", "of", "$", "11", "million", "related", "to", "the", "commercial", "auto", "line", "of", "business", "primarily", "resulting", "from", "better", "than", "expected", "severity", "trends", ",", "which", "impacted", "the", "2007", "through", "2011", "accident", "years", "." ]	[]	[ "commercial", "auto", "2007", "2011" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, -100, 0, -100, -100, 0, 0, 1, 1, 0, 0, -100, 0, -100, -100, -100, 0, -100, 0, -100, 0, 0, -100, -100, 1, -100, 1, -100, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p220_s1	922621_12_item7_p233_s1	The most significant factors contributing to the 2010 favorable development were:	The most significant factors contributing to the 2012 favorable development were:	2	[ "<tag1>", "The", "most", "significant", "factors", "contributing", "to", "the", "2010", "favorable", "development", "were", ":", "<tag2>", "The", "most", "significant", "factors", "contributing", "to", "the", "2012", "favorable", "development", "were", ":", "<tag3>" ]	[ "The", "most", "significant", "factors", "contributing", "to", "the", "2010", "favorable", "development", "were", ":" ]	[ "The", "most", "significant", "factors", "contributing", "to", "the", "2012", "favorable", "development", "were", ":" ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p225_s1	922621_12_item7_p233_s1	The most significant factors contributing to the 2010 favorable development were:	The most significant factors contributing to the 2011 favorable development were:	2	[ "<tag1>", "The", "most", "significant", "factors", "contributing", "to", "the", "2010", "favorable", "development", "were", ":", "<tag2>", "The", "most", "significant", "factors", "contributing", "to", "the", "2011", "favorable", "development", "were", ":", "<tag3>" ]	[ "The", "most", "significant", "factors", "contributing", "to", "the", "2010", "favorable", "development", "were", ":" ]	[ "The", "most", "significant", "factors", "contributing", "to", "the", "2011", "favorable", "development", "were", ":" ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p220_s1	922621_12_item7_p238_s1	The most significant factors contributing to the 2009 favorable development were:	The most significant factors contributing to the 2012 favorable development were:	2	[ "<tag1>", "The", "most", "significant", "factors", "contributing", "to", "the", "2009", "favorable", "development", "were", ":", "<tag2>", "The", "most", "significant", "factors", "contributing", "to", "the", "2012", "favorable", "development", "were", ":", "<tag3>" ]	[ "The", "most", "significant", "factors", "contributing", "to", "the", "2009", "favorable", "development", "were", ":" ]	[ "The", "most", "significant", "factors", "contributing", "to", "the", "2012", "favorable", "development", "were", ":" ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p225_s1	922621_12_item7_p238_s1	The most significant factors contributing to the 2009 favorable development were:	The most significant factors contributing to the 2011 favorable development were:	2	[ "<tag1>", "The", "most", "significant", "factors", "contributing", "to", "the", "2009", "favorable", "development", "were", ":", "<tag2>", "The", "most", "significant", "factors", "contributing", "to", "the", "2011", "favorable", "development", "were", ":", "<tag3>" ]	[ "The", "most", "significant", "factors", "contributing", "to", "the", "2009", "favorable", "development", "were", ":" ]	[ "The", "most", "significant", "factors", "contributing", "to", "the", "2011", "favorable", "development", "were", ":" ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p239_s1	922621_12_item7_p247_s0	The adverse development in 2011 was primarily the result of the closing of four massive injury lifetime medical claims.	In 2011, the decrease in ceded recoveries was primarily the result of the closing of four massive injury lifetime medical claims.	2	[ "<tag1>", "The", "adverse", "development", "in", "2011", "was", "primarily", "the", "result", "of", "the", "closing", "of", "four", "massive", "injury", "lifetime", "medical", "claims", ".", "<tag2>", "In", "2011", ",", "the", "decrease", "in", "ceded", "recoveries", "was", "primarily", "the", "result", "of", "the", "closing", "of", "four", "massive", "injury", "lifetime", "medical", "claims", ".", "<tag3>" ]	[ "The", "adverse", "development", "in", "2011", "was", "primarily", "the", "result", "of", "the", "closing", "of", "four", "massive", "injury", "lifetime", "medical", "claims", "." ]	[ "In", "2011", ",", "the", "decrease", "in", "ceded", "recoveries", "was", "primarily", "the", "result", "of", "the", "closing", "of", "four", "massive", "injury", "lifetime", "medical", "claims", "." ]	[]	[ "decrease", "ceded", "recoveries" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, -100, 1, 0, 1, 1, 0, -100, -100, 0, 0, -100, 0, -100, 0, -100, -100, -100, 0, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p179_s1	922621_12_item7_p250_s1	A summary of the results of our life insurance operations is as follows:	A summary of the results of our management operations is as follows:	2	[ "<tag1>", "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":", "<tag2>", "A", "summary", "of", "the", "results", "of", "our", "management", "operations", "is", "as", "follows", ":", "<tag3>" ]	[ "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":" ]	[ "A", "summary", "of", "the", "results", "of", "our", "management", "operations", "is", "as", "follows", ":" ]	[]	[ "management" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, 0, -100, -100, 0, -100, 1, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p190_s1	922621_12_item7_p250_s1	A summary of the results of our life insurance operations is as follows:	A summary of the results of our property and casualty insurance operations is as follows:	2	[ "<tag1>", "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":", "<tag2>", "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":", "<tag3>" ]	[ "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":" ]	[ "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":" ]	[]	[ "property", "casualty" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, -100, -100, -100, 0, 1, 0, 1, -100, 0, 0, 0, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p248_s1	922621_12_item7_p250_s1	A summary of the results of our life insurance operations is as follows:	A summary of the results of our investment operations is as follows:	2	[ "<tag1>", "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":", "<tag2>", "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":", "<tag3>" ]	[ "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":" ]	[ "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":" ]	[]	[ "investment" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, -100, -100, -100, 0, -100, 1, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p179_s1	922621_12_item7_p257_s1	A summary of the results of our investment operations is as follows:	A summary of the results of our management operations is as follows:	2	[ "<tag1>", "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":", "<tag2>", "A", "summary", "of", "the", "results", "of", "our", "management", "operations", "is", "as", "follows", ":", "<tag3>" ]	[ "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":" ]	[ "A", "summary", "of", "the", "results", "of", "our", "management", "operations", "is", "as", "follows", ":" ]	[]	[ "management" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 0, -100, -100, -100, 0, 1, -100, -100, 0, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p190_s1	922621_12_item7_p257_s1	A summary of the results of our investment operations is as follows:	A summary of the results of our property and casualty insurance operations is as follows:	2	[ "<tag1>", "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":", "<tag2>", "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":", "<tag3>" ]	[ "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":" ]	[ "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":" ]	[]	[ "property", "casualty", "insurance" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, 0, -100, 0, 0, 0, 1, 0, 1, 1, -100, 0, 0, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p241_s1	922621_12_item7_p257_s1	A summary of the results of our investment operations is as follows:	A summary of the results of our life insurance operations is as follows:	2	[ "<tag1>", "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":", "<tag2>", "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":", "<tag3>" ]	[ "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":" ]	[ "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":" ]	[]	[ "life", "insurance" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, 0, -100, -100, 0, 1, 1, 0, -100, 0, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p318_s3	922621_12_item7_p258_s2	These components of investment income now accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, in 2011 and thereafter.	These operating cash flows accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, in 2011 and thereafter.	2	[ "<tag1>", "These", "components", "of", "investment", "income", "now", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "in", "2011", "and", "thereafter", ".", "<tag2>", "These", "operating", "cash", "flows", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "in", "2011", "and", "thereafter", ".", "<tag3>" ]	[ "These", "components", "of", "investment", "income", "now", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "in", "2011", "and", "thereafter", "." ]	[ "These", "operating", "cash", "flows", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "in", "2011", "and", "thereafter", "." ]	[]	[ "operating", "cash", "flows" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 1, 1, 1, -100, 0, 0, 0, -100, -100, -100, -100, -100, 0, -100, 0, -100, 0, -100, 0, -100, 0, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p251_s4	922621_12_item7_p261_s3	The Exchange recorded $240 million of realized gains on the sale of securities which was offset by $247 million in valuation losses on its common stock portfolio in 2011.	In 2011, Indemnity recorded $6 million of realized gains on the sale of securities which was offset by $3 million in valuation losses on its common stock portfolio, while the Exchange recorded $240 million of realized gains on the sale of securities which was offset by $247 million in valuation losses on its common stock portfolio.	2	[ "<tag1>", "The", "Exchange", "recorded", "$", "240", "million", "of", "realized", "gains", "on", "the", "sale", "of", "securities", "which", "was", "offset", "by", "$", "247", "million", "in", "valuation", "losses", "on", "its", "common", "stock", "portfolio", "in", "2011", ".", "<tag2>", "In", "2011", ",", "Indemnity", "recorded", "$", "6", "million", "of", "realized", "gains", "on", "the", "sale", "of", "securities", "which", "was", "offset", "by", "$", "3", "million", "in", "valuation", "losses", "on", "its", "common", "stock", "portfolio", ",", "while", "the", "Exchange", "recorded", "$", "240", "million", "of", "realized", "gains", "on", "the", "sale", "of", "securities", "which", "was", "offset", "by", "$", "247", "million", "in", "valuation", "losses", "on", "its", "common", "stock", "portfolio", ".", "<tag3>" ]	[ "The", "Exchange", "recorded", "$", "240", "million", "of", "realized", "gains", "on", "the", "sale", "of", "securities", "which", "was", "offset", "by", "$", "247", "million", "in", "valuation", "losses", "on", "its", "common", "stock", "portfolio", "in", "2011", "." ]	[ "In", "2011", ",", "Indemnity", "recorded", "$", "6", "million", "of", "realized", "gains", "on", "the", "sale", "of", "securities", "which", "was", "offset", "by", "$", "3", "million", "in", "valuation", "losses", "on", "its", "common", "stock", "portfolio", ",", "while", "the", "Exchange", "recorded", "$", "240", "million", "of", "realized", "gains", "on", "the", "sale", "of", "securities", "which", "was", "offset", "by", "$", "247", "million", "in", "valuation", "losses", "on", "its", "common", "stock", "portfolio", "." ]	[]	[ "Indemnity" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, 1, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p18_s0	922621_12_item7_p280_s0	Investments Prior to and through December 31, 2010, the investment results from EIC, ENY and EPC accrued to the Indemnity shareholder interest.	(1) Prior to and through December 31, 2010, the underwriting results retained by EIC and ENY and the investment results of EIC, ENY and EPC accrued to the Indemnity shareholder interest.	2	[ "<tag1>", "Investments", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "investment", "results", "from", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", ".", "<tag2>", "(", "1", ")", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "EIC", "and", "ENY", "and", "the", "investment", "results", "of", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", ".", "<tag3>" ]	[ "Investments", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "investment", "results", "from", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", "." ]	[ "(", "1", ")", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "EIC", "and", "ENY", "and", "the", "investment", "results", "of", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", "." ]	[]	[ "1", "underwriting", "retained" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, 1, 0, 1, -100, 0, -100, -100, -100, 0, 0, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, 0, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p22_s0	922621_12_item7_p280_s0	Investments Prior to and through December 31, 2010, the investment results from EIC, ENY and EPC accrued to the Indemnity shareholder interest.	(2) Prior to and through December 31, 2010, the underwriting results retained by EIC and ENY and the investment results of EIC, ENY and EPC accrued to the Indemnity shareholder interest.	2	[ "<tag1>", "Investments", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "investment", "results", "from", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", ".", "<tag2>", "(", "2", ")", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "EIC", "and", "ENY", "and", "the", "investment", "results", "of", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", ".", "<tag3>" ]	[ "Investments", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "investment", "results", "from", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", "." ]	[ "(", "2", ")", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "EIC", "and", "ENY", "and", "the", "investment", "results", "of", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", "." ]	[]	[ "2", "underwriting", "retained" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, -100, -100, 0, 0, 0, -100, -100, -100, -100, 0, -100, 1, -100, 1, -100, -100, -100, -100, -100, -100, 0, -100, 0, 0, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p318_s0	922621_12_item7_p280_s0	Investments Prior to and through December 31, 2010, the investment results from EIC, ENY and EPC accrued to the Indemnity shareholder interest.	Prior to and through December 31, 2010, the underwriting results retained by EIC and ENY and the investment results of EIC, ENY and EPC accrued to the Indemnity shareholder interest.	2	[ "<tag1>", "Investments", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "investment", "results", "from", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", ".", "<tag2>", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "EIC", "and", "ENY", "and", "the", "investment", "results", "of", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", ".", "<tag3>" ]	[ "Investments", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "investment", "results", "from", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", "." ]	[ "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "EIC", "and", "ENY", "and", "the", "investment", "results", "of", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", "." ]	[]	[ "underwriting", "retained" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, 1, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, 0, 0, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 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 ]
922621_13_item7_p31_s0	922621_12_item7_p280_s0	Investments Prior to and through December 31, 2010, the investment results from EIC, ENY and EPC accrued to the Indemnity shareholder interest.	(2) Prior to and through December 31, 2010, the underwriting results retained by EIC and ENY and the investment results of EIC, ENY and EPC accrued to the Indemnity shareholder interest.	2	[ "<tag1>", "Investments", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "investment", "results", "from", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", ".", "<tag2>", "(", "2", ")", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "EIC", "and", "ENY", "and", "the", "investment", "results", "of", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", ".", "<tag3>" ]	[ "Investments", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "investment", "results", "from", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", "." ]	[ "(", "2", ")", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "EIC", "and", "ENY", "and", "the", "investment", "results", "of", "EIC", ",", "ENY", "and", "EPC", "accrued", "to", "the", "Indemnity", "shareholder", "interest", "." ]	[]	[ "2", "underwriting", "retained" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 1, -100, -100, 0, 0, 0, -100, -100, -100, -100, 0, 0, 1, -100, 1, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p276_s1	922621_12_item7_p295_s1	At December 31, 2011, the unrealized gain on preferred stock classified as available-for-sale securities, net of deferred taxes amounted to $1 million for Indemnity and $21 million for the Exchange, compared to an unrealized gain, net of deferred taxes, of $3 million for Indemnity and $44 million for the Exchange at December 31, 2010.	At December 31, 2012 , the unrealized gain on equity securities classified as available-for-sale, net of deferred taxes, amounted to $1 million for Indemnity and $48 million for the Exchange, compared to an unrealized gain, net of deferred taxes, of $1 million for Indemnity and $21 million for the Exchange at December 31, 2011 .	2	[ "<tag1>", "At", "December", "31", ",", "2011", ",", "the", "unrealized", "gain", "on", "preferred", "stock", "classified", "as", "available", "-", "for", "-", "sale", "securities", ",", "net", "of", "deferred", "taxes", "amounted", "to", "$", "1", "million", "for", "Indemnity", "and", "$", "21", "million", "for", "the", "Exchange", ",", "compared", "to", "an", "unrealized", "gain", ",", "net", "of", "deferred", "taxes", ",", "of", "$", "3", "million", "for", "Indemnity", "and", "$", "44", "million", "for", "the", "Exchange", "at", "December", "31", ",", "2010", ".", "<tag2>", "At", "December", "31", ",", "2012", ",", "the", "unrealized", "gain", "on", "equity", "securities", "classified", "as", "available", "-", "for", "-", "sale", ",", "net", "of", "deferred", "taxes", ",", "amounted", "to", "$", "1", "million", "for", "Indemnity", "and", "$", "48", "million", "for", "the", "Exchange", ",", "compared", "to", "an", "unrealized", "gain", ",", "net", "of", "deferred", "taxes", ",", "of", "$", "1", "million", "for", "Indemnity", "and", "$", "21", "million", "for", "the", "Exchange", "at", "December", "31", ",", "2011", ".", "<tag3>" ]	[ "At", "December", "31", ",", "2011", ",", "the", "unrealized", "gain", "on", "preferred", "stock", "classified", "as", "available", "-", "for", "-", "sale", "securities", ",", "net", "of", "deferred", "taxes", "amounted", "to", "$", "1", "million", "for", "Indemnity", "and", "$", "21", "million", "for", "the", "Exchange", ",", "compared", "to", "an", "unrealized", "gain", ",", "net", "of", "deferred", "taxes", ",", "of", "$", "3", "million", "for", "Indemnity", "and", "$", "44", "million", "for", "the", "Exchange", "at", "December", "31", ",", "2010", "." ]	[ "At", "December", "31", ",", "2012", ",", "the", "unrealized", "gain", "on", "equity", "securities", "classified", "as", "available", "-", "for", "-", "sale", ",", "net", "of", "deferred", "taxes", ",", "amounted", "to", "$", "1", "million", "for", "Indemnity", "and", "$", "48", "million", "for", "the", "Exchange", ",", "compared", "to", "an", "unrealized", "gain", ",", "net", "of", "deferred", "taxes", ",", "of", "$", "1", "million", "for", "Indemnity", "and", "$", "21", "million", "for", "the", "Exchange", "at", "December", "31", ",", "2011", "." ]	[]	[ "equity" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p277_s0	922621_12_item7_p296_s0	Our common stock portfolio is classified as a trading portfolio and is measured at fair value with all changes in unrealized gains and losses reflected in our Consolidated Statements of Operations.	Common stocks classified as trading securities are measured at fair value with all changes in unrealized gains and losses reflected in the Consolidated Statements of Operations.	2	[ "<tag1>", "Our", "common", "stock", "portfolio", "is", "classified", "as", "a", "trading", "portfolio", "and", "is", "measured", "at", "fair", "value", "with", "all", "changes", "in", "unrealized", "gains", "and", "losses", "reflected", "in", "our", "Consolidated", "Statements", "of", "Operations", ".", "<tag2>", "Common", "stocks", "classified", "as", "trading", "securities", "are", "measured", "at", "fair", "value", "with", "all", "changes", "in", "unrealized", "gains", "and", "losses", "reflected", "in", "the", "Consolidated", "Statements", "of", "Operations", ".", "<tag3>" ]	[ "Our", "common", "stock", "portfolio", "is", "classified", "as", "a", "trading", "portfolio", "and", "is", "measured", "at", "fair", "value", "with", "all", "changes", "in", "unrealized", "gains", "and", "losses", "reflected", "in", "our", "Consolidated", "Statements", "of", "Operations", "." ]	[ "Common", "stocks", "classified", "as", "trading", "securities", "are", "measured", "at", "fair", "value", "with", "all", "changes", "in", "unrealized", "gains", "and", "losses", "reflected", "in", "the", "Consolidated", "Statements", "of", "Operations", "." ]	[]	[ "Common", "stocks", "securities" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 1, -100, 0, 0, 1, -100, -100, -100, 0, 0, -100, 0, -100, 0, 0, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p99_s1	922621_12_item7_p305_s2	Actual experience, however, may emerge in a manner that is different relative to the original assumptions, which could have a significant impact on our reserve estimates.	Actual experie nce, however, may emerge in a manner that is different relative to the original assumptions, which could have a significant impact on our reserve estimates.	2	[ "<tag1>", "Actual", "experience", ",", "however", ",", "may", "emerge", "in", "a", "manner", "that", "is", "different", "relative", "to", "the", "original", "assumptions", ",", "which", "could", "have", "a", "significant", "impact", "on", "our", "reserve", "estimates", ".", "<tag2>", "Actual", "experie", "nce", ",", "however", ",", "may", "emerge", "in", "a", "manner", "that", "is", "different", "relative", "to", "the", "original", "assumptions", ",", "which", "could", "have", "a", "significant", "impact", "on", "our", "reserve", "estimates", ".", "<tag3>" ]	[ "Actual", "experience", ",", "however", ",", "may", "emerge", "in", "a", "manner", "that", "is", "different", "relative", "to", "the", "original", "assumptions", ",", "which", "could", "have", "a", "significant", "impact", "on", "our", "reserve", "estimates", "." ]	[ "Actual", "experie", "nce", ",", "however", ",", "may", "emerge", "in", "a", "manner", "that", "is", "different", "relative", "to", "the", "original", "assumptions", ",", "which", "could", "have", "a", "significant", "impact", "on", "our", "reserve", "estimates", "." ]	[]	[ "experie", "nce" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 1, -100, -100, 0, -100, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 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 ]
922621_13_item7_p287_s1	922621_12_item7_p308_s0	age, gender and risk class of the insured and the number of years the policy has been in force.	To meet these future obligations, EFL establishes life insurance reserves based upon the type of policy, the age, gender and risk class of the insured and the number of years the policy has been in force.	2	[ "<tag1>", "age", ",", "gender", "and", "risk", "class", "of", "the", "insured", "and", "the", "number", "of", "years", "the", "policy", "has", "been", "in", "force", ".", "<tag2>", "To", "meet", "these", "future", "obligations", ",", "EFL", "establishes", "life", "insurance", "reserves", "based", "upon", "the", "type", "of", "policy", ",", "the", "age", ",", "gender", "and", "risk", "class", "of", "the", "insured", "and", "the", "number", "of", "years", "the", "policy", "has", "been", "in", "force", ".", "<tag3>" ]	[ "age", ",", "gender", "and", "risk", "class", "of", "the", "insured", "and", "the", "number", "of", "years", "the", "policy", "has", "been", "in", "force", "." ]	[ "To", "meet", "these", "future", "obligations", ",", "EFL", "establishes", "life", "insurance", "reserves", "based", "upon", "the", "type", "of", "policy", ",", "the", "age", ",", "gender", "and", "risk", "class", "of", "the", "insured", "and", "the", "number", "of", "years", "the", "policy", "has", "been", "in", "force", "." ]	[]	[ "meet", "future", "obligations", "EFL", "establishes", "life", "insurance", "reserves", "based", "upon", "type" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 1, 0, 1, 1, 0, 1, 1, 1, 1, 1, 1, 1, 0, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1 ]	[ -1, 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 ]
922621_13_item7_p289_s0	922621_12_item7_p311_s0	Although Indemnity is the sponsor of these postretirement plans and records the funded status of these plans, generally the Exchange and EFL reimburse Indemnity for approximately 57% of the annual benefit expense of these plans.	Although Indemnity is the sponsor of these postretirement plans and records the funded status of these plans, the Exchange and EFL reimburse Indemnity for approximately 58% of the annual benefit expe nse of these plans, which represents pension benefits for Indemnity employees performing claims and life functions.	2	[ "<tag1>", "Although", "Indemnity", "is", "the", "sponsor", "of", "these", "postretirement", "plans", "and", "records", "the", "funded", "status", "of", "these", "plans", ",", "generally", "the", "Exchange", "and", "EFL", "reimburse", "Indemnity", "for", "approximately", "57", "%", "of", "the", "annual", "benefit", "expense", "of", "these", "plans", ".", "<tag2>", "Although", "Indemnity", "is", "the", "sponsor", "of", "these", "postretirement", "plans", "and", "records", "the", "funded", "status", "of", "these", "plans", ",", "the", "Exchange", "and", "EFL", "reimburse", "Indemnity", "for", "approximately", "58", "%", "of", "the", "annual", "benefit", "expe", "nse", "of", "these", "plans", ",", "which", "represents", "pension", "benefits", "for", "Indemnity", "employees", "performing", "claims", "and", "life", "functions", ".", "<tag3>" ]	[ "Although", "Indemnity", "is", "the", "sponsor", "of", "these", "postretirement", "plans", "and", "records", "the", "funded", "status", "of", "these", "plans", ",", "generally", "the", "Exchange", "and", "EFL", "reimburse", "Indemnity", "for", "approximately", "57", "%", "of", "the", "annual", "benefit", "expense", "of", "these", "plans", "." ]	[ "Although", "Indemnity", "is", "the", "sponsor", "of", "these", "postretirement", "plans", "and", "records", "the", "funded", "status", "of", "these", "plans", ",", "the", "Exchange", "and", "EFL", "reimburse", "Indemnity", "for", "approximately", "58", "%", "of", "the", "annual", "benefit", "expe", "nse", "of", "these", "plans", ",", "which", "represents", "pension", "benefits", "for", "Indemnity", "employees", "performing", "claims", "and", "life", "functions", "." ]	[]	[ "expe", "nse", "represents", "pension", "benefits", "employees", "performing", "claims", "life", "functions" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, 0, 0, -100, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -100, 0, -100, 0, 0, 0, -100, 0, 0, -100, 0, -100, 0, 1, 1, -100, 0, -100, 0, 0, 1, 1, 1, -100, 0, 1, 1, 1, -100, 1, 1, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p88_s1	922621_12_item7_p312_s1	Consequently, in establishing premium rates, we attempt to anticipate the potential impact of inflation, including medical cost inflation, construction and auto repair cost inflation and tort issues.	Consequently, in establishing reserves, we attempt to anticipate the potential impact of inflation, including medical cost inflation, construction and auto repair cost inflation and tort issues.	2	[ "<tag1>", "Consequently", ",", "in", "establishing", "premium", "rates", ",", "we", "attempt", "to", "anticipate", "the", "potential", "impact", "of", "inflation", ",", "including", "medical", "cost", "inflation", ",", "construction", "and", "auto", "repair", "cost", "inflation", "and", "tort", "issues", ".", "<tag2>", "Consequently", ",", "in", "establishing", "reserves", ",", "we", "attempt", "to", "anticipate", "the", "potential", "impact", "of", "inflation", ",", "including", "medical", "cost", "inflation", ",", "construction", "and", "auto", "repair", "cost", "inflation", "and", "tort", "issues", ".", "<tag3>" ]	[ "Consequently", ",", "in", "establishing", "premium", "rates", ",", "we", "attempt", "to", "anticipate", "the", "potential", "impact", "of", "inflation", ",", "including", "medical", "cost", "inflation", ",", "construction", "and", "auto", "repair", "cost", "inflation", "and", "tort", "issues", "." ]	[ "Consequently", ",", "in", "establishing", "reserves", ",", "we", "attempt", "to", "anticipate", "the", "potential", "impact", "of", "inflation", ",", "including", "medical", "cost", "inflation", ",", "construction", "and", "auto", "repair", "cost", "inflation", "and", "tort", "issues", "." ]	[]	[ "reserves" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p316_s0	922621_12_item7_p317_s2	Volatility in these markets could impair our ability to sell certain of our fixed income securities or cause such securities to sell at deep discounts.	Volatility in the financial markets could impair Indemnity s ability to sell certain of its fixed income securities or cause such securities to sell at deep discounts.	2	[ "<tag1>", "Volatility", "in", "these", "markets", "could", "impair", "our", "ability", "to", "sell", "certain", "of", "our", "fixed", "income", "securities", "or", "cause", "such", "securities", "to", "sell", "at", "deep", "discounts", ".", "<tag2>", "Volatility", "in", "the", "financial", "markets", "could", "impair", "Indemnity", "s", "ability", "to", "sell", "certain", "of", "its", "fixed", "income", "securities", "or", "cause", "such", "securities", "to", "sell", "at", "deep", "discounts", ".", "<tag3>" ]	[ "Volatility", "in", "these", "markets", "could", "impair", "our", "ability", "to", "sell", "certain", "of", "our", "fixed", "income", "securities", "or", "cause", "such", "securities", "to", "sell", "at", "deep", "discounts", "." ]	[ "Volatility", "in", "the", "financial", "markets", "could", "impair", "Indemnity", "s", "ability", "to", "sell", "certain", "of", "its", "fixed", "income", "securities", "or", "cause", "such", "securities", "to", "sell", "at", "deep", "discounts", "." ]	[]	[ "financial", "Indemnity" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, 1, 0, -100, -100, 1, 0, 0, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p298_s0	922621_12_item7_p329_s0	Indemnity s capital gain and loss strategies take into consideration its ability to offset gains and losses in future periods, carry-back of capital loss opportunities to the three preceding years, and capital loss carry-forward opportunities to apply against future capital gains over the next five years.	Our capital gain and loss strategies take into consideration its ability to offset gains and losses in future periods, carry-back of capital loss opportunities to the three preceding years, and capital loss carry-forward opportunities to apply against future capital gains over the next five years.	2	[ "<tag1>", "Indemnity", "s", "capital", "gain", "and", "loss", "strategies", "take", "into", "consideration", "its", "ability", "to", "offset", "gains", "and", "losses", "in", "future", "periods", ",", "carry", "-", "back", "of", "capital", "loss", "opportunities", "to", "the", "three", "preceding", "years", ",", "and", "capital", "loss", "carry", "-", "forward", "opportunities", "to", "apply", "against", "future", "capital", "gains", "over", "the", "next", "five", "years", ".", "<tag2>", "Our", "capital", "gain", "and", "loss", "strategies", "take", "into", "consideration", "its", "ability", "to", "offset", "gains", "and", "losses", "in", "future", "periods", ",", "carry", "-", "back", "of", "capital", "loss", "opportunities", "to", "the", "three", "preceding", "years", ",", "and", "capital", "loss", "carry", "-", "forward", "opportunities", "to", "apply", "against", "future", "capital", "gains", "over", "the", "next", "five", "years", ".", "<tag3>" ]	[ "Indemnity", "s", "capital", "gain", "and", "loss", "strategies", "take", "into", "consideration", "its", "ability", "to", "offset", "gains", "and", "losses", "in", "future", "periods", ",", "carry", "-", "back", "of", "capital", "loss", "opportunities", "to", "the", "three", "preceding", "years", ",", "and", "capital", "loss", "carry", "-", "forward", "opportunities", "to", "apply", "against", "future", "capital", "gains", "over", "the", "next", "five", "years", "." ]	[ "Our", "capital", "gain", "and", "loss", "strategies", "take", "into", "consideration", "its", "ability", "to", "offset", "gains", "and", "losses", "in", "future", "periods", ",", "carry", "-", "back", "of", "capital", "loss", "opportunities", "to", "the", "three", "preceding", "years", ",", "and", "capital", "loss", "carry", "-", "forward", "opportunities", "to", "apply", "against", "future", "capital", "gains", "over", "the", "next", "five", "years", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p308_s6	922621_12_item7_p331_s2	Net after-tax cash proceeds to Indemnity from this sale were $58 million.	Net after-tax cash proceeds to Indemnity from this sale were $285 million.	2	[ "<tag1>", "Net", "after", "-", "tax", "cash", "proceeds", "to", "Indemnity", "from", "this", "sale", "were", "$", "58", "million", ".", "<tag2>", "Net", "after", "-", "tax", "cash", "proceeds", "to", "Indemnity", "from", "this", "sale", "were", "$", "285", "million", ".", "<tag3>" ]	[ "Net", "after", "-", "tax", "cash", "proceeds", "to", "Indemnity", "from", "this", "sale", "were", "$", "58", "million", "." ]	[ "Net", "after", "-", "tax", "cash", "proceeds", "to", "Indemnity", "from", "this", "sale", "were", "$", "285", "million", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p308_s2	922621_12_item7_p331_s6	Net after-tax cash proceeds to Indemnity from this sale were $285 million.	Net after-tax cash proceeds to Indemnity from this sale were $58 million.	2	[ "<tag1>", "Net", "after", "-", "tax", "cash", "proceeds", "to", "Indemnity", "from", "this", "sale", "were", "$", "285", "million", ".", "<tag2>", "Net", "after", "-", "tax", "cash", "proceeds", "to", "Indemnity", "from", "this", "sale", "were", "$", "58", "million", ".", "<tag3>" ]	[ "Net", "after", "-", "tax", "cash", "proceeds", "to", "Indemnity", "from", "this", "sale", "were", "$", "285", "million", "." ]	[ "Net", "after", "-", "tax", "cash", "proceeds", "to", "Indemnity", "from", "this", "sale", "were", "$", "58", "million", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p319_s0	922621_12_item7_p338_s0	Indemnity Outside of Indemnity s normal operating and investing cash activities, future funding requirements could be met through 1) Indemnity s cash and cash equivalents, which total approximately $11 million at December 31, 2011, 2) a $100 million bank revolving line of credit held by Indemnity, and 3) liquidation of assets held in Indemnity s investment portfolio, including common stock, preferred stock and investment grade bonds which totaled approximately $600 million at December 31, 2011.	Exchange Outside of the Exchange s normal operating and investing cash activities, future funding requirements could be met through: 1) the Exchange s cash and cash equivalents, which total approximately $388 million at December 31, 2012 , 2) a $300 million bank revolving line of credit held by the Exchange, and 3) liquidation of assets held in the Exchange s investment portfolio, including common stock, preferred stock and investment grade bonds which totaled approximately $10.5 billion at December 31, 2012 .	2	[ "<tag1>", "Indemnity", "Outside", "of", "Indemnity", "s", "normal", "operating", "and", "investing", "cash", "activities", ",", "future", "funding", "requirements", "could", "be", "met", "through", "1", ")", "Indemnity", "s", "cash", "and", "cash", "equivalents", ",", "which", "total", "approximately", "$", "11", "million", "at", "December", "31", ",", "2011", ",", "2", ")", "a", "$", "100", "million", "bank", "revolving", "line", "of", "credit", "held", "by", "Indemnity", 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922621_13_item7_p294_s2	922621_12_item7_p339_s0	Volatility in the financial markets could impair Indemnity s ability to sell certain of its fixed income securities or cause such securities to sell at deep discounts.	Volatility in these markets could impair our ability to sell certain of our fixed income securities or cause such securities to sell at deep discounts.	2	[ "<tag1>", "Volatility", "in", "the", "financial", "markets", "could", "impair", "Indemnity", "s", "ability", "to", "sell", "certain", "of", "its", "fixed", "income", "securities", "or", "cause", "such", "securities", "to", "sell", "at", "deep", "discounts", ".", "<tag2>", "Volatility", "in", "these", "markets", "could", "impair", "our", "ability", "to", "sell", "certain", "of", "our", "fixed", "income", "securities", "or", "cause", "such", "securities", "to", "sell", "at", "deep", "discounts", ".", "<tag3>" ]	[ "Volatility", "in", "the", "financial", "markets", "could", "impair", "Indemnity", "s", "ability", "to", "sell", "certain", "of", "its", "fixed", "income", "securities", "or", "cause", "such", "securities", "to", "sell", "at", "deep", "discounts", "." ]	[ "Volatility", "in", "these", "markets", "could", "impair", "our", "ability", "to", "sell", "certain", "of", "our", "fixed", "income", "securities", "or", "cause", "such", "securities", "to", "sell", "at", "deep", "discounts", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p321_s0	922621_12_item7_p340_s0	Indemnity had no borrowings under its line of credit at December 31, 2011.	The Exchange had no borrowings under its line of credit at December 31, 2012 .	2	[ "<tag1>", "Indemnity", "had", "no", "borrowings", "under", "its", "line", "of", "credit", "at", "December", "31", ",", "2011", ".", "<tag2>", "The", "Exchange", "had", "no", "borrowings", "under", "its", "line", "of", "credit", "at", "December", "31", ",", "2012", ".", "<tag3>" ]	[ "Indemnity", "had", "no", "borrowings", "under", "its", "line", "of", "credit", "at", "December", "31", ",", "2011", "." ]	[ "The", "Exchange", "had", "no", "borrowings", "under", "its", "line", "of", "credit", "at", "December", "31", ",", "2012", "." ]	[]	[ "Exchange" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 0, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p322_s1	922621_12_item7_p340_s4	Indemnity was in compliance with its bank covenants at December 31, 2011.	The Exchange was in compliance with its bank covenants at December 31, 2012 .	2	[ "<tag1>", "Indemnity", "was", "in", "compliance", "with", "its", "bank", "covenants", "at", "December", "31", ",", "2011", ".", "<tag2>", "The", "Exchange", "was", "in", "compliance", "with", "its", "bank", "covenants", "at", "December", "31", ",", "2012", ".", "<tag3>" ]	[ "Indemnity", "was", "in", "compliance", "with", "its", "bank", "covenants", "at", "December", "31", ",", "2011", "." ]	[ "The", "Exchange", "was", "in", "compliance", "with", "its", "bank", "covenants", "at", "December", "31", ",", "2012", "." ]	[]	[ "Exchange" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 0, 0, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p249_s2	922621_12_item7_p341_s3	These operating cash flows accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, in 2011 and thereafter.	These components of investment income now accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, in 2011 and thereafter.	2	[ "<tag1>", "These", "operating", "cash", "flows", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "in", "2011", "and", "thereafter", ".", "<tag2>", "These", "components", "of", "investment", "income", "now", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "in", "2011", "and", "thereafter", ".", "<tag3>" ]	[ "These", "operating", "cash", "flows", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "in", "2011", "and", "thereafter", "." ]	[ "These", "components", "of", "investment", "income", "now", "accrue", "to", "the", "interest", "of", "the", "subscribers", "(", "policyholders", ")", "of", "the", "Exchange", ",", "or", "noncontrolling", "interest", ",", "in", "2011", "and", "thereafter", "." ]	[]	[ "components", "investment", "income" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 1, 0, 1, 1, 0, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, 0, -100, 0, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 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 ]
922621_13_item7_p315_s0	922621_12_item7_p342_s0	Exchange Outside of the Exchange s normal operating and investing cash activities, future funding requirements could be met through 1) the Exchange s cash and cash equivalents, which total approximately $174 million at December 31, 2011, 2) a $300 million bank revolving line of credit held by the Exchange, and 3) liquidation of assets held in the Exchange s investment portfolio, including common stock, preferred stock and investment grade bonds which totaled approximately $9.8 billion at December 31, 2011.	Indemnity Outside of Indemnity s normal operating and investing cash activities, future funding requirements could be met through: 1) Indemnity s cash and cash equivalents, which total approximately $12 million at December 31, 2012 , 2) a $100 million bank revolving line of credit held by Indemnity, and 3) liquidation of assets held in Indemnity s investment portfolio, including common stock, preferred stock and investment grade bonds which totaled approximately $389 million at December 31, 2012 .	2	[ "<tag1>", "Exchange", "Outside", "of", "the", "Exchange", "s", "normal", "operating", "and", "investing", "cash", "activities", ",", "future", "funding", "requirements", "could", "be", "met", "through", "1", ")", "the", "Exchange", "s", "cash", "and", "cash", "equivalents", ",", "which", "total", "approximately", "$", "174", "million", "at", "December", "31", ",", "2011", ",", "2", ")", "a", "$", "300", "million", "bank", "revolving", "line", "of", "credit", "held", "by", "the", "Exchange", ",", "and", "3", ")", "liquidation", "of", "assets", "held", "in", "the", "Exchange", "s", "investment", "portfolio", ",", "including", "common", "stock", ",", "preferred", "stock", "and", "investment", "grade", "bonds", "which", "totaled", "approximately", "$", "9.8", "billion", "at", "December", "31", ",", "2011", ".", "<tag2>", "Indemnity", "Outside", "of", "Indemnity", "s", "normal", "operating", "and", "investing", "cash", "activities", ",", "future", "funding", "requirements", "could", "be", "met", "through", ":", "1", ")", "Indemnity", "s", "cash", "and", "cash", "equivalents", ",", "which", "total", "approximately", "$", "12", "million", "at", "December", "31", ",", "2012", ",", "2", ")", "a", "$", "100", "million", "bank", "revolving", "line", "of", "credit", "held", "by", "Indemnity", ",", "and", "3", ")", "liquidation", "of", "assets", "held", "in", "Indemnity", "s", "investment", "portfolio", ",", "including", "common", "stock", ",", "preferred", "stock", "and", "investment", "grade", "bonds", "which", "totaled", "approximately", "$", "389", "million", "at", "December", "31", ",", "2012", ".", "<tag3>" ]	[ "Exchange", "Outside", "of", "the", "Exchange", "s", "normal", "operating", "and", "investing", "cash", "activities", ",", "future", "funding", "requirements", "could", "be", "met", "through", "1", ")", "the", "Exchange", "s", "cash", "and", "cash", "equivalents", ",", "which", "total", "approximately", "$", "174", "million", "at", "December", "31", ",", "2011", ",", "2", ")", "a", "$", "300", "million", "bank", "revolving", "line", "of", "credit", "held", "by", "the", "Exchange", ",", "and", "3", ")", "liquidation", "of", "assets", "held", "in", "the", "Exchange", "s", "investment", "portfolio", ",", "including", "common", "stock", ",", "preferred", "stock", "and", "investment", "grade", "bonds", "which", "totaled", "approximately", "$", "9.8", "billion", "at", "December", "31", ",", "2011", "." ]	[ "Indemnity", "Outside", "of", "Indemnity", "s", "normal", "operating", "and", "investing", "cash", "activities", ",", "future", "funding", "requirements", "could", "be", "met", "through", ":", "1", ")", "Indemnity", "s", "cash", "and", "cash", "equivalents", ",", "which", "total", "approximately", "$", "12", "million", "at", "December", "31", ",", "2012", ",", "2", ")", "a", "$", "100", "million", "bank", "revolving", "line", "of", "credit", "held", "by", "Indemnity", ",", "and", "3", ")", "liquidation", "of", "assets", "held", "in", "Indemnity", "s", "investment", "portfolio", ",", "including", "common", "stock", ",", "preferred", "stock", "and", "investment", "grade", "bonds", "which", "totaled", "approximately", "$", "389", "million", "at", "December", "31", ",", "2012", "." ]	[]	[ "Indemnity", "Indemnity", "Indemnity", "Indemnity", "Indemnity" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, 0, 1, -100, -100, -100, -100, 0, -100, -100, 0, 0, 0, 0, 0, -100, -100, 0, -100, -100, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 1, -100, -100, 0, 0, -100, -100, -100, -100, 0, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p317_s0	922621_12_item7_p344_s0	The Exchange had no borrowings under its line of credit at December 31, 2011.	Indemnity had no borrowings under its line of credit at December 31, 2012 .	2	[ "<tag1>", "The", "Exchange", "had", "no", "borrowings", "under", "its", "line", "of", "credit", "at", "December", "31", ",", "2011", ".", "<tag2>", "Indemnity", "had", "no", "borrowings", "under", "its", "line", "of", "credit", "at", "December", "31", ",", "2012", ".", "<tag3>" ]	[ "The", "Exchange", "had", "no", "borrowings", "under", "its", "line", "of", "credit", "at", "December", "31", ",", "2011", "." ]	[ "Indemnity", "had", "no", "borrowings", "under", "its", "line", "of", "credit", "at", "December", "31", ",", "2012", "." ]	[]	[ "Indemnity" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, 0, -100, -100, -100, -100, -100, 0, 0, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p317_s4	922621_12_item7_p345_s1	The Exchange was in compliance with its bank covenants at December 31, 2011.	Indemnity was in compliance with its bank covenants at December 31, 2012 .	2	[ "<tag1>", "The", "Exchange", "was", "in", "compliance", "with", "its", "bank", "covenants", "at", "December", "31", ",", "2011", ".", "<tag2>", "Indemnity", "was", "in", "compliance", "with", "its", "bank", "covenants", "at", "December", "31", ",", "2012", ".", "<tag3>" ]	[ "The", "Exchange", "was", "in", "compliance", "with", "its", "bank", "covenants", "at", "December", "31", ",", "2011", "." ]	[ "Indemnity", "was", "in", "compliance", "with", "its", "bank", "covenants", "at", "December", "31", ",", "2012", "." ]	[]	[ "Indemnity" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p331_s7	922621_12_item7_p358_s0	(6) Contractual obligations on gross long-term liabilities represent estimated benefit payments from insurance policies and annuity contracts including claims currently payable.	(5) Life gross long-term liabilities represent estimated benefit payments from insurance policies and annuity contracts including claims currently payable.	2	[ "<tag1>", "(", "6", ")", "Contractual", "obligations", "on", "gross", "long", "-", "term", "liabilities", "represent", "estimated", "benefit", "payments", "from", "insurance", "policies", "and", "annuity", "contracts", "including", "claims", "currently", "payable", ".", "<tag2>", "(", "5", ")", "Life", "gross", "long", "-", "term", "liabilities", "represent", "estimated", "benefit", "payments", "from", "insurance", "policies", "and", "annuity", "contracts", "including", "claims", "currently", "payable", ".", "<tag3>" ]	[ "(", "6", ")", "Contractual", "obligations", "on", "gross", "long", "-", "term", "liabilities", "represent", "estimated", "benefit", "payments", "from", "insurance", "policies", "and", "annuity", "contracts", "including", "claims", "currently", "payable", "." ]	[ "(", "5", ")", "Life", "gross", "long", "-", "term", "liabilities", "represent", "estimated", "benefit", "payments", "from", "insurance", "policies", "and", "annuity", "contracts", "including", "claims", "currently", "payable", "." ]	[]	[ "Life" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, 1, 0, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p181_s0	922621_12_item7_p36_s1	Management fee revenue is based upon all premiums written or assumed by the Exchange and the management fee rate, which is not to exceed 25%.	Management fee revenue Management fee revenue is based upon all premiums written or assumed by the Exchange and the management fee rate, which is determined by our Board of Directors at least annually.	2	[ "<tag1>", "Management", "fee", "revenue", "is", "based", "upon", "all", "premiums", "written", "or", "assumed", "by", "the", "Exchange", "and", "the", "management", "fee", "rate", ",", "which", "is", "not", "to", "exceed", "25", "%", ".", "<tag2>", "Management", "fee", "revenue", "Management", "fee", "revenue", "is", "based", "upon", "all", "premiums", "written", "or", "assumed", "by", "the", "Exchange", "and", "the", "management", "fee", "rate", ",", "which", "is", "determined", "by", "our", "Board", "of", "Directors", "at", "least", "annually", ".", "<tag3>" ]	[ "Management", "fee", "revenue", "is", "based", "upon", "all", "premiums", "written", "or", "assumed", "by", "the", "Exchange", "and", "the", "management", "fee", "rate", ",", "which", "is", "not", "to", "exceed", "25", "%", "." ]	[ "Management", "fee", "revenue", "Management", "fee", "revenue", "is", "based", "upon", "all", "premiums", "written", "or", "assumed", "by", "the", "Exchange", "and", "the", "management", "fee", "rate", ",", "which", "is", "determined", "by", "our", "Board", "of", "Directors", "at", "least", "annually", "." ]	[]	[ "determined", "Board", "Directors", "least", "annually" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, 0, -100, 0, 0, -100, -100, 0, 0, 0, 0, -100, 0, -100, -100, 0, 0, -100, -100, -100, -100, 0, -100, 1, -100, -100, 1, 0, 1, 0, 1, 1, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p191_s0	922621_12_item7_p379_s0	Prior to and through December 31, 2010, the underwriting results retained by Erie Insurance Company and Erie Insurance Company of New York accrued to the Indemnity shareholder interest.	(1) Prior to and through December 31, 2010, the underwriting results retained by EIC and ENY accrued to the Indemnity shareholder interest.	2	[ "<tag1>", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "Erie", "Insurance", "Company", "and", "Erie", "Insurance", "Company", "of", "New", "York", "accrued", "to", "the", "Indemnity", "shareholder", "interest", ".", "<tag2>", "(", "1", ")", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "EIC", "and", "ENY", "accrued", "to", "the", "Indemnity", "shareholder", "interest", ".", "<tag3>" ]	[ "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "Erie", "Insurance", "Company", "and", "Erie", "Insurance", "Company", "of", "New", "York", "accrued", "to", "the", "Indemnity", "shareholder", "interest", "." ]	[ "(", "1", ")", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "EIC", "and", "ENY", "accrued", "to", "the", "Indemnity", "shareholder", "interest", "." ]	[]	[ "1", "EIC", "ENY" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 0, -100, -100, -100, 0, -100, -100, -100, 0, -100, 0, 0, -100, -100, 0, 1, 0, 1, -100, -100, -100, 0, -100, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p39_s2	922621_12_item7_p379_s0	Prior to and through December 31, 2010, the underwriting results retained by Erie Insurance Company and Erie Insurance Company of New York accrued to the Indemnity shareholder interest.	Prior to and through December 31, 2010, the underwriting results retained by EIC and ENY accrued to the Indemnity shareholder interest.	2	[ "<tag1>", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "Erie", "Insurance", "Company", "and", "Erie", "Insurance", "Company", "of", "New", "York", "accrued", "to", "the", "Indemnity", "shareholder", "interest", ".", "<tag2>", "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "EIC", "and", "ENY", "accrued", "to", "the", "Indemnity", "shareholder", "interest", ".", "<tag3>" ]	[ "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "Erie", "Insurance", "Company", "and", "Erie", "Insurance", "Company", "of", "New", "York", "accrued", "to", "the", "Indemnity", "shareholder", "interest", "." ]	[ "Prior", "to", "and", "through", "December", "31", ",", "2010", ",", "the", "underwriting", "results", "retained", "by", "EIC", "and", "ENY", "accrued", "to", "the", "Indemnity", "shareholder", "interest", "." ]	[]	[ "EIC", "ENY" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, 0, -100, -100, 0, 0, -100, 0, 0, -100, -100, -100, 1, -100, 1, -100, 0, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p357_s0	922621_12_item7_p388_s0	Surplus Notes Indemnity holds a surplus note for $25 million from EFL that is payable on demand on or after December 31, 2018; however, no principal or interest payments may be made without prior approval of the Pennsylvania Insurance Commissioner.	The Exchange holds a surplus note for $20 million from EFL that is payable on demand on or after December 31, 2025 ; however, no principal or interest payments may be made without prior approval by the Pennsylvania Insurance Commissioner.	2	[ "<tag1>", "Surplus", "Notes", "Indemnity", "holds", "a", "surplus", "note", "for", "$", "25", "million", "from", "EFL", "that", "is", "payable", "on", "demand", "on", "or", "after", "December", "31", ",", "2018", ";", "however", ",", "no", "principal", "or", "interest", "payments", "may", "be", "made", "without", "prior", "approval", "of", "the", "Pennsylvania", "Insurance", "Commissioner", ".", "<tag2>", "The", "Exchange", "holds", "a", "surplus", "note", "for", "$", "20", "million", "from", "EFL", "that", "is", "payable", "on", "demand", "on", "or", "after", "December", "31", ",", "2025", ";", "however", ",", "no", "principal", "or", "interest", "payments", "may", "be", "made", "without", "prior", "approval", "by", "the", "Pennsylvania", "Insurance", "Commissioner", ".", "<tag3>" ]	[ "Surplus", "Notes", "Indemnity", "holds", "a", "surplus", "note", "for", "$", "25", "million", "from", "EFL", "that", "is", "payable", "on", "demand", "on", "or", "after", "December", "31", ",", "2018", ";", "however", ",", "no", "principal", "or", "interest", "payments", "may", "be", "made", "without", "prior", "approval", "of", "the", "Pennsylvania", "Insurance", "Commissioner", "." ]	[ "The", "Exchange", "holds", "a", "surplus", "note", "for", "$", "20", "million", "from", "EFL", "that", "is", "payable", "on", "demand", "on", "or", "after", "December", "31", ",", "2025", ";", "however", ",", "no", "principal", "or", "interest", "payments", "may", "be", "made", "without", "prior", "approval", "by", "the", "Pennsylvania", "Insurance", "Commissioner", "." ]	[]	[ "Exchange" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 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 ]
922621_13_item7_p356_s0	922621_12_item7_p389_s0	The Exchange holds a surplus note for $20 million from EFL that is payable on demand on or after December 31, 2025; however, as stated above, no principal or interest payments may be made without prior approval of the Pennsylvania Insurance Commissioner.	Surplus Notes Indemnity holds a surplus note for $25 million from EFL that is payable on demand on or after December 31, 2018 ; however, no principal or interest payments may be made without prior approval by the Pennsylvania Insurance Commissioner.	2	[ "<tag1>", "The", "Exchange", "holds", "a", "surplus", "note", "for", "$", "20", "million", "from", "EFL", "that", "is", "payable", "on", "demand", "on", "or", "after", "December", "31", ",", "2025", ";", "however", ",", "as", "stated", "above", ",", "no", "principal", "or", "interest", "payments", "may", "be", "made", "without", "prior", "approval", "of", "the", "Pennsylvania", "Insurance", "Commissioner", ".", "<tag2>", "Surplus", "Notes", "Indemnity", "holds", "a", "surplus", "note", "for", "$", "25", "million", "from", "EFL", "that", "is", "payable", "on", "demand", "on", "or", "after", "December", "31", ",", "2018", ";", "however", ",", "no", "principal", "or", "interest", "payments", "may", "be", "made", "without", "prior", "approval", "by", "the", "Pennsylvania", "Insurance", "Commissioner", ".", "<tag3>" ]	[ "The", "Exchange", "holds", "a", "surplus", "note", "for", "$", "20", "million", "from", "EFL", "that", "is", "payable", "on", "demand", "on", "or", "after", "December", "31", ",", "2025", ";", "however", ",", "as", "stated", "above", ",", "no", "principal", "or", "interest", "payments", "may", "be", "made", "without", "prior", "approval", "of", "the", "Pennsylvania", "Insurance", "Commissioner", "." ]	[ "Surplus", "Notes", "Indemnity", "holds", "a", "surplus", "note", "for", "$", "25", "million", "from", "EFL", "that", "is", "payable", "on", "demand", "on", "or", "after", "December", "31", ",", "2018", ";", "however", ",", "no", "principal", "or", "interest", "payments", "may", "be", "made", "without", "prior", "approval", "by", "the", "Pennsylvania", "Insurance", "Commissioner", "." ]	[]	[ "Surplus", "Notes", "Indemnity" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 1, 1, -100, 0, -100, -100, -100, -100, -100, 0, -100, 0, -100, 0, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p44_s1	922621_12_item7_p46_s0	and morbidity experience, persistency experience to enable the recovery of acquisition costs, maintenance of interest spreads over the amounts credited to deposit funds and the maintenance of strong ratings from rating agencies.	Other drivers include mortality and morbidity experience, persistency experience to enable the recovery of acquisition costs, maintenance of interest spreads over the amounts credited to deposit funds and the maintenance of strong ratings from rating agencies.	2	[ "<tag1>", "and", "morbidity", "experience", ",", "persistency", "experience", "to", "enable", "the", "recovery", "of", "acquisition", "costs", ",", "maintenance", "of", "interest", "spreads", "over", "the", "amounts", "credited", "to", "deposit", "funds", "and", "the", "maintenance", "of", "strong", "ratings", "from", "rating", "agencies", ".", "<tag2>", "Other", "drivers", "include", "mortality", "and", "morbidity", "experience", ",", "persistency", "experience", "to", "enable", "the", "recovery", "of", "acquisition", "costs", ",", "maintenance", "of", "interest", "spreads", "over", "the", "amounts", "credited", "to", "deposit", "funds", "and", "the", "maintenance", "of", "strong", "ratings", "from", "rating", "agencies", ".", "<tag3>" ]	[ "and", "morbidity", "experience", ",", "persistency", "experience", "to", "enable", "the", "recovery", "of", "acquisition", "costs", ",", "maintenance", "of", "interest", "spreads", "over", "the", "amounts", "credited", "to", "deposit", "funds", "and", "the", "maintenance", "of", "strong", "ratings", "from", "rating", "agencies", "." ]	[ "Other", "drivers", "include", "mortality", "and", "morbidity", "experience", ",", "persistency", "experience", "to", "enable", "the", "recovery", "of", "acquisition", "costs", ",", "maintenance", "of", "interest", "spreads", "over", "the", "amounts", "credited", "to", "deposit", "funds", "and", "the", "maintenance", "of", "strong", "ratings", "from", "rating", "agencies", "." ]	[]	[ "drivers", "include", "mortality" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 1, 1, 1, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, 0, 0, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, 0, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p6_s0	922621_12_item7_p6_s0	A forward-looking statement speaks only as of the date on which it is made and reflects Indemnity s analysis only as of that date.	A forward-looking statement speaks only as of the date on which it is made and reflects our analysis only as of that date.	2	[ "<tag1>", "A", "forward", "-", "looking", "statement", "speaks", "only", "as", "of", "the", "date", "on", "which", "it", "is", "made", "and", "reflects", "Indemnity", "s", "analysis", "only", "as", "of", "that", "date", ".", "<tag2>", "A", "forward", "-", "looking", "statement", "speaks", "only", "as", "of", "the", "date", "on", "which", "it", "is", "made", "and", "reflects", "our", "analysis", "only", "as", "of", "that", "date", ".", "<tag3>" ]	[ "A", "forward", "-", "looking", "statement", "speaks", "only", "as", "of", "the", "date", "on", "which", "it", "is", "made", "and", "reflects", "Indemnity", "s", "analysis", "only", "as", "of", "that", "date", "." ]	[ "A", "forward", "-", "looking", "statement", "speaks", "only", "as", "of", "the", "date", "on", "which", "it", "is", "made", "and", "reflects", "our", "analysis", "only", "as", "of", "that", "date", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p6_s1	922621_12_item7_p6_s1	Indemnity undertakes no obligation to publicly update or revise any forward-looking statement, whether as a result of new information, future events, changes in assumptions, or otherwise.	We undertake no obligation to publicly update or revise any forward-looking statement, whether as a result of new information, future events, changes in assumptions, or otherwise.	2	[ "<tag1>", "Indemnity", "undertakes", "no", "obligation", "to", "publicly", "update", "or", "revise", "any", "forward", "-", "looking", "statement", ",", "whether", "as", "a", "result", "of", "new", "information", ",", "future", "events", ",", "changes", "in", "assumptions", ",", "or", "otherwise", ".", "<tag2>", "We", "undertake", "no", "obligation", "to", "publicly", "update", "or", "revise", "any", "forward", "-", "looking", "statement", ",", "whether", "as", "a", "result", "of", "new", "information", ",", "future", "events", ",", "changes", "in", "assumptions", ",", "or", "otherwise", ".", "<tag3>" ]	[ "Indemnity", "undertakes", "no", "obligation", "to", "publicly", "update", "or", "revise", "any", "forward", "-", "looking", "statement", ",", "whether", "as", "a", "result", "of", "new", "information", ",", "future", "events", ",", "changes", "in", "assumptions", ",", "or", "otherwise", "." ]	[ "We", "undertake", "no", "obligation", "to", "publicly", "update", "or", "revise", "any", "forward", "-", "looking", "statement", ",", "whether", "as", "a", "result", "of", "new", "information", ",", "future", "events", ",", "changes", "in", "assumptions", ",", "or", "otherwise", "." ]	[]	[ "undertake" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p7_s0	922621_12_item7_p7_s0	Financial Statements and Supplementary Data - Note 2, Significant Accounting Policies, of Notes to Consolidated Financial Statements contained within this report for a discussion of recently issued accounting pronouncements, none of which are expected to have a material impact on our future financial condition, results of operations or cash flows.	Financial Statements and Supplementary Data - Note 2, Si gnificant Accounting Policies, of Notes to Consolidated Financial Statements contained within this report for a discussion of adopted and/or pending accounting pronouncements, none of which are expected to have a material impact on our future financial condition, results of operations or cash flows.	2	[ "<tag1>", "Financial", "Statements", "and", "Supplementary", "Data", "-", "Note", "2", ",", "Significant", "Accounting", "Policies", ",", "of", "Notes", "to", "Consolidated", "Financial", "Statements", "contained", "within", "this", "report", "for", "a", "discussion", "of", "recently", "issued", "accounting", "pronouncements", ",", "none", "of", "which", "are", "expected", "to", "have", "a", "material", "impact", "on", "our", "future", "financial", "condition", ",", "results", "of", "operations", "or", "cash", "flows", ".", "<tag2>", "Financial", "Statements", "and", "Supplementary", "Data", "-", "Note", "2", ",", "Si", "gnificant", "Accounting", "Policies", ",", "of", "Notes", "to", "Consolidated", "Financial", "Statements", "contained", "within", "this", "report", "for", "a", "discussion", "of", "adopted", "and/or", "pending", "accounting", "pronouncements", ",", "none", "of", "which", "are", "expected", "to", "have", "a", "material", "impact", "on", "our", "future", "financial", "condition", ",", "results", "of", "operations", "or", "cash", "flows", ".", "<tag3>" ]	[ "Financial", "Statements", "and", "Supplementary", "Data", "-", "Note", "2", ",", "Significant", "Accounting", "Policies", ",", "of", "Notes", "to", "Consolidated", "Financial", "Statements", "contained", "within", "this", "report", "for", "a", "discussion", "of", "recently", "issued", "accounting", "pronouncements", ",", "none", "of", "which", "are", "expected", "to", "have", "a", "material", "impact", "on", "our", "future", "financial", "condition", ",", "results", "of", "operations", "or", "cash", "flows", "." ]	[ "Financial", "Statements", "and", "Supplementary", "Data", "-", "Note", "2", ",", "Si", "gnificant", "Accounting", "Policies", ",", "of", "Notes", "to", "Consolidated", "Financial", "Statements", "contained", "within", "this", "report", "for", "a", "discussion", "of", "adopted", "and/or", "pending", "accounting", "pronouncements", ",", "none", "of", "which", "are", "expected", "to", "have", "a", "material", "impact", "on", "our", "future", "financial", "condition", ",", "results", "of", "operations", "or", "cash", "flows", "." ]	[]	[ "Si", "gnificant", "adopted", "and/or", "pending" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, -100, 0, 0, -100, -100, 0, 1, 1, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, 0, 0, 0, 1, 1, 1, -100, -100, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, 0, 0, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p290_s1	922621_12_item7_p90_s1	Consequently, in establishing reserves, we attempt to anticipate the potential impact of inflation, including medical cost inflation, construction and auto repair cost inflation and tort issues.	Consequently, in establishing premium rates, we attempt to anticipate the potential impact of inflation, including medical cost inflation, construction and auto repair cost inflation and tort issues.	2	[ "<tag1>", "Consequently", ",", "in", "establishing", "reserves", ",", "we", "attempt", "to", "anticipate", "the", "potential", "impact", "of", "inflation", ",", "including", "medical", "cost", "inflation", ",", "construction", "and", "auto", "repair", "cost", "inflation", "and", "tort", "issues", ".", "<tag2>", "Consequently", ",", "in", "establishing", "premium", "rates", ",", "we", "attempt", "to", "anticipate", "the", "potential", "impact", "of", "inflation", ",", "including", "medical", "cost", "inflation", ",", "construction", "and", "auto", "repair", "cost", "inflation", "and", "tort", "issues", ".", "<tag3>" ]	[ "Consequently", ",", "in", "establishing", "reserves", ",", "we", "attempt", "to", "anticipate", "the", "potential", "impact", "of", "inflation", ",", "including", "medical", "cost", "inflation", ",", "construction", "and", "auto", "repair", "cost", "inflation", "and", "tort", "issues", "." ]	[ "Consequently", ",", "in", "establishing", "premium", "rates", ",", "we", "attempt", "to", "anticipate", "the", "potential", "impact", "of", "inflation", ",", "including", "medical", "cost", "inflation", ",", "construction", "and", "auto", "repair", "cost", "inflation", "and", "tort", "issues", "." ]	[]	[ "premium", "rates" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 1, 1, -100, -100, -100, -100, 0, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, 0, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_13_item7_p92_s1	922621_12_item7_p94_s1	Future medical cost increases and claimant mortality assumptions utilized in the reserve estimates for massive injury lifetime medical claims are obtained from industry studies adjusted for our own experience.	Future medical co st increases and claimant mortality a ssumptions utilized in the reserve estimates for massive injury lifetime medical claims are obtained from industry studies adjusted for our own experience.	2	[ "<tag1>", "Future", "medical", "cost", "increases", "and", "claimant", "mortality", "assumptions", "utilized", "in", "the", "reserve", "estimates", "for", "massive", "injury", "lifetime", "medical", "claims", "are", "obtained", "from", "industry", "studies", "adjusted", "for", "our", "own", "experience", ".", "<tag2>", "Future", "medical", "co", "st", "increases", "and", "claimant", "mortality", "a", "ssumptions", "utilized", "in", "the", "reserve", "estimates", "for", "massive", "injury", "lifetime", "medical", "claims", "are", "obtained", "from", "industry", "studies", "adjusted", "for", "our", "own", "experience", ".", "<tag3>" ]	[ "Future", "medical", "cost", "increases", "and", "claimant", "mortality", "assumptions", "utilized", "in", "the", "reserve", "estimates", "for", "massive", "injury", "lifetime", "medical", "claims", "are", "obtained", "from", "industry", "studies", "adjusted", "for", "our", "own", "experience", "." ]	[ "Future", "medical", "co", "st", "increases", "and", "claimant", "mortality", "a", "ssumptions", "utilized", "in", "the", "reserve", "estimates", "for", "massive", "injury", "lifetime", "medical", "claims", "are", "obtained", "from", "industry", "studies", "adjusted", "for", "our", "own", "experience", "." ]	[]	[ "co", "st", "ssumptions" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 1, 1, -100, -100, 0, 0, 0, 1, -100, -100, -100, -100, 0, -100, -100, -100, 0, 0, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 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 ]
922621_14_item7_p104_s2	922621_13_item7_p104_s1	The discount on these reserves was $49 million at December 31, 2012 .	The discount on these reserves was $23 million at December 31, 2013 .	2	[ "<tag1>", "The", "discount", "on", "these", "reserves", "was", "$", "49", "million", "at", "December", "31", ",", "2012", ".", "<tag2>", "The", "discount", "on", "these", "reserves", "was", "$", "23", "million", "at", "December", "31", ",", "2013", ".", "<tag3>" ]	[ "The", "discount", "on", "these", "reserves", "was", "$", "49", "million", "at", "December", "31", ",", "2012", "." ]	[ "The", "discount", "on", "these", "reserves", "was", "$", "23", "million", "at", "December", "31", ",", "2013", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p105_s1	922621_13_item7_p104_s1	The discount on these reserves was $49 million at December 31, 2012 .	The discount on these reserves was $62 million at December 31, 2013 .	2	[ "<tag1>", "The", "discount", "on", "these", "reserves", "was", "$", "49", "million", "at", "December", "31", ",", "2012", ".", "<tag2>", "The", "discount", "on", "these", "reserves", "was", "$", "62", "million", "at", "December", "31", ",", "2013", ".", "<tag3>" ]	[ "The", "discount", "on", "these", "reserves", "was", "$", "49", "million", "at", "December", "31", ",", "2012", "." ]	[ "The", "discount", "on", "these", "reserves", "was", "$", "62", "million", "at", "December", "31", ",", "2013", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p108_s3	922621_13_item7_p108_s0	revised assumptions, the existing contract liabilities together with the present value of future gross premiums are not sufficient to cover the present value of future expected benefits and maintenance costs and to recover unamortized acquisition costs.	A premium deficiency exists if, based upon revised assumptions, the existing contract liabilities together with the present value of future gross premiums are not sufficient to cover the present value of future expected benefits and maintenance costs and to recover unamortized acquisition costs.	2	[ "<tag1>", "revised", "assumptions", ",", "the", "existing", "contract", "liabilities", "together", "with", "the", "present", "value", "of", "future", "gross", "premiums", "are", "not", "sufficient", "to", "cover", "the", "present", "value", "of", "future", "expected", "benefits", "and", "maintenance", "costs", "and", "to", "recover", "unamortized", "acquisition", "costs", ".", "<tag2>", "A", "premium", "deficiency", "exists", "if", ",", "based", "upon", "revised", "assumptions", ",", "the", "existing", "contract", "liabilities", "together", "with", "the", "present", "value", "of", "future", "gross", "premiums", "are", "not", "sufficient", "to", "cover", "the", "present", "value", "of", "future", "expected", "benefits", "and", "maintenance", "costs", "and", "to", "recover", "unamortized", "acquisition", "costs", ".", "<tag3>" ]	[ "revised", "assumptions", ",", "the", "existing", "contract", "liabilities", "together", "with", "the", "present", "value", "of", "future", "gross", "premiums", "are", "not", "sufficient", "to", "cover", "the", "present", "value", "of", "future", "expected", "benefits", "and", "maintenance", "costs", "and", "to", "recover", "unamortized", "acquisition", "costs", "." ]	[ "A", "premium", "deficiency", "exists", "if", ",", "based", "upon", "revised", "assumptions", ",", "the", "existing", "contract", "liabilities", "together", "with", "the", "present", "value", "of", "future", "gross", "premiums", "are", "not", "sufficient", "to", "cover", "the", "present", "value", "of", "future", "expected", "benefits", "and", "maintenance", "costs", "and", "to", "recover", "unamortized", "acquisition", "costs", "." ]	[]	[ "premium", "deficiency", "exists", "based", "upon" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 1, 1, 0, 0, 1, 1, -100, -100, -100, 0, 0, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, 0, 0, 0, -100, -100, -100, 0, 0, -100, 0, -100, -100, -100, -100, -100, -100, 0, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p126_s1	922621_13_item7_p127_s0	valuation and there is a lack of transparency as to whether these quotes are based upon information that is observable in the marketplace.	Securities are assigned to Level 3 in cases where non-binding broker quotes are significant to the valuation and there is a lack of transparency as to whether these quotes are based upon information that is observable in the marketplace.	2	[ "<tag1>", "valuation", "and", "there", "is", "a", "lack", "of", "transparency", "as", "to", "whether", "these", "quotes", "are", "based", "upon", "information", "that", "is", "observable", "in", "the", "marketplace", ".", "<tag2>", "Securities", "are", "assigned", "to", "Level", "3", "in", "cases", "where", "non", "-", "binding", "broker", "quotes", "are", "significant", "to", "the", "valuation", "and", "there", "is", "a", "lack", "of", "transparency", "as", "to", "whether", "these", "quotes", "are", "based", "upon", "information", "that", "is", "observable", "in", "the", "marketplace", ".", "<tag3>" ]	[ "valuation", "and", "there", "is", "a", "lack", "of", "transparency", "as", "to", "whether", "these", "quotes", "are", "based", "upon", "information", "that", "is", "observable", "in", "the", "marketplace", "." ]	[ "Securities", "are", "assigned", "to", "Level", "3", "in", "cases", "where", "non", "-", "binding", "broker", "quotes", "are", "significant", "to", "the", "valuation", "and", "there", "is", "a", "lack", "of", "transparency", "as", "to", "whether", "these", "quotes", "are", "based", "upon", "information", "that", "is", "observable", "in", "the", "marketplace", "." ]	[]	[ "Securities", "assigned", "Level", "3", "cases", "non", "binding", "broker", "significant" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, 0, 1, 0, 1, 1, 0, 1, 0, 1, 0, 1, 1, 0, 0, 1, 0, -100, -100, 0, 0, -100, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -100, 0, -100, 0, 0, -100, 0, 0, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p127_s0	922621_13_item7_p128_s1	Fair value for these securities are generally determined using comparable securities or non-binding broker quotes received from outside broker dealers based upon security type and market conditions.	securities are generally determined using comparable securities or non-binding broker quotes received from outside broker dealers based upon security type and market conditions.	2	[ "<tag1>", "Fair", "value", "for", "these", "securities", "are", "generally", "determined", "using", "comparable", "securities", "or", "non", "-", "binding", "broker", "quotes", "received", "from", "outside", "broker", "dealers", "based", "upon", "security", "type", "and", "market", "conditions", ".", "<tag2>", "securities", "are", "generally", "determined", "using", "comparable", "securities", "or", "non", "-", "binding", "broker", "quotes", "received", "from", "outside", "broker", "dealers", "based", "upon", "security", "type", "and", "market", "conditions", ".", "<tag3>" ]	[ "Fair", "value", "for", "these", "securities", "are", "generally", "determined", "using", "comparable", "securities", "or", "non", "-", "binding", "broker", "quotes", "received", "from", "outside", "broker", "dealers", "based", "upon", "security", "type", "and", "market", "conditions", "." ]	[ "securities", "are", "generally", "determined", "using", "comparable", "securities", "or", "non", "-", "binding", "broker", "quotes", "received", "from", "outside", "broker", "dealers", "based", "upon", "security", "type", "and", "market", "conditions", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p128_s0	922621_13_item7_p129_s0	This category primarily consists of certain private preferred stock and bond securities as well as collateralized debt and loan obligations.	This category primarily consists of certain private securities as well as collateralized debt obligations.	2	[ "<tag1>", "This", "category", "primarily", "consists", "of", "certain", "private", "preferred", "stock", "and", "bond", "securities", "as", "well", "as", "collateralized", "debt", "and", "loan", "obligations", ".", "<tag2>", "This", "category", "primarily", "consists", "of", "certain", "private", "securities", "as", "well", "as", "collateralized", "debt", "obligations", ".", "<tag3>" ]	[ "This", "category", "primarily", "consists", "of", "certain", "private", "preferred", "stock", "and", "bond", "securities", "as", "well", "as", "collateralized", "debt", "and", "loan", "obligations", "." ]	[ "This", "category", "primarily", "consists", "of", "certain", "private", "securities", "as", "well", "as", "collateralized", "debt", "obligations", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p176_s3	922621_13_item7_p132_s2	The methodologies used by the pricing service that support a Level 2 classification of a financial instrument include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers and reference data.	The methodologies used by the trustee and custodian that support a financial instrument Level 2 classification include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuers spreads, two-sided markets, benchmark securities, bids, offers, and reference data.	2	[ "<tag1>", "The", "methodologies", "used", "by", "the", "pricing", "service", "that", "support", "a", "Level", "2", "classification", "of", "a", "financial", "instrument", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuer", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", "and", "reference", "data", ".", "<tag2>", "The", "methodologies", "used", "by", "the", "trustee", "and", "custodian", "that", "support", "a", "financial", "instrument", "Level", "2", "classification", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuers", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", ",", "and", "reference", "data", ".", "<tag3>" ]	[ "The", "methodologies", "used", "by", "the", "pricing", "service", "that", "support", "a", "Level", "2", "classification", "of", "a", "financial", "instrument", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuer", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", "and", "reference", "data", "." ]	[ "The", "methodologies", "used", "by", "the", "trustee", "and", "custodian", "that", "support", "a", "financial", "instrument", "Level", "2", "classification", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuers", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", ",", "and", "reference", "data", "." ]	[]	[ "trustee", "custodian", "issuers" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, 1, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, 1, -100, -100, 0, -100, -100, 0, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p18_s0	922621_13_item7_p15_s0	other income and expenses, including income taxes, that are the responsibility of Indemnity.	other income and expenses, including income taxes, that are the responsibility of the Exchange and its subsidiaries.	2	[ "<tag1>", "other", "income", "and", "expenses", ",", "including", "income", "taxes", ",", "that", "are", "the", "responsibility", "of", "Indemnity", ".", "<tag2>", "other", "income", "and", "expenses", ",", "including", "income", "taxes", ",", "that", "are", "the", "responsibility", "of", "the", "Exchange", "and", "its", "subsidiaries", ".", "<tag3>" ]	[ "other", "income", "and", "expenses", ",", "including", "income", "taxes", ",", "that", "are", "the", "responsibility", "of", "Indemnity", "." ]	[ "other", "income", "and", "expenses", ",", "including", "income", "taxes", ",", "that", "are", "the", "responsibility", "of", "the", "Exchange", "and", "its", "subsidiaries", "." ]	[]	[ "Exchange", "subsidiaries" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 0, -100, -100, -100, -100, -100, 0, -100, 0, -100, -100, 0, 0, 1, -100, -100, 1, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p169_s0	922621_13_item7_p168_s3	Spot rates (zero coupon bond yields) are developed from the yield curve and used to discount be nefit payment amounts associated with each future year.	the yield curve and used to discount benefit payment amounts associated with each future year.	2	[ "<tag1>", "Spot", "rates", "(", "zero", "coupon", "bond", "yields", ")", "are", "developed", "from", "the", "yield", "curve", "and", "used", "to", "discount", "be", "nefit", "payment", "amounts", "associated", "with", "each", "future", "year", ".", "<tag2>", "the", "yield", "curve", "and", "used", "to", "discount", "benefit", "payment", "amounts", "associated", "with", "each", "future", "year", ".", "<tag3>" ]	[ "Spot", "rates", "(", "zero", "coupon", "bond", "yields", ")", "are", "developed", "from", "the", "yield", "curve", "and", "used", "to", "discount", "be", "nefit", "payment", "amounts", "associated", "with", "each", "future", "year", "." ]	[ "the", "yield", "curve", "and", "used", "to", "discount", "benefit", "payment", "amounts", "associated", "with", "each", "future", "year", "." ]	[]	[ "benefit" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 0, -100, -100, -100, -100, 1, -100, 0, -100, -100, -100, -100, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p169_s1	922621_13_item7_p169_s0	benefits is calculated by applying the spot/discount rates to projected benefit cash flows.	The present value of plan benefits is calculated by applying the spot/discount rates to projected benefit cash flows.	2	[ "<tag1>", "benefits", "is", "calculated", "by", "applying", "the", "spot", "/", "discount", "rates", "to", "projected", "benefit", "cash", "flows", ".", "<tag2>", "The", "present", "value", "of", "plan", "benefits", "is", "calculated", "by", "applying", "the", "spot", "/", "discount", "rates", "to", "projected", "benefit", "cash", "flows", ".", "<tag3>" ]	[ "benefits", "is", "calculated", "by", "applying", "the", "spot", "/", "discount", "rates", "to", "projected", "benefit", "cash", "flows", "." ]	[ "The", "present", "value", "of", "plan", "benefits", "is", "calculated", "by", "applying", "the", "spot", "/", "discount", "rates", "to", "projected", "benefit", "cash", "flows", "." ]	[]	[ "present", "value", "plan" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 1, 1, 0, 1, -100, -100, 0, -100, 0, -100, 0, -100, 0, 0, -100, -100, -100, -100, 0, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p173_s1	922621_13_item7_p173_s1	The expected future return for each asset class is then weighted based upon the plan's asset allocation to produce a reasonable range of asset return results within which our expected long-term rate of return assumption falls.	The expected future return for each asset class is then combined by considering correlations between asset classes and the volatilities of each asset class to produce a reasonable range of asset return results within which our expected long-term rate of return assumption falls.	2	[ "<tag1>", "The", "expected", "future", "return", "for", "each", "asset", "class", "is", "then", "weighted", "based", "upon", "the", "plan", "'s", "asset", "allocation", "to", "produce", "a", "reasonable", "range", "of", "asset", "return", "results", "within", "which", "our", "expected", "long", "-", "term", "rate", "of", "return", "assumption", "falls", ".", "<tag2>", "The", "expected", "future", "return", "for", "each", "asset", "class", "is", "then", "combined", "by", "considering", "correlations", "between", "asset", "classes", "and", "the", "volatilities", "of", "each", "asset", "class", "to", "produce", "a", "reasonable", "range", "of", "asset", "return", "results", "within", "which", "our", "expected", "long", "-", "term", "rate", "of", "return", "assumption", "falls", ".", "<tag3>" ]	[ "The", "expected", "future", "return", "for", "each", "asset", "class", "is", "then", "weighted", "based", "upon", "the", "plan", "'s", "asset", "allocation", "to", "produce", "a", "reasonable", "range", "of", "asset", "return", "results", "within", "which", "our", "expected", "long", "-", "term", "rate", "of", "return", "assumption", "falls", "." ]	[ "The", "expected", "future", "return", "for", "each", "asset", "class", "is", "then", "combined", "by", "considering", "correlations", "between", "asset", "classes", "and", "the", "volatilities", "of", "each", "asset", "class", "to", "produce", "a", "reasonable", "range", "of", "asset", "return", "results", "within", "which", "our", "expected", "long", "-", "term", "rate", "of", "return", "assumption", "falls", "." ]	[]	[ "combined", "considering", "correlations", "classes", "volatilities" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, 0, -100, -100, -100, -100, -100, -100, 0, 1, 0, 1, 1, -100, -100, 1, -100, 0, 1, -100, -100, -100, -100, -100, 0, -100, -100, 0, 0, -100, 0, 0, -100, -100, 0, 0, -100, -100, 0, -100, -100, 0, -100, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p131_s2	922621_13_item7_p176_s3	The methodologies used by the trustee and custodian that support a financial instrument Level 2 classification include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuers spreads, two-sided markets, benchmark securities, bids, offers and reference data.	The methodologies used by the pricing service that support a Level 2 classification of a financial instrument include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, and reference data.	2	[ "<tag1>", "The", "methodologies", "used", "by", "the", "trustee", "and", "custodian", "that", "support", "a", "financial", "instrument", "Level", "2", "classification", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuers", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", "and", "reference", "data", ".", "<tag2>", "The", "methodologies", "used", "by", "the", "pricing", "service", "that", "support", "a", "Level", "2", "classification", "of", "a", "financial", "instrument", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuer", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", ",", "and", "reference", "data", ".", "<tag3>" ]	[ "The", "methodologies", "used", "by", "the", "trustee", "and", "custodian", "that", "support", "a", "financial", "instrument", "Level", "2", "classification", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuers", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", "and", "reference", "data", "." ]	[ "The", "methodologies", "used", "by", "the", "pricing", "service", "that", "support", "a", "Level", "2", "classification", "of", "a", "financial", "instrument", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuer", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", ",", "and", "reference", "data", "." ]	[]	[ "pricing", "service", "issuer" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, 1, 1, 0, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, 0, 0, -100, -100, -100, -100, 1, 0, -100, 0, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p192_s1	922621_13_item7_p179_s1	A summary of the results of our management operations is as follows:	A summary of the results of our property and casualty insurance operations is as follows:	2	[ "<tag1>", "A", "summary", "of", "the", "results", "of", "our", "management", "operations", "is", "as", "follows", ":", "<tag2>", "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":", "<tag3>" ]	[ "A", "summary", "of", "the", "results", "of", "our", "management", "operations", "is", "as", "follows", ":" ]	[ "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":" ]	[]	[ "property", "casualty", "insurance" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, 0, 0, 0, -100, 0, 1, 0, 1, 1, 0, -100, 0, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p244_s2	922621_13_item7_p179_s1	A summary of the results of our management operations is as follows:	A summary of the results of our life insurance operations is as follows:	2	[ "<tag1>", "A", "summary", "of", "the", "results", "of", "our", "management", "operations", "is", "as", "follows", ":", "<tag2>", "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":", "<tag3>" ]	[ "A", "summary", "of", "the", "results", "of", "our", "management", "operations", "is", "as", "follows", ":" ]	[ "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":" ]	[]	[ "life", "insurance" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, 0, -100, 0, -100, -100, 1, 1, 0, 0, 0, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p252_s1	922621_13_item7_p179_s1	A summary of the results of our management operations is as follows:	A summary of the results of our investment operations is as follows:	2	[ "<tag1>", "A", "summary", "of", "the", "results", "of", "our", "management", "operations", "is", "as", "follows", ":", "<tag2>", "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":", "<tag3>" ]	[ "A", "summary", "of", "the", "results", "of", "our", "management", "operations", "is", "as", "follows", ":" ]	[ "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":" ]	[]	[ "investment" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, 0, -100, -100, 0, 1, -100, -100, -100, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p16_s0	922621_13_item7_p17_s0	other income and expenses, including income taxes, that are the responsibility of the Exchange and its subsidiaries.	other income and expenses, including income taxes, that are the responsibility of Indemnity.	2	[ "<tag1>", "other", "income", "and", "expenses", ",", "including", "income", "taxes", ",", "that", "are", "the", "responsibility", "of", "the", "Exchange", "and", "its", "subsidiaries", ".", "<tag2>", "other", "income", "and", "expenses", ",", "including", "income", "taxes", ",", "that", "are", "the", "responsibility", "of", "Indemnity", ".", "<tag3>" ]	[ "other", "income", "and", "expenses", ",", "including", "income", "taxes", ",", "that", "are", "the", "responsibility", "of", "the", "Exchange", "and", "its", "subsidiaries", "." ]	[ "other", "income", "and", "expenses", ",", "including", "income", "taxes", ",", "that", "are", "the", "responsibility", "of", "Indemnity", "." ]	[]	[ "Indemnity" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, -100, -100, 0, -100, 1, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p32_s1	922621_13_item7_p181_s0	Management fee revenue Management fee revenue is based upon all premiums written or assumed by the Exchange and the management fee rate, which is determined by our Board of Directors at least annually.	Management fee revenue is based upon all premiums written or assumed by the Exchange and the management fee rate, which is not to exceed 25% .	2	[ "<tag1>", "Management", "fee", "revenue", "Management", "fee", "revenue", "is", "based", "upon", "all", "premiums", "written", "or", "assumed", "by", "the", "Exchange", "and", "the", "management", "fee", "rate", ",", "which", "is", "determined", "by", "our", "Board", "of", "Directors", "at", "least", "annually", ".", "<tag2>", "Management", "fee", "revenue", "is", "based", "upon", "all", "premiums", "written", "or", "assumed", "by", "the", "Exchange", "and", "the", "management", "fee", "rate", ",", "which", "is", "not", "to", "exceed", "25", "%", ".", "<tag3>" ]	[ "Management", "fee", "revenue", "Management", "fee", "revenue", "is", "based", "upon", "all", "premiums", "written", "or", "assumed", "by", "the", "Exchange", "and", "the", "management", "fee", "rate", ",", "which", "is", "determined", "by", "our", "Board", "of", "Directors", "at", "least", "annually", "." ]	[ "Management", "fee", "revenue", "is", "based", "upon", "all", "premiums", "written", "or", "assumed", "by", "the", "Exchange", "and", "the", "management", "fee", "rate", ",", "which", "is", "not", "to", "exceed", "25", "%", "." ]	[]	[ "exceed", "25" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, 0, -100, -100, -100, -100, -100, 0, 1, 1, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p187_s0	922621_13_item7_p185_s3	The decrease in service agreement revenue in 2012 and 2011 resulted from a continued shift in policies to the monthly direct debit payment plan, which does not incur service charges, and the no-fee single payment plan, which offers a premium discount.	reflects the continued shift in policies to the monthly direct debit payment plan, which does not incur service charges, and the no-fee single payment plan, which offers a premium discount.	2	[ "<tag1>", "The", "decrease", "in", "service", "agreement", "revenue", "in", "2012", "and", "2011", "resulted", "from", "a", "continued", "shift", "in", "policies", "to", "the", "monthly", "direct", "debit", "payment", "plan", ",", "which", "does", "not", "incur", "service", "charges", ",", "and", "the", "no", "-", "fee", "single", "payment", "plan", ",", "which", "offers", "a", "premium", "discount", ".", "<tag2>", "reflects", "the", "continued", "shift", "in", "policies", "to", "the", "monthly", "direct", "debit", "payment", "plan", ",", "which", "does", "not", "incur", "service", "charges", ",", "and", "the", "no", "-", "fee", "single", "payment", "plan", ",", "which", "offers", "a", "premium", "discount", ".", "<tag3>" ]	[ "The", "decrease", "in", "service", "agreement", "revenue", "in", "2012", "and", "2011", "resulted", "from", "a", "continued", "shift", "in", "policies", "to", "the", "monthly", "direct", "debit", "payment", "plan", ",", "which", "does", "not", "incur", "service", "charges", ",", "and", "the", "no", "-", "fee", "single", "payment", "plan", ",", "which", "offers", "a", "premium", "discount", "." ]	[ "reflects", "the", "continued", "shift", "in", "policies", "to", "the", "monthly", "direct", "debit", "payment", "plan", ",", "which", "does", "not", "incur", "service", "charges", ",", "and", "the", "no", "-", "fee", "single", "payment", "plan", ",", "which", "offers", "a", "premium", "discount", "." ]	[]	[ "reflects" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 1, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 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 ]
922621_14_item7_p242_s3	922621_13_item7_p186_s3	This amount represents the reimbursement by the North Carolina Reinsurance Facility (NCRF) for commissions Indemnity paid to agents on the surcharges collected on behalf of the NCRF in prior periods.	This adjustment represents the reimbursement by the North Carolina Reinsurance Facility (NCRF) for commissions Indemnity paid to agents on the surcharges collected on behalf of the NCRF which was incorrectly recorded as a benefit to the Exchange in prior periods.	2	[ "<tag1>", "This", "amount", "represents", "the", "reimbursement", "by", "the", "North", "Carolina", "Reinsurance", "Facility", "(", "NCRF", ")", "for", "commissions", "Indemnity", "paid", "to", "agents", "on", "the", "surcharges", "collected", "on", "behalf", "of", "the", "NCRF", "in", "prior", "periods", ".", "<tag2>", "This", "adjustment", "represents", "the", "reimbursement", "by", "the", "North", "Carolina", "Reinsurance", "Facility", "(", "NCRF", ")", "for", "commissions", "Indemnity", "paid", "to", "agents", "on", "the", "surcharges", "collected", "on", "behalf", "of", "the", "NCRF", "which", "was", "incorrectly", "recorded", "as", "a", "benefit", "to", "the", "Exchange", "in", "prior", "periods", ".", "<tag3>" ]	[ "This", "amount", "represents", "the", "reimbursement", "by", "the", "North", "Carolina", "Reinsurance", "Facility", "(", "NCRF", ")", "for", "commissions", "Indemnity", "paid", "to", "agents", "on", "the", "surcharges", "collected", "on", "behalf", "of", "the", "NCRF", "in", "prior", "periods", "." ]	[ "This", "adjustment", "represents", "the", "reimbursement", "by", "the", "North", "Carolina", "Reinsurance", "Facility", "(", "NCRF", ")", "for", "commissions", "Indemnity", "paid", "to", "agents", "on", "the", "surcharges", "collected", "on", "behalf", "of", "the", "NCRF", "which", "was", "incorrectly", "recorded", "as", "a", "benefit", "to", "the", "Exchange", "in", "prior", "periods", "." ]	[]	[ "adjustment", "incorrectly", "recorded", "benefit", "Exchange" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 1, 0, -100, 0, 0, 0, 0, -100, 0, 0, -100, 0, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, 1, 1, 0, -100, 1, 0, -100, 1, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p180_s1	922621_13_item7_p190_s1	A summary of the results of our property and casualty insurance operations is as follows:	A summary of the results of our management operations is as follows:	2	[ "<tag1>", "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":", "<tag2>", "A", "summary", "of", "the", "results", "of", "our", "management", "operations", "is", "as", "follows", ":", "<tag3>" ]	[ "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":" ]	[ "A", "summary", "of", "the", "results", "of", "our", "management", "operations", "is", "as", "follows", ":" ]	[]	[ "management" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, 1, 0, 0, -100, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p244_s2	922621_13_item7_p190_s1	A summary of the results of our property and casualty insurance operations is as follows:	A summary of the results of our life insurance operations is as follows:	2	[ "<tag1>", "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":", "<tag2>", "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":", "<tag3>" ]	[ "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":" ]	[ "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":" ]	[]	[ "life" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, -100, -100, 0, -100, -100, 1, 0, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p252_s1	922621_13_item7_p190_s1	A summary of the results of our property and casualty insurance operations is as follows:	A summary of the results of our investment operations is as follows:	2	[ "<tag1>", "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":", "<tag2>", "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":", "<tag3>" ]	[ "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":" ]	[ "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":" ]	[]	[ "investment" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, 0, -100, 1, 0, -100, 0, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p206_s0	922621_13_item7_p199_s0	New business premiums written on personal lines increased 20.9% in 2012 , compared to a decrease of 0.7% in 2011 , driven by increases in new business policies written and average premium per policy.	New business premiums written on commercial lines increased 6.3% in 2013 , compared to 24.5% in 2012 , driven by increases in new business policies written and average premium per policy.	2	[ "<tag1>", "New", "business", "premiums", "written", "on", "personal", "lines", "increased", "20.9", "%", "in", "2012", ",", "compared", "to", "a", "decrease", "of", "0.7", "%", "in", "2011", ",", "driven", "by", "increases", "in", "new", "business", "policies", "written", "and", "average", "premium", "per", "policy", ".", "<tag2>", "New", "business", "premiums", "written", "on", "commercial", "lines", "increased", "6.3", "%", "in", "2013", ",", "compared", "to", "24.5", "%", "in", "2012", ",", "driven", "by", "increases", "in", "new", "business", "policies", "written", "and", "average", "premium", "per", "policy", ".", "<tag3>" ]	[ "New", "business", "premiums", "written", "on", "personal", "lines", "increased", "20.9", "%", "in", "2012", ",", "compared", "to", "a", "decrease", "of", "0.7", "%", "in", "2011", ",", "driven", "by", "increases", "in", "new", "business", "policies", "written", "and", "average", "premium", "per", "policy", "." ]	[ "New", "business", "premiums", "written", "on", "commercial", "lines", "increased", "6.3", "%", "in", "2013", ",", "compared", "to", "24.5", "%", "in", "2012", ",", "driven", "by", "increases", "in", "new", "business", "policies", "written", "and", "average", "premium", "per", "policy", "." ]	[]	[ "commercial", "6.3", "24.5" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, 0, -100, 1, -100, -100, 1, 0, -100, -100, -100, -100, 0, 1, -100, -100, 0, -100, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, 0, -100, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 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 ]
922621_14_item7_p206_s1	922621_13_item7_p202_s1	The combined impact of these increases was seen primarily in the commercial multi-peril and workers compensation lines of business.	The combined impact of these increases was seen primarily in the commercial multi-peril and commercial auto lines of business.	2	[ "<tag1>", "The", "combined", "impact", "of", "these", "increases", "was", "seen", "primarily", "in", "the", "commercial", "multi", "-", "peril", "and", "workers", "compensation", "lines", "of", "business", ".", "<tag2>", "The", "combined", "impact", "of", "these", "increases", "was", "seen", "primarily", "in", "the", "commercial", "multi", "-", "peril", "and", "commercial", "auto", "lines", "of", "business", ".", "<tag3>" ]	[ "The", "combined", "impact", "of", "these", "increases", "was", "seen", "primarily", "in", "the", "commercial", "multi", "-", "peril", "and", "workers", "compensation", "lines", "of", "business", "." ]	[ "The", "combined", "impact", "of", "these", "increases", "was", "seen", "primarily", "in", "the", "commercial", "multi", "-", "peril", "and", "commercial", "auto", "lines", "of", "business", "." ]	[]	[ "auto" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, -100, 1, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p206_s1	922621_13_item7_p204_s1	The combined impact of these increases was seen primarily in the commercial multi-peril and workers compensation lines of business.	The combined impact of these increases was seen primarily in the commercial multi-peril and commercial auto lines of business.	2	[ "<tag1>", "The", "combined", "impact", "of", "these", "increases", "was", "seen", "primarily", "in", "the", "commercial", "multi", "-", "peril", "and", "workers", "compensation", "lines", "of", "business", ".", "<tag2>", "The", "combined", "impact", "of", "these", "increases", "was", "seen", "primarily", "in", "the", "commercial", "multi", "-", "peril", "and", "commercial", "auto", "lines", "of", "business", ".", "<tag3>" ]	[ "The", "combined", "impact", "of", "these", "increases", "was", "seen", "primarily", "in", "the", "commercial", "multi", "-", "peril", "and", "workers", "compensation", "lines", "of", "business", "." ]	[ "The", "combined", "impact", "of", "these", "increases", "was", "seen", "primarily", "in", "the", "commercial", "multi", "-", "peril", "and", "commercial", "auto", "lines", "of", "business", "." ]	[]	[ "auto" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, 0, -100, -100, -100, 0, -100, -100, -100, -100, -100, 0, -100, -100, -100, 1, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p218_s0	922621_13_item7_p213_s1	There is no federal assistance for personal lines terrorism losses.	federal assistance for personal lines terrorism losses.	2	[ "<tag1>", "There", "is", "no", "federal", "assistance", "for", "personal", "lines", "terrorism", "losses", ".", "<tag2>", "federal", "assistance", "for", "personal", "lines", "terrorism", "losses", ".", "<tag3>" ]	[ "There", "is", "no", "federal", "assistance", "for", "personal", "lines", "terrorism", "losses", "." ]	[ "federal", "assistance", "for", "personal", "lines", "terrorism", "losses", "." ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p45_s1	922621_13_item7_p21_s1	On that basis, for presentation purposes, the life insurance operations in the table above include life insurance related investment results.	On that basis, for presentation purposes, the life insurance operations segment discussion includes the life insurance related investment results.	2	[ "<tag1>", "On", "that", "basis", ",", "for", "presentation", "purposes", ",", "the", "life", "insurance", "operations", "in", "the", "table", "above", "include", "life", "insurance", "related", "investment", "results", ".", "<tag2>", "On", "that", "basis", ",", "for", "presentation", "purposes", ",", "the", "life", "insurance", "operations", "segment", "discussion", "includes", "the", "life", "insurance", "related", "investment", "results", ".", "<tag3>" ]	[ "On", "that", "basis", ",", "for", "presentation", "purposes", ",", "the", "life", "insurance", "operations", "in", "the", "table", "above", "include", "life", "insurance", "related", "investment", "results", "." ]	[ "On", "that", "basis", ",", "for", "presentation", "purposes", ",", "the", "life", "insurance", "operations", "segment", "discussion", "includes", "the", "life", "insurance", "related", "investment", "results", "." ]	[]	[ "segment", "discussion", "includes" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 0, 0, 0, -100, -100, 0, 0, -100, 1, 1, 1, 0, 0, 0, -100, -100, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 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 ]
922621_14_item7_p225_s1	922621_13_item7_p220_s1	The most significant factors contributing to the 2012 favorable development were:	The most significant factors contributing to the 2013 adverse development were:	2	[ "<tag1>", "The", "most", "significant", "factors", "contributing", "to", "the", "2012", "favorable", "development", "were", ":", "<tag2>", "The", "most", "significant", "factors", "contributing", "to", "the", "2013", "adverse", "development", "were", ":", "<tag3>" ]	[ "The", "most", "significant", "factors", "contributing", "to", "the", "2012", "favorable", "development", "were", ":" ]	[ "The", "most", "significant", "factors", "contributing", "to", "the", "2013", "adverse", "development", "were", ":" ]	[]	[ "2013", "adverse" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, -100, -100, 0, -100, -100, 1, 1, 0, 0, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p225_s1	922621_13_item7_p225_s1	The most significant factors contributing to the 2011 favorable development were:	The most significant factors contributing to the 2013 adverse development were:	2	[ "<tag1>", "The", "most", "significant", "factors", "contributing", "to", "the", "2011", "favorable", "development", "were", ":", "<tag2>", "The", "most", "significant", "factors", "contributing", "to", "the", "2013", "adverse", "development", "were", ":", "<tag3>" ]	[ "The", "most", "significant", "factors", "contributing", "to", "the", "2011", "favorable", "development", "were", ":" ]	[ "The", "most", "significant", "factors", "contributing", "to", "the", "2013", "adverse", "development", "were", ":" ]	[]	[ "2013", "adverse" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, 0, -100, -100, 0, 0, 1, 1, 0, 0, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p225_s1	922621_13_item7_p230_s1	The most significant factors contributing to the 2010 favorable development were:	The most significant factors contributing to the 2013 adverse development were:	2	[ "<tag1>", "The", "most", "significant", "factors", "contributing", "to", "the", "2010", "favorable", "development", "were", ":", "<tag2>", "The", "most", "significant", "factors", "contributing", "to", "the", "2013", "adverse", "development", "were", ":", "<tag3>" ]	[ "The", "most", "significant", "factors", "contributing", "to", "the", "2010", "favorable", "development", "were", ":" ]	[ "The", "most", "significant", "factors", "contributing", "to", "the", "2013", "adverse", "development", "were", ":" ]	[]	[ "2013", "adverse" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, -100, 0, 0, 0, -100, 1, 1, 0, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p228_s1	922621_13_item7_p230_s1	The most significant factors contributing to the 2010 favorable development were:	The most significant factors contributing to the 2012 favorable development were:	2	[ "<tag1>", "The", "most", "significant", "factors", "contributing", "to", "the", "2010", "favorable", "development", "were", ":", "<tag2>", "The", "most", "significant", "factors", "contributing", "to", "the", "2012", "favorable", "development", "were", ":", "<tag3>" ]	[ "The", "most", "significant", "factors", "contributing", "to", "the", "2010", "favorable", "development", "were", ":" ]	[ "The", "most", "significant", "factors", "contributing", "to", "the", "2012", "favorable", "development", "were", ":" ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p233_s1	922621_13_item7_p230_s1	The most significant factors contributing to the 2010 favorable development were:	The most significant factors contributing to the 2011 favorable development were:	2	[ "<tag1>", "The", "most", "significant", "factors", "contributing", "to", "the", "2010", "favorable", "development", "were", ":", "<tag2>", "The", "most", "significant", "factors", "contributing", "to", "the", "2011", "favorable", "development", "were", ":", "<tag3>" ]	[ "The", "most", "significant", "factors", "contributing", "to", "the", "2010", "favorable", "development", "were", ":" ]	[ "The", "most", "significant", "factors", "contributing", "to", "the", "2011", "favorable", "development", "were", ":" ]	[]	[]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p188_s3	922621_13_item7_p240_s3	The adjustment represents the reimbursement by the North Carolina Reinsurance Facility (NCRF) for commissions Indemnity paid to agents on the surcharges collected on behalf of the NCRF in prior periods.	This amount represents the reimbursement by the North Carolina Reinsurance Facility (NCRF) for commissions Indemnity paid to agents on the surcharges collected on behalf of the NCRF which was incorrectly recorded as a benefit to the Exchange in prior periods.	2	[ "<tag1>", "The", "adjustment", "represents", "the", "reimbursement", "by", "the", "North", "Carolina", "Reinsurance", "Facility", "(", "NCRF", ")", "for", "commissions", "Indemnity", "paid", "to", "agents", "on", "the", "surcharges", "collected", "on", "behalf", "of", "the", "NCRF", "in", "prior", "periods", ".", "<tag2>", "This", "amount", "represents", "the", "reimbursement", "by", "the", "North", "Carolina", "Reinsurance", "Facility", "(", "NCRF", ")", "for", "commissions", "Indemnity", "paid", "to", "agents", "on", "the", "surcharges", "collected", "on", "behalf", "of", "the", "NCRF", "which", "was", "incorrectly", "recorded", "as", "a", "benefit", "to", "the", "Exchange", "in", "prior", "periods", ".", "<tag3>" ]	[ "The", "adjustment", "represents", "the", "reimbursement", "by", "the", "North", "Carolina", "Reinsurance", "Facility", "(", "NCRF", ")", "for", "commissions", "Indemnity", "paid", "to", "agents", "on", "the", "surcharges", "collected", "on", "behalf", "of", "the", "NCRF", "in", "prior", "periods", "." ]	[ "This", "amount", "represents", "the", "reimbursement", "by", "the", "North", "Carolina", "Reinsurance", "Facility", "(", "NCRF", ")", "for", "commissions", "Indemnity", "paid", "to", "agents", "on", "the", "surcharges", "collected", "on", "behalf", "of", "the", "NCRF", "which", "was", "incorrectly", "recorded", "as", "a", "benefit", "to", "the", "Exchange", "in", "prior", "periods", "." ]	[]	[ "amount", "incorrectly", "recorded", "benefit", "Exchange" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 1, 0, 0, 0, -100, -100, 0, -100, -100, 0, 0, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, 0, 0, 0, -100, -100, 0, 1, 1, -100, -100, 1, 0, 0, 1, -100, -100, 0, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p180_s1	922621_13_item7_p241_s1	A summary of the results of our life insurance operations is as follows:	A summary of the results of our management operations is as follows:	2	[ "<tag1>", "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":", "<tag2>", "A", "summary", "of", "the", "results", "of", "our", "management", "operations", "is", "as", "follows", ":", "<tag3>" ]	[ "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":" ]	[ "A", "summary", "of", "the", "results", "of", "our", "management", "operations", "is", "as", "follows", ":" ]	[]	[ "management" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, 0, -100, -100, 0, 1, -100, -100, -100, 0, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p192_s1	922621_13_item7_p241_s1	A summary of the results of our life insurance operations is as follows:	A summary of the results of our property and casualty insurance operations is as follows:	2	[ "<tag1>", "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":", "<tag2>", "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":", "<tag3>" ]	[ "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":" ]	[ "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":" ]	[]	[ "property", "casualty" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, 0, 0, 0, 0, 1, -100, 1, -100, -100, -100, -100, -100, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p252_s1	922621_13_item7_p241_s1	A summary of the results of our life insurance operations is as follows:	A summary of the results of our investment operations is as follows:	2	[ "<tag1>", "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":", "<tag2>", "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":", "<tag3>" ]	[ "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":" ]	[ "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":" ]	[]	[ "investment" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, 0, -100, 0, 1, -100, -100, 0, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p180_s1	922621_13_item7_p248_s1	A summary of the results of our investment operations is as follows:	A summary of the results of our management operations is as follows:	2	[ "<tag1>", "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":", "<tag2>", "A", "summary", "of", "the", "results", "of", "our", "management", "operations", "is", "as", "follows", ":", "<tag3>" ]	[ "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":" ]	[ "A", "summary", "of", "the", "results", "of", "our", "management", "operations", "is", "as", "follows", ":" ]	[]	[ "management" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, -100, -100, -100, -100, -100, 0, 1, -100, -100, 0, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p192_s1	922621_13_item7_p248_s1	A summary of the results of our investment operations is as follows:	A summary of the results of our property and casualty insurance operations is as follows:	2	[ "<tag1>", "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":", "<tag2>", "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":", "<tag3>" ]	[ "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":" ]	[ "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":" ]	[]	[ "property", "casualty", "insurance" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, 0, 0, 0, 0, -100, 0, -100, 1, -100, 1, 1, 0, -100, 0, 0, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p244_s2	922621_13_item7_p248_s1	A summary of the results of our investment operations is as follows:	A summary of the results of our life insurance operations is as follows:	2	[ "<tag1>", "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":", "<tag2>", "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":", "<tag3>" ]	[ "A", "summary", "of", "the", "results", "of", "our", "investment", "operations", "is", "as", "follows", ":" ]	[ "A", "summary", "of", "the", "results", "of", "our", "life", "insurance", "operations", "is", "as", "follows", ":" ]	[]	[ "life", "insurance" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, -100, -100, 0, 0, 1, 1, 0, -100, 0, 0, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p293_s1	922621_13_item7_p288_s1	At December 31, 2012 , shareholders equity decreased by $30 million , net of tax, of which $8 million represents amortization of the prior service cost and net actuarial loss and $38 million represents the current period actuarial loss .	At December 31, 2013 , shareholders equity increased by $81 million , net of tax, of which $10 million represents amortization of the prior service cost and net actuarial loss and $71 million represents the current period actuarial gain .	2	[ "<tag1>", "At", "December", "31", ",", "2012", ",", "shareholders", "equity", "decreased", "by", "$", "30", "million", ",", "net", "of", "tax", ",", "of", "which", "$", "8", "million", "represents", "amortization", "of", "the", "prior", "service", "cost", "and", "net", "actuarial", "loss", "and", "$", "38", "million", "represents", "the", "current", "period", "actuarial", "loss", ".", "<tag2>", "At", "December", "31", ",", "2013", ",", "shareholders", "equity", "increased", "by", "$", "81", "million", ",", "net", "of", "tax", ",", "of", "which", "$", "10", "million", "represents", "amortization", "of", "the", "prior", "service", "cost", "and", "net", "actuarial", "loss", "and", "$", "71", "million", "represents", "the", "current", "period", "actuarial", "gain", ".", "<tag3>" ]	[ "At", "December", "31", ",", "2012", ",", "shareholders", "equity", "decreased", "by", "$", "30", "million", ",", "net", "of", "tax", ",", "of", "which", "$", "8", "million", "represents", "amortization", "of", "the", "prior", "service", "cost", "and", "net", "actuarial", "loss", "and", "$", "38", "million", "represents", "the", "current", "period", "actuarial", "loss", "." ]	[ "At", "December", "31", ",", "2013", ",", "shareholders", "equity", "increased", "by", "$", "81", "million", ",", "net", "of", "tax", ",", "of", "which", "$", "10", "million", "represents", "amortization", "of", "the", "prior", "service", "cost", "and", "net", "actuarial", "loss", "and", "$", "71", "million", "represents", "the", "current", "period", "actuarial", "gain", "." ]	[]	[ "increased", "gain" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, 0, 0, -100, -100, -100, -100, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, 0, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 1, 0, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
922621_14_item7_p293_s2	922621_13_item7_p288_s2	The 2012 actuarial loss was primarily due to the change in the discount rate assumption used to measure the future benefit obligations to 4.19% in 2012 , from 4.99% in 2011 .	The 2013 actuarial gain was primarily due to the change in the discount rate assumption used to measure the future benefit obligations to 5.11% in 2013 , from 4.19% in 2012 .	2	[ "<tag1>", "The", "2012", "actuarial", "loss", "was", "primarily", "due", "to", "the", "change", "in", "the", "discount", "rate", "assumption", "used", "to", "measure", "the", "future", "benefit", "obligations", "to", "4.19", "%", "in", "2012", ",", "from", "4.99", "%", "in", "2011", ".", "<tag2>", "The", "2013", "actuarial", "gain", "was", "primarily", "due", "to", "the", "change", "in", "the", "discount", "rate", "assumption", "used", "to", "measure", "the", "future", "benefit", "obligations", "to", "5.11", "%", "in", "2013", ",", "from", "4.19", "%", "in", "2012", ".", "<tag3>" ]	[ "The", "2012", "actuarial", "loss", "was", "primarily", "due", "to", "the", "change", "in", "the", "discount", "rate", "assumption", "used", "to", "measure", "the", "future", "benefit", "obligations", "to", "4.19", "%", "in", "2012", ",", "from", "4.99", "%", "in", "2011", "." ]	[ "The", "2013", "actuarial", "gain", "was", "primarily", "due", "to", "the", "change", "in", "the", "discount", "rate", "assumption", "used", "to", "measure", "the", "future", "benefit", "obligations", "to", "5.11", "%", "in", "2013", ",", "from", "4.19", "%", "in", "2012", "." ]	[]	[ "gain", "5.11" ]	[ -1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, -1, -100, -100, -100, 1, -100, -100, -100, -100, -100, -100, -100, -100, -100, -100, 0, -100, -100, -100, -100, 0, -100, 0, -100, 1, 0, -100, 0, 0, -100, -100, -100, -100, -100, -100, -1 ]	[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 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 ]

922621_13_item7_p35_s1

922621_12_item7_p180_s0

Management fee revenue Management fee revenue is based upon all premiums written or assumed by the Exchange and the management fee rate, which is determined by our Board of Directors at least annually.

Management fee revenue is based upon all premiums written or assumed by the Exchange and the management fee rate, which is not to exceed 25% .

2

[ "<tag1>", "Management", "fee", "revenue", "Management", "fee", "revenue", "is", "based", "upon", "all", "premiums", "written", "or", "assumed", "by", "the", "Exchange", "and", "the", "management", "fee", "rate", ",", "which", "is", "determined", "by", "our", "Board", "of", "Directors", "at", "least", "annually", ".", "<tag2>", "Management", "fee", "revenue", "is", "based", "upon", "all", "premiums", "written", "or", "assumed", "by", "the", "Exchange", "and", "the", "management", "fee", "rate", ",", "which", "is", "not", "to", "exceed", "25", "%", ".", "<tag3>" ]

[ "Management", "fee", "revenue", "Management", "fee", "revenue", "is", "based", "upon", "all", "premiums", "written", "or", "assumed", "by", "the", "Exchange", "and", "the", "management", "fee", "rate", ",", "which", "is", "determined", "by", "our", "Board", "of", "Directors", "at", "least", "annually", "." ]

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[]

[ "exceed", "25" ]

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

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922621_13_item7_p184_s2

922621_12_item7_p183_s2

Changes in the management fee rate can affect the segment s revenue and net income significantly.

Changes in the management fee rate can affect the Indemnity shareholder interest's revenue and net income from this segment significantly.

2

[ "<tag1>", "Changes", "in", "the", "management", "fee", "rate", "can", "affect", "the", "segment", "s", "revenue", "and", "net", "income", "significantly", ".", "<tag2>", "Changes", "in", "the", "management", "fee", "rate", "can", "affect", "the", "Indemnity", "shareholder", "interest", "'s", "revenue", "and", "net", "income", "from", "this", "segment", "significantly", ".", "<tag3>" ]

[ "Changes", "in", "the", "management", "fee", "rate", "can", "affect", "the", "segment", "s", "revenue", "and", "net", "income", "significantly", "." ]

[ "Changes", "in", "the", "management", "fee", "rate", "can", "affect", "the", "Indemnity", "shareholder", "interest", "'s", "revenue", "and", "net", "income", "from", "this", "segment", "significantly", "." ]

[]

[ "Indemnity", "shareholder", "interest", "'s" ]

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

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

922621_13_item7_p186_s6

922621_12_item7_p185_s1

Included in these increases in both years were decreases in agent bonuses, due to a reduction in the profitability component of the bonus as a result of factoring in the most recent year s underwriting data.

Impacting the increase in 2011 was a decrease in agent bonuses due to a reduction in the profitability component of the bonus as a result of factoring in the most recent year s underwriting data.

2

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[]

[ "Impacting", "increase", "2011", "decrease" ]

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922621_13_item7_p179_s1

922621_12_item7_p189_s1

A summary of the results of our property and casualty insurance operations is as follows:

A summary of the results of our management operations is as follows:

2

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[ "management" ]

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922621_13_item7_p241_s1

922621_12_item7_p189_s1

A summary of the results of our property and casualty insurance operations is as follows:

A summary of the results of our life insurance operations is as follows:

2

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[]

[ "life" ]

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922621_13_item7_p248_s1

922621_12_item7_p189_s1

A summary of the results of our property and casualty insurance operations is as follows:

A summary of the results of our investment operations is as follows:

2

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[]

[ "investment" ]

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922621_13_item7_p216_s0

922621_12_item7_p224_s0

The following table provides a breakout of our property and casualty insurance operation s prior year loss reserve development by type of business:

Prior accident years, including prior accident year catastrophe losses The following table provides a breakout of our property and casualty insurance operation s prior year loss reserve development, including prior accident year catastrophe loss reserves, by type of business:

2

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[]

[ "Prior", "accident", "years", "including", "accident", "catastrophe", "losses", "including", "accident", "catastrophe", "reserves" ]

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922621_13_item7_p230_s1

922621_12_item7_p228_s1

The most significant factors contributing to the 2011 favorable development were:

The most significant factors contributing to the 2010 favorable development were:

2

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[ "The", "most", "significant", "factors", "contributing", "to", "the", "2010", "favorable", "development", "were", ":" ]

[]

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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, 1, 1, 1, 1, -1 ]

922621_13_item7_p45_s1

922621_12_item7_p22_s1

On that basis, for presentation purposes, the life insurance operations in the table above include life insurance related investment results.

On that basis, for presentation purposes, the life insurance operations segment discussion includes the life insurance related investment results.

2

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[]

[ "segment", "discussion", "includes" ]

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922621_13_item7_p222_s0

922621_12_item7_p231_s0

Favorable development of $24 million related to the commercial multi-peril line of business primarily resulting from better than expected severity trends, which impacted the 2009 and 2010 accident years.

Favorable development of $42 million related to the commercial multi-peril line of business primarily resulting from better than expected severity trends, which impacted the 2007 through 2011 accident years, and the closing of two large claims which impacted the 2006 through 2010 accident years.

2

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[]

[ "2007", "2011", "closing", "two", "large", "claims", "2006" ]

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922621_13_item7_p223_s0

922621_12_item7_p231_s0

Favorable development of $24 million related to the commercial multi-peril line of business primarily resulting from better than expected severity trends, which impacted the 2009 and 2010 accident years.

Favorable development of $11 million related to the commercial auto line of business primarily resulting from better than expected severity trends, which impacted the 2007 through 2011 accident years.

2

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[]

[ "auto", "2007", "2011" ]

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922621_13_item7_p223_s0

922621_12_item7_p232_s0

Favorable development of $12 million related to the homeowners line of business primarily resulting from better than expected severity trends, which impacted the more recent accident years.

Favorable development of $11 million related to the commercial auto line of business primarily resulting from better than expected severity trends, which impacted the 2007 through 2011 accident years.

2

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[]

[ "commercial", "auto", "2007", "2011" ]

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922621_13_item7_p220_s1

922621_12_item7_p233_s1

The most significant factors contributing to the 2010 favorable development were:

The most significant factors contributing to the 2012 favorable development were:

2

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[ "The", "most", "significant", "factors", "contributing", "to", "the", "2012", "favorable", "development", "were", ":" ]

[]

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922621_13_item7_p225_s1

922621_12_item7_p233_s1

The most significant factors contributing to the 2010 favorable development were:

The most significant factors contributing to the 2011 favorable development were:

2

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[ "The", "most", "significant", "factors", "contributing", "to", "the", "2011", "favorable", "development", "were", ":" ]

[]

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922621_13_item7_p220_s1

922621_12_item7_p238_s1

The most significant factors contributing to the 2009 favorable development were:

The most significant factors contributing to the 2012 favorable development were:

2

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[]

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922621_13_item7_p225_s1

922621_12_item7_p238_s1

The most significant factors contributing to the 2009 favorable development were:

The most significant factors contributing to the 2011 favorable development were:

2

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922621_13_item7_p239_s1

922621_12_item7_p247_s0

The adverse development in 2011 was primarily the result of the closing of four massive injury lifetime medical claims.

In 2011, the decrease in ceded recoveries was primarily the result of the closing of four massive injury lifetime medical claims.

2

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[]

[ "decrease", "ceded", "recoveries" ]

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922621_13_item7_p179_s1

922621_12_item7_p250_s1

A summary of the results of our life insurance operations is as follows:

A summary of the results of our management operations is as follows:

2

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922621_13_item7_p190_s1

922621_12_item7_p250_s1

A summary of the results of our life insurance operations is as follows:

A summary of the results of our property and casualty insurance operations is as follows:

2

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922621_13_item7_p248_s1

922621_12_item7_p250_s1

A summary of the results of our life insurance operations is as follows:

A summary of the results of our investment operations is as follows:

2

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[ "investment" ]

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922621_13_item7_p179_s1

922621_12_item7_p257_s1

A summary of the results of our investment operations is as follows:

A summary of the results of our management operations is as follows:

2

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[ "management" ]

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922621_13_item7_p190_s1

922621_12_item7_p257_s1

A summary of the results of our investment operations is as follows:

A summary of the results of our property and casualty insurance operations is as follows:

2

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[ "A", "summary", "of", "the", "results", "of", "our", "property", "and", "casualty", "insurance", "operations", "is", "as", "follows", ":" ]

[]

[ "property", "casualty", "insurance" ]

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922621_13_item7_p241_s1

922621_12_item7_p257_s1

A summary of the results of our investment operations is as follows:

A summary of the results of our life insurance operations is as follows:

2

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[]

[ "life", "insurance" ]

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922621_13_item7_p318_s3

922621_12_item7_p258_s2

These components of investment income now accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, in 2011 and thereafter.

These operating cash flows accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, in 2011 and thereafter.

2

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[]

[ "operating", "cash", "flows" ]

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922621_13_item7_p251_s4

922621_12_item7_p261_s3

The Exchange recorded $240 million of realized gains on the sale of securities which was offset by $247 million in valuation losses on its common stock portfolio in 2011.

In 2011, Indemnity recorded $6 million of realized gains on the sale of securities which was offset by $3 million in valuation losses on its common stock portfolio, while the Exchange recorded $240 million of realized gains on the sale of securities which was offset by $247 million in valuation losses on its common stock portfolio.

2

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[]

[ "Indemnity" ]

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922621_13_item7_p18_s0

922621_12_item7_p280_s0

Investments Prior to and through December 31, 2010, the investment results from EIC, ENY and EPC accrued to the Indemnity shareholder interest.

(1) Prior to and through December 31, 2010, the underwriting results retained by EIC and ENY and the investment results of EIC, ENY and EPC accrued to the Indemnity shareholder interest.

2

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[]

[ "1", "underwriting", "retained" ]

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922621_13_item7_p22_s0

922621_12_item7_p280_s0

Investments Prior to and through December 31, 2010, the investment results from EIC, ENY and EPC accrued to the Indemnity shareholder interest.

(2) Prior to and through December 31, 2010, the underwriting results retained by EIC and ENY and the investment results of EIC, ENY and EPC accrued to the Indemnity shareholder interest.

2

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[]

[ "2", "underwriting", "retained" ]

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922621_13_item7_p318_s0

922621_12_item7_p280_s0

Investments Prior to and through December 31, 2010, the investment results from EIC, ENY and EPC accrued to the Indemnity shareholder interest.

Prior to and through December 31, 2010, the underwriting results retained by EIC and ENY and the investment results of EIC, ENY and EPC accrued to the Indemnity shareholder interest.

2

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[]

[ "underwriting", "retained" ]

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922621_13_item7_p31_s0

922621_12_item7_p280_s0

Investments Prior to and through December 31, 2010, the investment results from EIC, ENY and EPC accrued to the Indemnity shareholder interest.

(2) Prior to and through December 31, 2010, the underwriting results retained by EIC and ENY and the investment results of EIC, ENY and EPC accrued to the Indemnity shareholder interest.

2

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[]

[ "2", "underwriting", "retained" ]

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922621_13_item7_p276_s1

922621_12_item7_p295_s1

At December 31, 2011, the unrealized gain on preferred stock classified as available-for-sale securities, net of deferred taxes amounted to $1 million for Indemnity and $21 million for the Exchange, compared to an unrealized gain, net of deferred taxes, of $3 million for Indemnity and $44 million for the Exchange at December 31, 2010.

At December 31, 2012 , the unrealized gain on equity securities classified as available-for-sale, net of deferred taxes, amounted to $1 million for Indemnity and $48 million for the Exchange, compared to an unrealized gain, net of deferred taxes, of $1 million for Indemnity and $21 million for the Exchange at December 31, 2011 .

2

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[]

[ "equity" ]

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922621_13_item7_p277_s0

922621_12_item7_p296_s0

Our common stock portfolio is classified as a trading portfolio and is measured at fair value with all changes in unrealized gains and losses reflected in our Consolidated Statements of Operations.

Common stocks classified as trading securities are measured at fair value with all changes in unrealized gains and losses reflected in the Consolidated Statements of Operations.

2

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[ "Our", "common", "stock", "portfolio", "is", "classified", "as", "a", "trading", "portfolio", "and", "is", "measured", "at", "fair", "value", "with", "all", "changes", "in", "unrealized", "gains", "and", "losses", "reflected", "in", "our", "Consolidated", "Statements", "of", "Operations", "." ]

[ "Common", "stocks", "classified", "as", "trading", "securities", "are", "measured", "at", "fair", "value", "with", "all", "changes", "in", "unrealized", "gains", "and", "losses", "reflected", "in", "the", "Consolidated", "Statements", "of", "Operations", "." ]

[]

[ "Common", "stocks", "securities" ]

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922621_13_item7_p99_s1

922621_12_item7_p305_s2

Actual experience, however, may emerge in a manner that is different relative to the original assumptions, which could have a significant impact on our reserve estimates.

Actual experie nce, however, may emerge in a manner that is different relative to the original assumptions, which could have a significant impact on our reserve estimates.

2

[ "<tag1>", "Actual", "experience", ",", "however", ",", "may", "emerge", "in", "a", "manner", "that", "is", "different", "relative", "to", "the", "original", "assumptions", ",", "which", "could", "have", "a", "significant", "impact", "on", "our", "reserve", "estimates", ".", "<tag2>", "Actual", "experie", "nce", ",", "however", ",", "may", "emerge", "in", "a", "manner", "that", "is", "different", "relative", "to", "the", "original", "assumptions", ",", "which", "could", "have", "a", "significant", "impact", "on", "our", "reserve", "estimates", ".", "<tag3>" ]

[ "Actual", "experience", ",", "however", ",", "may", "emerge", "in", "a", "manner", "that", "is", "different", "relative", "to", "the", "original", "assumptions", ",", "which", "could", "have", "a", "significant", "impact", "on", "our", "reserve", "estimates", "." ]

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[]

[ "experie", "nce" ]

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922621_13_item7_p287_s1

922621_12_item7_p308_s0

age, gender and risk class of the insured and the number of years the policy has been in force.

To meet these future obligations, EFL establishes life insurance reserves based upon the type of policy, the age, gender and risk class of the insured and the number of years the policy has been in force.

2

[ "<tag1>", "age", ",", "gender", "and", "risk", "class", "of", "the", "insured", "and", "the", "number", "of", "years", "the", "policy", "has", "been", "in", "force", ".", "<tag2>", "To", "meet", "these", "future", "obligations", ",", "EFL", "establishes", "life", "insurance", "reserves", "based", "upon", "the", "type", "of", "policy", ",", "the", "age", ",", "gender", "and", "risk", "class", "of", "the", "insured", "and", "the", "number", "of", "years", "the", "policy", "has", "been", "in", "force", ".", "<tag3>" ]

[ "age", ",", "gender", "and", "risk", "class", "of", "the", "insured", "and", "the", "number", "of", "years", "the", "policy", "has", "been", "in", "force", "." ]

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[]

[ "meet", "future", "obligations", "EFL", "establishes", "life", "insurance", "reserves", "based", "upon", "type" ]

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922621_13_item7_p289_s0

922621_12_item7_p311_s0

Although Indemnity is the sponsor of these postretirement plans and records the funded status of these plans, generally the Exchange and EFL reimburse Indemnity for approximately 57% of the annual benefit expense of these plans.

Although Indemnity is the sponsor of these postretirement plans and records the funded status of these plans, the Exchange and EFL reimburse Indemnity for approximately 58% of the annual benefit expe nse of these plans, which represents pension benefits for Indemnity employees performing claims and life functions.

2

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[ "Although", "Indemnity", "is", "the", "sponsor", "of", "these", "postretirement", "plans", "and", "records", "the", "funded", "status", "of", "these", "plans", ",", "the", "Exchange", "and", "EFL", "reimburse", "Indemnity", "for", "approximately", "58", "%", "of", "the", "annual", "benefit", "expe", "nse", "of", "these", "plans", ",", "which", "represents", "pension", "benefits", "for", "Indemnity", "employees", "performing", "claims", "and", "life", "functions", "." ]

[]

[ "expe", "nse", "represents", "pension", "benefits", "employees", "performing", "claims", "life", "functions" ]

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922621_13_item7_p88_s1

922621_12_item7_p312_s1

Consequently, in establishing premium rates, we attempt to anticipate the potential impact of inflation, including medical cost inflation, construction and auto repair cost inflation and tort issues.

Consequently, in establishing reserves, we attempt to anticipate the potential impact of inflation, including medical cost inflation, construction and auto repair cost inflation and tort issues.

2

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[]

[ "reserves" ]

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922621_13_item7_p316_s0

922621_12_item7_p317_s2

Volatility in these markets could impair our ability to sell certain of our fixed income securities or cause such securities to sell at deep discounts.

Volatility in the financial markets could impair Indemnity s ability to sell certain of its fixed income securities or cause such securities to sell at deep discounts.

2

[ "<tag1>", "Volatility", "in", "these", "markets", "could", "impair", "our", "ability", "to", "sell", "certain", "of", "our", "fixed", "income", "securities", "or", "cause", "such", "securities", "to", "sell", "at", "deep", "discounts", ".", "<tag2>", "Volatility", "in", "the", "financial", "markets", "could", "impair", "Indemnity", "s", "ability", "to", "sell", "certain", "of", "its", "fixed", "income", "securities", "or", "cause", "such", "securities", "to", "sell", "at", "deep", "discounts", ".", "<tag3>" ]

[ "Volatility", "in", "these", "markets", "could", "impair", "our", "ability", "to", "sell", "certain", "of", "our", "fixed", "income", "securities", "or", "cause", "such", "securities", "to", "sell", "at", "deep", "discounts", "." ]

[ "Volatility", "in", "the", "financial", "markets", "could", "impair", "Indemnity", "s", "ability", "to", "sell", "certain", "of", "its", "fixed", "income", "securities", "or", "cause", "such", "securities", "to", "sell", "at", "deep", "discounts", "." ]

[]

[ "financial", "Indemnity" ]

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922621_13_item7_p298_s0

922621_12_item7_p329_s0

Indemnity s capital gain and loss strategies take into consideration its ability to offset gains and losses in future periods, carry-back of capital loss opportunities to the three preceding years, and capital loss carry-forward opportunities to apply against future capital gains over the next five years.

Our capital gain and loss strategies take into consideration its ability to offset gains and losses in future periods, carry-back of capital loss opportunities to the three preceding years, and capital loss carry-forward opportunities to apply against future capital gains over the next five years.

2

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922621_13_item7_p308_s6

922621_12_item7_p331_s2

Net after-tax cash proceeds to Indemnity from this sale were $58 million.

Net after-tax cash proceeds to Indemnity from this sale were $285 million.

2

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922621_13_item7_p308_s2

922621_12_item7_p331_s6

Net after-tax cash proceeds to Indemnity from this sale were $285 million.

Net after-tax cash proceeds to Indemnity from this sale were $58 million.

2

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[ "Net", "after", "-", "tax", "cash", "proceeds", "to", "Indemnity", "from", "this", "sale", "were", "$", "285", "million", "." ]

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922621_13_item7_p319_s0

922621_12_item7_p338_s0

Indemnity Outside of Indemnity s normal operating and investing cash activities, future funding requirements could be met through 1) Indemnity s cash and cash equivalents, which total approximately $11 million at December 31, 2011, 2) a $100 million bank revolving line of credit held by Indemnity, and 3) liquidation of assets held in Indemnity s investment portfolio, including common stock, preferred stock and investment grade bonds which totaled approximately $600 million at December 31, 2011.

Exchange Outside of the Exchange s normal operating and investing cash activities, future funding requirements could be met through: 1) the Exchange s cash and cash equivalents, which total approximately $388 million at December 31, 2012 , 2) a $300 million bank revolving line of credit held by the Exchange, and 3) liquidation of assets held in the Exchange s investment portfolio, including common stock, preferred stock and investment grade bonds which totaled approximately $10.5 billion at December 31, 2012 .

2

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[]

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922621_13_item7_p294_s2

922621_12_item7_p339_s0

Volatility in the financial markets could impair Indemnity s ability to sell certain of its fixed income securities or cause such securities to sell at deep discounts.

Volatility in these markets could impair our ability to sell certain of our fixed income securities or cause such securities to sell at deep discounts.

2

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922621_13_item7_p321_s0

922621_12_item7_p340_s0

Indemnity had no borrowings under its line of credit at December 31, 2011.

The Exchange had no borrowings under its line of credit at December 31, 2012 .

2

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[]

[ "Exchange" ]

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922621_13_item7_p322_s1

922621_12_item7_p340_s4

Indemnity was in compliance with its bank covenants at December 31, 2011.

The Exchange was in compliance with its bank covenants at December 31, 2012 .

2

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[]

[ "Exchange" ]

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922621_13_item7_p249_s2

922621_12_item7_p341_s3

These operating cash flows accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, in 2011 and thereafter.

These components of investment income now accrue to the interest of the subscribers (policyholders) of the Exchange, or noncontrolling interest, in 2011 and thereafter.

2

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[ "components", "investment", "income" ]

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922621_13_item7_p315_s0

922621_12_item7_p342_s0

Exchange Outside of the Exchange s normal operating and investing cash activities, future funding requirements could be met through 1) the Exchange s cash and cash equivalents, which total approximately $174 million at December 31, 2011, 2) a $300 million bank revolving line of credit held by the Exchange, and 3) liquidation of assets held in the Exchange s investment portfolio, including common stock, preferred stock and investment grade bonds which totaled approximately $9.8 billion at December 31, 2011.

Indemnity Outside of Indemnity s normal operating and investing cash activities, future funding requirements could be met through: 1) Indemnity s cash and cash equivalents, which total approximately $12 million at December 31, 2012 , 2) a $100 million bank revolving line of credit held by Indemnity, and 3) liquidation of assets held in Indemnity s investment portfolio, including common stock, preferred stock and investment grade bonds which totaled approximately $389 million at December 31, 2012 .

2

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[]

[ "Indemnity", "Indemnity", "Indemnity", "Indemnity", "Indemnity" ]

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922621_13_item7_p317_s0

922621_12_item7_p344_s0

The Exchange had no borrowings under its line of credit at December 31, 2011.

Indemnity had no borrowings under its line of credit at December 31, 2012 .

2

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[ "The", "Exchange", "had", "no", "borrowings", "under", "its", "line", "of", "credit", "at", "December", "31", ",", "2011", "." ]

[ "Indemnity", "had", "no", "borrowings", "under", "its", "line", "of", "credit", "at", "December", "31", ",", "2012", "." ]

[]

[ "Indemnity" ]

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922621_13_item7_p317_s4

922621_12_item7_p345_s1

The Exchange was in compliance with its bank covenants at December 31, 2011.

Indemnity was in compliance with its bank covenants at December 31, 2012 .

2

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[ "Indemnity", "was", "in", "compliance", "with", "its", "bank", "covenants", "at", "December", "31", ",", "2012", "." ]

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922621_13_item7_p331_s7

922621_12_item7_p358_s0

(6) Contractual obligations on gross long-term liabilities represent estimated benefit payments from insurance policies and annuity contracts including claims currently payable.

(5) Life gross long-term liabilities represent estimated benefit payments from insurance policies and annuity contracts including claims currently payable.

2

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[]

[ "Life" ]

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922621_13_item7_p181_s0

922621_12_item7_p36_s1

Management fee revenue is based upon all premiums written or assumed by the Exchange and the management fee rate, which is not to exceed 25%.

Management fee revenue Management fee revenue is based upon all premiums written or assumed by the Exchange and the management fee rate, which is determined by our Board of Directors at least annually.

2

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[ "determined", "Board", "Directors", "least", "annually" ]

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922621_13_item7_p191_s0

922621_12_item7_p379_s0

Prior to and through December 31, 2010, the underwriting results retained by Erie Insurance Company and Erie Insurance Company of New York accrued to the Indemnity shareholder interest.

(1) Prior to and through December 31, 2010, the underwriting results retained by EIC and ENY accrued to the Indemnity shareholder interest.

2

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[]

[ "1", "EIC", "ENY" ]

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922621_13_item7_p39_s2

922621_12_item7_p379_s0

Prior to and through December 31, 2010, the underwriting results retained by Erie Insurance Company and Erie Insurance Company of New York accrued to the Indemnity shareholder interest.

Prior to and through December 31, 2010, the underwriting results retained by EIC and ENY accrued to the Indemnity shareholder interest.

2

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[]

[ "EIC", "ENY" ]

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922621_13_item7_p357_s0

922621_12_item7_p388_s0

Surplus Notes Indemnity holds a surplus note for $25 million from EFL that is payable on demand on or after December 31, 2018; however, no principal or interest payments may be made without prior approval of the Pennsylvania Insurance Commissioner.

The Exchange holds a surplus note for $20 million from EFL that is payable on demand on or after December 31, 2025 ; however, no principal or interest payments may be made without prior approval by the Pennsylvania Insurance Commissioner.

2

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[]

[ "Exchange" ]

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922621_13_item7_p356_s0

922621_12_item7_p389_s0

The Exchange holds a surplus note for $20 million from EFL that is payable on demand on or after December 31, 2025; however, as stated above, no principal or interest payments may be made without prior approval of the Pennsylvania Insurance Commissioner.

Surplus Notes Indemnity holds a surplus note for $25 million from EFL that is payable on demand on or after December 31, 2018 ; however, no principal or interest payments may be made without prior approval by the Pennsylvania Insurance Commissioner.

2

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[]

[ "Surplus", "Notes", "Indemnity" ]

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922621_13_item7_p44_s1

922621_12_item7_p46_s0

and morbidity experience, persistency experience to enable the recovery of acquisition costs, maintenance of interest spreads over the amounts credited to deposit funds and the maintenance of strong ratings from rating agencies.

Other drivers include mortality and morbidity experience, persistency experience to enable the recovery of acquisition costs, maintenance of interest spreads over the amounts credited to deposit funds and the maintenance of strong ratings from rating agencies.

2

[ "<tag1>", "and", "morbidity", "experience", ",", "persistency", "experience", "to", "enable", "the", "recovery", "of", "acquisition", "costs", ",", "maintenance", "of", "interest", "spreads", "over", "the", "amounts", "credited", "to", "deposit", "funds", "and", "the", "maintenance", "of", "strong", "ratings", "from", "rating", "agencies", ".", "<tag2>", "Other", "drivers", "include", "mortality", "and", "morbidity", "experience", ",", "persistency", "experience", "to", "enable", "the", "recovery", "of", "acquisition", "costs", ",", "maintenance", "of", "interest", "spreads", "over", "the", "amounts", "credited", "to", "deposit", "funds", "and", "the", "maintenance", "of", "strong", "ratings", "from", "rating", "agencies", ".", "<tag3>" ]

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[]

[ "drivers", "include", "mortality" ]

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922621_13_item7_p6_s0

922621_12_item7_p6_s0

A forward-looking statement speaks only as of the date on which it is made and reflects Indemnity s analysis only as of that date.

A forward-looking statement speaks only as of the date on which it is made and reflects our analysis only as of that date.

2

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[ "A", "forward", "-", "looking", "statement", "speaks", "only", "as", "of", "the", "date", "on", "which", "it", "is", "made", "and", "reflects", "Indemnity", "s", "analysis", "only", "as", "of", "that", "date", "." ]

[ "A", "forward", "-", "looking", "statement", "speaks", "only", "as", "of", "the", "date", "on", "which", "it", "is", "made", "and", "reflects", "our", "analysis", "only", "as", "of", "that", "date", "." ]

[]

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922621_13_item7_p6_s1

922621_12_item7_p6_s1

Indemnity undertakes no obligation to publicly update or revise any forward-looking statement, whether as a result of new information, future events, changes in assumptions, or otherwise.

We undertake no obligation to publicly update or revise any forward-looking statement, whether as a result of new information, future events, changes in assumptions, or otherwise.

2

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[ "We", "undertake", "no", "obligation", "to", "publicly", "update", "or", "revise", "any", "forward", "-", "looking", "statement", ",", "whether", "as", "a", "result", "of", "new", "information", ",", "future", "events", ",", "changes", "in", "assumptions", ",", "or", "otherwise", "." ]

[]

[ "undertake" ]

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922621_13_item7_p7_s0

922621_12_item7_p7_s0

Financial Statements and Supplementary Data - Note 2, Significant Accounting Policies, of Notes to Consolidated Financial Statements contained within this report for a discussion of recently issued accounting pronouncements, none of which are expected to have a material impact on our future financial condition, results of operations or cash flows.

Financial Statements and Supplementary Data - Note 2, Si gnificant Accounting Policies, of Notes to Consolidated Financial Statements contained within this report for a discussion of adopted and/or pending accounting pronouncements, none of which are expected to have a material impact on our future financial condition, results of operations or cash flows.

2

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[]

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922621_13_item7_p290_s1

922621_12_item7_p90_s1

Consequently, in establishing reserves, we attempt to anticipate the potential impact of inflation, including medical cost inflation, construction and auto repair cost inflation and tort issues.

Consequently, in establishing premium rates, we attempt to anticipate the potential impact of inflation, including medical cost inflation, construction and auto repair cost inflation and tort issues.

2

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[]

[ "premium", "rates" ]

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922621_13_item7_p92_s1

922621_12_item7_p94_s1

Future medical cost increases and claimant mortality assumptions utilized in the reserve estimates for massive injury lifetime medical claims are obtained from industry studies adjusted for our own experience.

Future medical co st increases and claimant mortality a ssumptions utilized in the reserve estimates for massive injury lifetime medical claims are obtained from industry studies adjusted for our own experience.

2

[ "<tag1>", "Future", "medical", "cost", "increases", "and", "claimant", "mortality", "assumptions", "utilized", "in", "the", "reserve", "estimates", "for", "massive", "injury", "lifetime", "medical", "claims", "are", "obtained", "from", "industry", "studies", "adjusted", "for", "our", "own", "experience", ".", "<tag2>", "Future", "medical", "co", "st", "increases", "and", "claimant", "mortality", "a", "ssumptions", "utilized", "in", "the", "reserve", "estimates", "for", "massive", "injury", "lifetime", "medical", "claims", "are", "obtained", "from", "industry", "studies", "adjusted", "for", "our", "own", "experience", ".", "<tag3>" ]

[ "Future", "medical", "cost", "increases", "and", "claimant", "mortality", "assumptions", "utilized", "in", "the", "reserve", "estimates", "for", "massive", "injury", "lifetime", "medical", "claims", "are", "obtained", "from", "industry", "studies", "adjusted", "for", "our", "own", "experience", "." ]

[ "Future", "medical", "co", "st", "increases", "and", "claimant", "mortality", "a", "ssumptions", "utilized", "in", "the", "reserve", "estimates", "for", "massive", "injury", "lifetime", "medical", "claims", "are", "obtained", "from", "industry", "studies", "adjusted", "for", "our", "own", "experience", "." ]

[]

[ "co", "st", "ssumptions" ]

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922621_14_item7_p104_s2

922621_13_item7_p104_s1

The discount on these reserves was $49 million at December 31, 2012 .

The discount on these reserves was $23 million at December 31, 2013 .

2

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[ "The", "discount", "on", "these", "reserves", "was", "$", "49", "million", "at", "December", "31", ",", "2012", "." ]

[ "The", "discount", "on", "these", "reserves", "was", "$", "23", "million", "at", "December", "31", ",", "2013", "." ]

[]

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922621_14_item7_p105_s1

922621_13_item7_p104_s1

The discount on these reserves was $49 million at December 31, 2012 .

The discount on these reserves was $62 million at December 31, 2013 .

2

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[ "The", "discount", "on", "these", "reserves", "was", "$", "49", "million", "at", "December", "31", ",", "2012", "." ]

[ "The", "discount", "on", "these", "reserves", "was", "$", "62", "million", "at", "December", "31", ",", "2013", "." ]

[]

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922621_14_item7_p108_s3

922621_13_item7_p108_s0

revised assumptions, the existing contract liabilities together with the present value of future gross premiums are not sufficient to cover the present value of future expected benefits and maintenance costs and to recover unamortized acquisition costs.

A premium deficiency exists if, based upon revised assumptions, the existing contract liabilities together with the present value of future gross premiums are not sufficient to cover the present value of future expected benefits and maintenance costs and to recover unamortized acquisition costs.

2

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[ "A", "premium", "deficiency", "exists", "if", ",", "based", "upon", "revised", "assumptions", ",", "the", "existing", "contract", "liabilities", "together", "with", "the", "present", "value", "of", "future", "gross", "premiums", "are", "not", "sufficient", "to", "cover", "the", "present", "value", "of", "future", "expected", "benefits", "and", "maintenance", "costs", "and", "to", "recover", "unamortized", "acquisition", "costs", "." ]

[]

[ "premium", "deficiency", "exists", "based", "upon" ]

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922621_14_item7_p126_s1

922621_13_item7_p127_s0

valuation and there is a lack of transparency as to whether these quotes are based upon information that is observable in the marketplace.

Securities are assigned to Level 3 in cases where non-binding broker quotes are significant to the valuation and there is a lack of transparency as to whether these quotes are based upon information that is observable in the marketplace.

2

[ "<tag1>", "valuation", "and", "there", "is", "a", "lack", "of", "transparency", "as", "to", "whether", "these", "quotes", "are", "based", "upon", "information", "that", "is", "observable", "in", "the", "marketplace", ".", "<tag2>", "Securities", "are", "assigned", "to", "Level", "3", "in", "cases", "where", "non", "-", "binding", "broker", "quotes", "are", "significant", "to", "the", "valuation", "and", "there", "is", "a", "lack", "of", "transparency", "as", "to", "whether", "these", "quotes", "are", "based", "upon", "information", "that", "is", "observable", "in", "the", "marketplace", ".", "<tag3>" ]

[ "valuation", "and", "there", "is", "a", "lack", "of", "transparency", "as", "to", "whether", "these", "quotes", "are", "based", "upon", "information", "that", "is", "observable", "in", "the", "marketplace", "." ]

[ "Securities", "are", "assigned", "to", "Level", "3", "in", "cases", "where", "non", "-", "binding", "broker", "quotes", "are", "significant", "to", "the", "valuation", "and", "there", "is", "a", "lack", "of", "transparency", "as", "to", "whether", "these", "quotes", "are", "based", "upon", "information", "that", "is", "observable", "in", "the", "marketplace", "." ]

[]

[ "Securities", "assigned", "Level", "3", "cases", "non", "binding", "broker", "significant" ]

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

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

922621_14_item7_p127_s0

922621_13_item7_p128_s1

Fair value for these securities are generally determined using comparable securities or non-binding broker quotes received from outside broker dealers based upon security type and market conditions.

securities are generally determined using comparable securities or non-binding broker quotes received from outside broker dealers based upon security type and market conditions.

2

[ "<tag1>", "Fair", "value", "for", "these", "securities", "are", "generally", "determined", "using", "comparable", "securities", "or", "non", "-", "binding", "broker", "quotes", "received", "from", "outside", "broker", "dealers", "based", "upon", "security", "type", "and", "market", "conditions", ".", "<tag2>", "securities", "are", "generally", "determined", "using", "comparable", "securities", "or", "non", "-", "binding", "broker", "quotes", "received", "from", "outside", "broker", "dealers", "based", "upon", "security", "type", "and", "market", "conditions", ".", "<tag3>" ]

[ "Fair", "value", "for", "these", "securities", "are", "generally", "determined", "using", "comparable", "securities", "or", "non", "-", "binding", "broker", "quotes", "received", "from", "outside", "broker", "dealers", "based", "upon", "security", "type", "and", "market", "conditions", "." ]

[ "securities", "are", "generally", "determined", "using", "comparable", "securities", "or", "non", "-", "binding", "broker", "quotes", "received", "from", "outside", "broker", "dealers", "based", "upon", "security", "type", "and", "market", "conditions", "." ]

[]

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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, 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 ]

922621_14_item7_p128_s0

922621_13_item7_p129_s0

This category primarily consists of certain private preferred stock and bond securities as well as collateralized debt and loan obligations.

This category primarily consists of certain private securities as well as collateralized debt obligations.

2

[ "<tag1>", "This", "category", "primarily", "consists", "of", "certain", "private", "preferred", "stock", "and", "bond", "securities", "as", "well", "as", "collateralized", "debt", "and", "loan", "obligations", ".", "<tag2>", "This", "category", "primarily", "consists", "of", "certain", "private", "securities", "as", "well", "as", "collateralized", "debt", "obligations", ".", "<tag3>" ]

[ "This", "category", "primarily", "consists", "of", "certain", "private", "preferred", "stock", "and", "bond", "securities", "as", "well", "as", "collateralized", "debt", "and", "loan", "obligations", "." ]

[ "This", "category", "primarily", "consists", "of", "certain", "private", "securities", "as", "well", "as", "collateralized", "debt", "obligations", "." ]

[]

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

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922621_14_item7_p176_s3

922621_13_item7_p132_s2

The methodologies used by the pricing service that support a Level 2 classification of a financial instrument include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers and reference data.

The methodologies used by the trustee and custodian that support a financial instrument Level 2 classification include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuers spreads, two-sided markets, benchmark securities, bids, offers, and reference data.

2

[ "<tag1>", "The", "methodologies", "used", "by", "the", "pricing", "service", "that", "support", "a", "Level", "2", "classification", "of", "a", "financial", "instrument", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuer", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", "and", "reference", "data", ".", "<tag2>", "The", "methodologies", "used", "by", "the", "trustee", "and", "custodian", "that", "support", "a", "financial", "instrument", "Level", "2", "classification", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuers", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", ",", "and", "reference", "data", ".", "<tag3>" ]

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[ "The", "methodologies", "used", "by", "the", "trustee", "and", "custodian", "that", "support", "a", "financial", "instrument", "Level", "2", "classification", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuers", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", ",", "and", "reference", "data", "." ]

[]

[ "trustee", "custodian", "issuers" ]

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922621_14_item7_p18_s0

922621_13_item7_p15_s0

other income and expenses, including income taxes, that are the responsibility of Indemnity.

other income and expenses, including income taxes, that are the responsibility of the Exchange and its subsidiaries.

2

[ "<tag1>", "other", "income", "and", "expenses", ",", "including", "income", "taxes", ",", "that", "are", "the", "responsibility", "of", "Indemnity", ".", "<tag2>", "other", "income", "and", "expenses", ",", "including", "income", "taxes", ",", "that", "are", "the", "responsibility", "of", "the", "Exchange", "and", "its", "subsidiaries", ".", "<tag3>" ]

[ "other", "income", "and", "expenses", ",", "including", "income", "taxes", ",", "that", "are", "the", "responsibility", "of", "Indemnity", "." ]

[ "other", "income", "and", "expenses", ",", "including", "income", "taxes", ",", "that", "are", "the", "responsibility", "of", "the", "Exchange", "and", "its", "subsidiaries", "." ]

[]

[ "Exchange", "subsidiaries" ]

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

922621_14_item7_p169_s0

922621_13_item7_p168_s3

Spot rates (zero coupon bond yields) are developed from the yield curve and used to discount be nefit payment amounts associated with each future year.

the yield curve and used to discount benefit payment amounts associated with each future year.

2

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[ "Spot", "rates", "(", "zero", "coupon", "bond", "yields", ")", "are", "developed", "from", "the", "yield", "curve", "and", "used", "to", "discount", "be", "nefit", "payment", "amounts", "associated", "with", "each", "future", "year", "." ]

[ "the", "yield", "curve", "and", "used", "to", "discount", "benefit", "payment", "amounts", "associated", "with", "each", "future", "year", "." ]

[]

[ "benefit" ]

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

922621_14_item7_p169_s1

922621_13_item7_p169_s0

benefits is calculated by applying the spot/discount rates to projected benefit cash flows.

The present value of plan benefits is calculated by applying the spot/discount rates to projected benefit cash flows.

2

[ "<tag1>", "benefits", "is", "calculated", "by", "applying", "the", "spot", "/", "discount", "rates", "to", "projected", "benefit", "cash", "flows", ".", "<tag2>", "The", "present", "value", "of", "plan", "benefits", "is", "calculated", "by", "applying", "the", "spot", "/", "discount", "rates", "to", "projected", "benefit", "cash", "flows", ".", "<tag3>" ]

[ "benefits", "is", "calculated", "by", "applying", "the", "spot", "/", "discount", "rates", "to", "projected", "benefit", "cash", "flows", "." ]

[ "The", "present", "value", "of", "plan", "benefits", "is", "calculated", "by", "applying", "the", "spot", "/", "discount", "rates", "to", "projected", "benefit", "cash", "flows", "." ]

[]

[ "present", "value", "plan" ]

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

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

922621_14_item7_p173_s1

922621_13_item7_p173_s1

The expected future return for each asset class is then weighted based upon the plan's asset allocation to produce a reasonable range of asset return results within which our expected long-term rate of return assumption falls.

The expected future return for each asset class is then combined by considering correlations between asset classes and the volatilities of each asset class to produce a reasonable range of asset return results within which our expected long-term rate of return assumption falls.

2

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[ "The", "expected", "future", "return", "for", "each", "asset", "class", "is", "then", "weighted", "based", "upon", "the", "plan", "'s", "asset", "allocation", "to", "produce", "a", "reasonable", "range", "of", "asset", "return", "results", "within", "which", "our", "expected", "long", "-", "term", "rate", "of", "return", "assumption", "falls", "." ]

[ "The", "expected", "future", "return", "for", "each", "asset", "class", "is", "then", "combined", "by", "considering", "correlations", "between", "asset", "classes", "and", "the", "volatilities", "of", "each", "asset", "class", "to", "produce", "a", "reasonable", "range", "of", "asset", "return", "results", "within", "which", "our", "expected", "long", "-", "term", "rate", "of", "return", "assumption", "falls", "." ]

[]

[ "combined", "considering", "correlations", "classes", "volatilities" ]

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

922621_14_item7_p131_s2

922621_13_item7_p176_s3

The methodologies used by the trustee and custodian that support a financial instrument Level 2 classification include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuers spreads, two-sided markets, benchmark securities, bids, offers and reference data.

The methodologies used by the pricing service that support a Level 2 classification of a financial instrument include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, and reference data.

2

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[]

[ "pricing", "service", "issuer" ]

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922621_14_item7_p192_s1

922621_13_item7_p179_s1

A summary of the results of our management operations is as follows:

A summary of the results of our property and casualty insurance operations is as follows:

2

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[ "property", "casualty", "insurance" ]

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922621_14_item7_p244_s2

922621_13_item7_p179_s1

A summary of the results of our management operations is as follows:

A summary of the results of our life insurance operations is as follows:

2

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[]

[ "life", "insurance" ]

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922621_14_item7_p252_s1

922621_13_item7_p179_s1

A summary of the results of our management operations is as follows:

A summary of the results of our investment operations is as follows:

2

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[ "investment" ]

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922621_14_item7_p16_s0

922621_13_item7_p17_s0

other income and expenses, including income taxes, that are the responsibility of the Exchange and its subsidiaries.

other income and expenses, including income taxes, that are the responsibility of Indemnity.

2

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[ "Indemnity" ]

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922621_14_item7_p32_s1

922621_13_item7_p181_s0

Management fee revenue Management fee revenue is based upon all premiums written or assumed by the Exchange and the management fee rate, which is determined by our Board of Directors at least annually.

Management fee revenue is based upon all premiums written or assumed by the Exchange and the management fee rate, which is not to exceed 25% .

2

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[]

[ "exceed", "25" ]

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922621_14_item7_p187_s0

922621_13_item7_p185_s3

The decrease in service agreement revenue in 2012 and 2011 resulted from a continued shift in policies to the monthly direct debit payment plan, which does not incur service charges, and the no-fee single payment plan, which offers a premium discount.

reflects the continued shift in policies to the monthly direct debit payment plan, which does not incur service charges, and the no-fee single payment plan, which offers a premium discount.

2

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[]

[ "reflects" ]

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922621_14_item7_p242_s3

922621_13_item7_p186_s3

This amount represents the reimbursement by the North Carolina Reinsurance Facility (NCRF) for commissions Indemnity paid to agents on the surcharges collected on behalf of the NCRF in prior periods.

This adjustment represents the reimbursement by the North Carolina Reinsurance Facility (NCRF) for commissions Indemnity paid to agents on the surcharges collected on behalf of the NCRF which was incorrectly recorded as a benefit to the Exchange in prior periods.

2

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[]

[ "adjustment", "incorrectly", "recorded", "benefit", "Exchange" ]

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922621_14_item7_p180_s1

922621_13_item7_p190_s1

A summary of the results of our property and casualty insurance operations is as follows:

A summary of the results of our management operations is as follows:

2

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[]

[ "management" ]

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922621_14_item7_p244_s2

922621_13_item7_p190_s1

A summary of the results of our property and casualty insurance operations is as follows:

A summary of the results of our life insurance operations is as follows:

2

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[]

[ "life" ]

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922621_14_item7_p252_s1

922621_13_item7_p190_s1

A summary of the results of our property and casualty insurance operations is as follows:

A summary of the results of our investment operations is as follows:

2

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[]

[ "investment" ]

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922621_14_item7_p206_s0

922621_13_item7_p199_s0

New business premiums written on personal lines increased 20.9% in 2012 , compared to a decrease of 0.7% in 2011 , driven by increases in new business policies written and average premium per policy.

New business premiums written on commercial lines increased 6.3% in 2013 , compared to 24.5% in 2012 , driven by increases in new business policies written and average premium per policy.

2

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[]

[ "commercial", "6.3", "24.5" ]

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922621_14_item7_p206_s1

922621_13_item7_p202_s1

The combined impact of these increases was seen primarily in the commercial multi-peril and workers compensation lines of business.

The combined impact of these increases was seen primarily in the commercial multi-peril and commercial auto lines of business.

2

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[]

[ "auto" ]

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922621_14_item7_p206_s1

922621_13_item7_p204_s1

The combined impact of these increases was seen primarily in the commercial multi-peril and workers compensation lines of business.

The combined impact of these increases was seen primarily in the commercial multi-peril and commercial auto lines of business.

2

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[]

[ "auto" ]

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922621_14_item7_p218_s0

922621_13_item7_p213_s1

There is no federal assistance for personal lines terrorism losses.

federal assistance for personal lines terrorism losses.

2

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[ "federal", "assistance", "for", "personal", "lines", "terrorism", "losses", "." ]

[]

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922621_14_item7_p45_s1

922621_13_item7_p21_s1

On that basis, for presentation purposes, the life insurance operations in the table above include life insurance related investment results.

On that basis, for presentation purposes, the life insurance operations segment discussion includes the life insurance related investment results.

2

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[]

[ "segment", "discussion", "includes" ]

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922621_14_item7_p225_s1

922621_13_item7_p220_s1

The most significant factors contributing to the 2012 favorable development were:

The most significant factors contributing to the 2013 adverse development were:

2

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[ "The", "most", "significant", "factors", "contributing", "to", "the", "2013", "adverse", "development", "were", ":" ]

[]

[ "2013", "adverse" ]

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922621_14_item7_p225_s1

922621_13_item7_p225_s1

The most significant factors contributing to the 2011 favorable development were:

The most significant factors contributing to the 2013 adverse development were:

2

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[ "The", "most", "significant", "factors", "contributing", "to", "the", "2013", "adverse", "development", "were", ":" ]

[]

[ "2013", "adverse" ]

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922621_14_item7_p225_s1

922621_13_item7_p230_s1

The most significant factors contributing to the 2010 favorable development were:

The most significant factors contributing to the 2013 adverse development were:

2

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[]

[ "2013", "adverse" ]

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922621_14_item7_p228_s1

922621_13_item7_p230_s1

The most significant factors contributing to the 2010 favorable development were:

The most significant factors contributing to the 2012 favorable development were:

2

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[ "The", "most", "significant", "factors", "contributing", "to", "the", "2012", "favorable", "development", "were", ":" ]

[]

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922621_14_item7_p233_s1

922621_13_item7_p230_s1

The most significant factors contributing to the 2010 favorable development were:

The most significant factors contributing to the 2011 favorable development were:

2

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[ "The", "most", "significant", "factors", "contributing", "to", "the", "2011", "favorable", "development", "were", ":" ]

[]

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922621_14_item7_p188_s3

922621_13_item7_p240_s3

The adjustment represents the reimbursement by the North Carolina Reinsurance Facility (NCRF) for commissions Indemnity paid to agents on the surcharges collected on behalf of the NCRF in prior periods.

This amount represents the reimbursement by the North Carolina Reinsurance Facility (NCRF) for commissions Indemnity paid to agents on the surcharges collected on behalf of the NCRF which was incorrectly recorded as a benefit to the Exchange in prior periods.

2

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[]

[ "amount", "incorrectly", "recorded", "benefit", "Exchange" ]

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922621_14_item7_p180_s1

922621_13_item7_p241_s1

A summary of the results of our life insurance operations is as follows:

A summary of the results of our management operations is as follows:

2

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[]

[ "management" ]

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922621_14_item7_p192_s1

922621_13_item7_p241_s1

A summary of the results of our life insurance operations is as follows:

A summary of the results of our property and casualty insurance operations is as follows:

2

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[]

[ "property", "casualty" ]

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922621_14_item7_p252_s1

922621_13_item7_p241_s1

A summary of the results of our life insurance operations is as follows:

A summary of the results of our investment operations is as follows:

2

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[]

[ "investment" ]

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922621_14_item7_p180_s1

922621_13_item7_p248_s1

A summary of the results of our investment operations is as follows:

A summary of the results of our management operations is as follows:

2

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[ "management" ]

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922621_14_item7_p192_s1

922621_13_item7_p248_s1

A summary of the results of our investment operations is as follows:

A summary of the results of our property and casualty insurance operations is as follows:

2

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[ "property", "casualty", "insurance" ]

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922621_14_item7_p244_s2

922621_13_item7_p248_s1

A summary of the results of our investment operations is as follows:

A summary of the results of our life insurance operations is as follows:

2

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[ "life", "insurance" ]

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922621_14_item7_p293_s1

922621_13_item7_p288_s1

At December 31, 2012 , shareholders equity decreased by $30 million , net of tax, of which $8 million represents amortization of the prior service cost and net actuarial loss and $38 million represents the current period actuarial loss .

At December 31, 2013 , shareholders equity increased by $81 million , net of tax, of which $10 million represents amortization of the prior service cost and net actuarial loss and $71 million represents the current period actuarial gain .

2

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[]

[ "increased", "gain" ]

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922621_14_item7_p293_s2

922621_13_item7_p288_s2

The 2012 actuarial loss was primarily due to the change in the discount rate assumption used to measure the future benefit obligations to 4.19% in 2012 , from 4.99% in 2011 .

The 2013 actuarial gain was primarily due to the change in the discount rate assumption used to measure the future benefit obligations to 5.11% in 2013 , from 4.19% in 2012 .

2

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[]

[ "gain", "5.11" ]

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