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(Click for frequent words.) 66 geographically concentrated 52 Somewhat offsetting these 48 geographic diversification 48 Knoxville MSA 48 EIG Ansvar 47 Negative Outlook reflects 47 Positive Rating Outlook 47 nonstandard auto 46 disciplined underwriting 46 payor mix 46 policyholder retention 46 Fitch Negative Outlook 46 GNY 46 micaceous iron oxide MIO 45 Mapfre Tepeyac 45 adjusted capitalization 45 OOK ETF 45 SHKPI 45 Modtech TM 44 Stable Rating Outlook 44 Downgrades Ratings 44 FMBI 44 reinsures 44 habitational 44 Partially offsetting these 44 CIRe 44 geographically diversified 43 NAICO 43 Electro Re 43 contingent guaranties 43 rating affirmations 43 Marita Zuraitis president 43 Orrstown Financial conducts 43 GMACI 43 governmental payors 43 partially mitigated 43 Negative Rating Outlook 43 economicconditions 43 unfavorable payor mix 43 xxxii 43 nonperforming assets NPAs 43 geographic dispersion 42 Immtech clinical trials 42 geographic 42 obligor concentration 42 inherent cyclicality 42 Ansvar 42 nonstandard automobile 42 downward repricing 42 NASDAQ INSW 42 mitigant 42 RMIC 42 Northeast Mid Atlantic 42 premiums ceded 42 Stable Outlook reflects 42 Negative Outlooks 42 unfavorable variances 42 partially mitigates 42 undiversified 42 Patria Re 41 A.M. Best Downgrades Ratings 41 IMSA ASA 41 Bosna Re 41 FirstMortgage Inc. 41 changesin 41 Transsib Re 41 guaranty 41 Marcellus Shale acreage 41 commercial multiperil 41 KFSI 41 CRE exposures 41 BB IDR 41 farmowners 41 AAA' rated 41 xxvii 41 multiple lease terminations 41 nonprime 41 mortgage subservicing 41 captive domiciles 41 ANICO 41 infill submarkets 41 Mendakota Insurance Company 41 Ocaso 41 subaccounting fees 41 Strength IFS rating 41 U2B R 40 geographical diversification 40 HDI Industrie 40 structural subordination 40 Permian Basin Rocky Mountains 40 Places Ratings 40 poolwide characteristics modeled 40 mortgage guaranty 40 Negative Outlook 40 Arlon Coated Materials 40 Aurigen 40 IPCRe 40 FNNI 40 Anadarko Arkoma 40 Financial Strength Rating 40 geographic footprint 40 DTRIC 40 Century Indemnity 40 EAIG 40 Individual Rating 40 MEEMIC Insurance Company 40 itssubsidiaries 40 Prospectively 40 affirmation reflects 40 Indemnity Insurance 40 Brookstone Brand 40 prolific Sierra Madre 40 Primary Servicer Rating 40 DragonWave relies 40 variable annuity guarantees 40 B piece resecuritizations 40 xxvi 40 RMBS exposures 40 PBKS 40 Lordsburg Mining District 40 capitalized minimums 40 Solvency Score 40 geographic diversity 40 Emptying Nests 40 Kingsway Reinsurance Corporation 40 geographically contiguous 40 Preprint revenues 40 nonperforming assets 40 FinCor 40 Inc NASDAQ CISG 39 Boomerang Fay 39 financial guaranty reinsurance 39 andgeneral 39 prolific Permian Basin 39 cyclical nature 39 nondepository 39 Specialty Acids 39 Curt Beaudouin senior 39 MAPFRE RE 39 Rating Outlook Negative 39 FMER 39 BBB + IDR 39 Farmington Hills Fenton 39 subservicer 39 SF CDO exposure 39 Casualty Insurance Company 39 SBLIC 39 AmerInst 39 FNLC 39 TGS reliance 39 A.M. Best Affirms Ratings 39 self insured retentions 39 Upgrades Ratings 39 Amlin Bermuda 39 Rocky Mountains Mid Continent 39 Ahmedabad Bengaluru 39 Specialty Salts 39 Casualty Ins 39 guaranty insurers 39 FYE# FYE# 39 multibank holding company 39 technological innovations adversely affecting 39 Ukraine Uzbekistan Tajikistan 39 Jiangsu Cold Rolled 39 AA mex 39 impactof 39 xxi 39 DSL.net s 39 Partially mitigating 39 Seguros Inbursa 39 ISO# certified manufacturing 39 ratios compare favorably 39 BFSR reflects 39 MPLI 39 Capmark VII 39 BBB + rating 39 BluePoint Re 39 AM Best Affirms 39 placed LHP Damaso 39 eastern Cornbelt 39 Anglophone Caribbean 39 Ratings IDRs 39 Aa1 rating 39 Best Capital Adequacy 39 geographically diversified homebuilders 39 Priszm LP 39 Arroyo Grande Atascadero 39 xxviii 39 Petrotemex 39 Safety Indemnity 39 nonperforming asset 39 cyclicality 38 fluctuations 38 WSFG 38 OakFirst Loan Center 38 affirmative covenants 38 BBB IDR 38 Allianz SpA 38 cyclicality inherent 38 Banknorth Vermont 38 Reaseguros SA 38 thereby negatively impacting 38 TEXT Moody assigns 38 Dorinco 38 andWashington DC 38 Revises Rating Outlook 38 Strength IFS 38 BICI 38 Whittier La Habra 38 midstream compression 38 Pacifico Vida 38 owns Ameriana 38 insureds 38 CIC Saipan 38 Assigns Ratings 38 Mapfre Re 38 TFG CLO 38 Selects Guidewire 38 SmarTrend Diagnostic Substances 38 marketconditions 38 cedant 38 Risk Retention Groups 38 flatter yield curve 38 CUMIS 38 Withdraws Ratings 38 Immtech scientists 38 IDR BBB 38 Bill Hulterstrom president 38 Bagger Dave concept 38 wholly owned nonregulated 38 capitalization 38 geological similarities 38 mitigants 38 obligations GOs 38 productsand services 38 Fitch PEL 38 de novo branching 38 SSIE 38 unevaluated properties 38 Regulation XXX 38 Cattolica Assicurazioni 38 IDR BBB Stable Outlook 38 Best Assigns 38 RRGs 38 pricing pressures 38 nonprime mortgage 38 A.M. Best Assigns Ratings 38 intercompany pooling agreement 38 multiperil 38 polyvinyl chloride PVC resins 38 Dundee REIT portfolio 38 Confie Seguros 38 Firemans Fund 38 workersa compensation 38 Seguros ING 38 wholly owned subsidiary IPCRe 38 InnSuites Hotels 38 Reputational risk 38 origination volumes 38 Stable Outlook 38 surety bonding 38 Rocky Mountain Mid Continent 38 FSAH acquisition 38 HGIC 38 AES PHEAA 38 Liquor Alliance www.united 38 Stable Rating Outlooks 38 Milli Re 38 nonperforming loans 38 ourability 38 assessed valuation AV 38 Negative Rating Outlooks 38 React NTI 38 Partnered Brands segment 38 Montpelier Reinsurance Ltd. 38 OTC SYCRF 38 risksassociated 38 originator underwriter 38 epithermal vein systems 38 Sunbelt Mid Atlantic 38 Re Takaful 38 CMBS collateral 38 variable annuity reinsurance 38 PRCUA 38 RPS2 + 38 Boom Towns 38 Mid Continent Permian Basin 38 drugstore anchored 38 Harleysville distributes 38 analyst Bijan Moazami 38 Sonora Sinaloa 38 Ms. Dressel 38 Rating IDR 38 Compania de Seguros 38 complementary agronomy feed 38 SUSANNAH BRYAN covers 38 Verlan Fire 38 xxxiii 38 specially serviced loan 38 CATY 38 submarket 37 rating ICR 37 multifamily properties 37 AM Best Assigns 37 Nonperforming asset 37 Specialty Casualty 37 GeoVera 37 Merced Visalia 37 disfavored minorities 37 xv 37 Fitch Issuer Default 37 CMBS Servicer Ratings 37 nondaily publications 37 HomeFinder LLC 37 Century Surety 37 reinsurance recoverables 37 Hemispherx involve 37 noncoastal 37 Westoba 37 Surplus Lines 37 noncyclical 37 PNMR 37 beta coefficient 37 theimpact 37 party VLSI fabrication 37 nonaccrual loans 37 fixed indexed annuities 37 FCGH 37 Physhield 37 geographical proximity 37 website HomeFinder.com 37 deterioration 37 Pollo Tropical restaurants 37 LoanCare 37 GOs AAA 37 competitively advantaged 37 Crisa acquisition 37 homeowners multiperil 37 Negative Rating Watch 37 BCAR 37 relatively undiversified 37 loans CREL 37 ARM INC. 37 Nat'l Ins 37 Caparra Hills 37 rated AA/F1 + 37 AA-/Stable/A-1 + 37 #states 37 Renasant Insurance 37 Seguros Argos 37 Gaston Iredell Rowan 37 frac spreads 37 Risk Retention Group 37 NBCR risks 37 Guaranty Insurance 37 MicroTel 37 HANA MAX 37 WMRe Bermuda 37 TM Expands Into 37 upscale midscale 37 Life Ins 37 contributable 37 xxiii 37 andeconomic 37 nonurban 37 operated bakery cafe 37 noninterest 37 Stable Outlook incorporates 37 Archean greenstone belt 37 GMAC RFC GMAC Mortgage 37 Casiopea Re 37 seasonality 37 A.M. Best Revises Outlook 37 prepayment speeds loan originations 37 Jimmy'Z stores 37 Upgrades Issuer Credit 37 Jupitermedia competes 37 directionally consistent 37 subsidiary PremierWest 37 LSV Employee Group 37 Snowbelt 37 reinsuring 37 xxv 37 Oxxo convenience store 37 Pulte Homes Centex 37 nonaccruing loans 37 FinCor Holdings 37 SEASONALITY 37 largely ungoverned Waziristan 37 Hillsborough Pinellas Pasco Hernando 37 Casualty Insurance 37 underwrites specialty 37 nonadmitted 37 segments Orthopaedic Implants 37 dealer floorplan ABS 37 consummating acquisitions 37 Naples Bonita Springs 37 Not Formally Followed 37 PCV ST 37 anduncertainties 37 OIM instruments 37 Sweet Tomatoes restaurants 37 rated RPS2 + 37 Rescap 37 viii 37 Marcellus shale acreage 37 BFSRs 37 MyNetwork TV affiliates 37 Stable Outlooks 37 automotive stampings 37 Permian Basins 37 KIPCOKIPCO 37 Shamir differentiates 37 Fitch Maintains 37 ARLP Partnership 37 YoverY 37 ad valorem taxing 37 geological geophysical geochemical 37 AAA/Stable/A-1 + 37 Shire plc Attention Deficit 37 Somewhat mitigating 37 RPS2 37 reinsurance cessions 37 eastern Llanos Basin 37 valve actuation systems 37 Downgrades Issuer Credit 37 FHCF 37 A-/A-2 counterparty credit 37 ceded reinsurance 37 xi unanticipated 37 Proformance Insurance Company 37 postretirement obligations 37 UnionBanc Insurance Services 37 A.M. Best Withdraws Ratings 37 AFBS formerly Therics 37 HG LV 36 Downgrades Rating 36 xviii 36 AEIX 36 OTC BB FKYS parent 36 gross NPL ratio 36 mineral zonation 36 DPAC amortization 36 Kurupung Batholith 36 underwriters Fidelity 36 sunbelt states 36 geographical dispersion 36 Mid Continent Rocky Mountain 36 obligor 36 adverse 36 Sunbelt Region 36 Flagstone Holdings 36 Outer Foothills 36 casualty coverages 36 counterparty creditworthiness 36 domestics merchandise 36 Catastrophe losses 36 Long Term Issuer Default 36 terminaling 36 Ratio BCAR 36 BBB counterparty 36 retrocessional reinsurance 36 casualty facultative 36 Congressionally chartered wholesale 36 LMGI 36 property catastrophe reinsurance 36 MedAmerica 36 Alteri Bakery Inc. 36 BNY Trade 36 Fitch IDR 36 Rocky Mountains onshore 36 Hiscox Guernsey 36 Underwriters Ins 36 EIHI NASDAQ 36 counterparty credit 36 theUnited Kingdom 36 Grain Dealers 36 Metropolitan Statistical Areas MSAs 36 IBER 36 nonbanking subsidiaries 36 Boulder Longmont Colo. 36 website cars.com 36 CDIY 36 MEDirect 36 recoverables 36 #,# operatories located 36 BOPET film industry 36 nonbank subsidiaries 36 fighter jets del Rosario 36 DFP ABS 36 micropolitan statistical areas 36 Ironshore Insurance 36 assigned Rating Outlooks 36 AMBest 36 FOVISSSTE 36 Specialty Engineered Alloys 36 generic oral contraceptive 36 ADSI reliance 36 AMEX Assurance 36 per capita GDPs 36 YELLOWPAGES.travel SearchBoth.com 36 REO saturation 36 Genworth MI 36 Nabors participates 36 real estate CRE 36 retrocessional coverage 36 austere budgetary 36 isheadquartered 36 Northwest Territories Nunavut 36 Overhead Expense 36 JEVCO 36 unamortized premiums 36 AssuranceAmerica 36 MIICL 36 lieutenant governor Dennis Daugaard 36 premier submarkets 36 retroceded 36 Indemnity 36 rated BBB + 36 HDI Gerling 36 Torus Insurance 36 Aruba Barbados 36 BBB rating 36 underwriting 36 Inc. NASDAQ HCII 36 issuer default 36 Chief Executive Dominic Frederico 36 pubic hair cleft 36 LTGOs 36 Ratings IDR 36 Seguros SA 36 retailers foodservice distributors 36 NCSLT #-# 36 Web site www.Syfy.com 36 IFS rating 36 ceding commissions 36 Ullico Casualty 36 assigned Negative Outlook 36 Offsetting 36 xxii 36 Wholly owned subsidiaries 36 #/#/# crack 36 Steamship Bermuda 36 BancShares 36 Encompass Insurance 36 MAPFRE SA 36 Subscription Fulfillment Services 36 adversely affecting Cubist 36 highly levered 36 Celaya Guanajuato located 36 iv 36 KICO 36 nonaccruals 36 BEST RE 36 Indemnity Ltd. 36 loan origination fees 36 locational advantage 36 xxiv 36 AGCS AG 36 Stewart Sneed Hewes 36 fluctuation 36 Commnet 36 Parque Escorial 36 Fauquier Counties 36 vii 36 + Stable/- 36 noninterest bearing deposit 36 delinquencies defaults 36 TeamBank NA 36 tenant bankruptcies 36 INVESCO Real Estate 36 Marcellus Shale leasehold 36 A.M. Best Upgrades 36 undercapitalized 36 reinsured 36 AXXX 36 GFIC 36 Kingsey Falls Que 36 collateralized 36 Mortgage Indemnity 36 QBE Re 36 Rating Outlook revision 36 Best Affirms 36 Northwind Holdings 36 Captive Insurance Companies 36 submarkets 36 liabilities slippage 36 OREO write downs 36 Banco Popular de 36 somewhat mitigated 36 mission Akutsu 36 Lonpac 36 liability CGL 36 Engineered Polymers 36 nonprime mortgages 36 noninsurance 36 LISA J. HURIASH 36 GIBGIB 36 TCEH 36 woefully lagged 36 operates 36 interest entity VIE 36 facially discriminatory 35 GCB Acceptance Corporation 35 adversely affect FPL 35 materially adversely affect 35 Yunnan Guizhou Guangxi 35 Unigard 35 Residential Funding 35 Specialty Underwriting 35 risks associatedwith 35 socioeconomic characteristics 35 BPPR 35 Univest Insurance 35 conservatively underwritten 35 T Homezone SM 35 policyholder surplus 35 subsidiaries underwrites 35 Safety Risk Retention 35 transaction significantly undervalues 35 Kelmon noted 35 A#/P# 35 Fine Chemicals segment 35 NASDAQ AMSF 35 Asset Accumulation 35 NOI DSCR 35 Telesat Telesat leverage 35 BHAC 35 AAIC 35 Monied Burbs 35 Fine particle pollution 35 Wuxi Suzhou 35 LTAC hospitals 35 Sets Quarterly Dividend 35 include Firstbank Alma 35 Ansvar Insurance 35 constructing seawater desalination 35 CompWest 35 ability tosuccessfully 35 Vantis Life 35 IDR BB 35 Sub metering 35 AspenTech dependence 35 A#/P-# 35 Merastar Insurance 35 Framingham MA Ameresco 35 levered balance sheet 35 hopper railcar 35 Bozeman Butte 35 cyclicality fluctuations 35 Wheatland Tube Corp. 35 FirstComp 35 Kleros RE IV 35 NetDeposit LLC 35 Harland Clarke Harland 35 loan delinquencies 35 established CoverX R 35 EPLI 35 Moody downgrades 35 AIUK 35 geographically diverse 35 ICRs 35 policyholder dividends 35 perpetual debentures 35 negatively impact 35 DPLER 35 ProSelect Insurance Company 35 MGUs 35 Mortgage Guaranty 35 receivable balances 35 openers fireplaces 35 CastlePoint Re 35 ReTakaful 35 ROAA 35 relative illiquidity 35 overcapitalized 35 general economicconditions 35 attendant thereto 35 Milton Keynes Newham Solihull 35 Industries www.agfeedinc.com 35 undercollateralized 35 reinsurance recoverables owed 35 Rating Notification 35 repricing downward 35 AutoOne Insurance 35 borrower depositor 35 Byron Udell founder 35 seasonal fluctuations 35 LionMark Insurance Company 35 Genworth Financial Mortgage 35 rapid measurable ROI 35 FelCor consolidated 35 elite 3PLs 35 indebtness 35 Invitel Holdings operates 35 stressed DSCR 35 rated Ba3 35 NIPPONKOA Asia 35 BBB-/F3 35 Caister Murdoch System 35 PDP MLR 35 geographical 35 hedonically sic 35 Nebraska Nelnet originates 35 Aaa rated 35 bbb + 35 micropolitan areas 35 Mortgagebrokers.com 35 captive reinsurance 35 acquires develops manages 35 charge offs 35 unfavorable 35 MWPAT 35 developing economies RDEs 35 broadline retailer 35 unconsolidated investments 35 financial guaranty reinsurer 35 NASDAQ INSW owns 35 AmNet 35 Withdraws Rating 35 Exousia Evergreen 35 TransFund ATM network 35 rated A/F1 35 Issuer Default Ratings 35 Paradies Shops operates 35 basedin 35 LibertyBank Acquisition 35 BB ind 35 EGS Electrical Group 35 LIFE TIME ATHLETIC 35 technological obsolescence 35 relative newness 35 FAFLIC 35 DHHA 35 Issuer Default Ratings IDRs 35 noninvestment grade 35 megaplex theaters 35 Carlsbad El Cajon 35 Reaseguros 35 diversifying geographically 35 Affirms Ratings 35 distort comparability 35 ComparisonMarket 35 Changsha Tongxin 35 flat yield curve 35 Issuer Default Rating IDR 35 Textainer expectation 35 subservicing 35 MCCSR ratio 35 Geographical diversification 35 BriteSmile Centers 35 Medicare eligibles 35 diversifi ed 35 limerock deliveries 35 assumable 35 BBB/F2 35 VeraSun E# 35 BBB + Stable/A-2 35 Objet serves 35 mortality morbidity 35 CRE loans 35 Achieves ISO #:# Certification [001] 35 A-/F1 35 Margin compression 35 Hiscox Bermuda 35 cross collateralization 35 aggregate leasable 35 nonaccrual loan 35 #x #E 35 flattening yield curve 35 Therein lurks 35 noninterest expenses 35 Lloyd Syndicate 35 AssuranceAmerica focuses 35 Loan Facilitation Services 34 Mounting defaults 34 Barnett Shale Ark 34 EquiTrust Life Insurance 34 consolidates securitizes holds 34 A.M. Best Places 34 bb + 34 franchise brand RimTyme 34 CBSAs 34 SNFs 34 Pulte Homes Centex Homes 34 psoriasis rosacea seborrheic dermatitis 34 mso font pitch 34 NRT LLC 34 AmCOMP 34 Intertainment Media owns 34 Mimi Cafe casual 34 SAFECO 34 FelCor owns 34 unaffiliated reinsurers 34 Cedar Rapids Council Bluffs 34 GeoMarkets 34 CDO squared transactions 34 adversely affect Waste Connections 34 loss severities 34 Toa Re 34 operates timeshare resorts 34 JDIC 34 Bermuda domiciled holding 34 Agree Realty owns 34 Issuer Default Rating 34 BBB Issuer Default 34 Sparsely populated 34 population densities 34 iii 34 speculator resale 34 Gramercy Realty 34 Delvag 34 denovo 34 Temecula Murrieta Corona 34 consolidations restructurings bankruptcies 34 C4ISR integration 34 MNMC 34 prime RMBS 34 vi 34 AFLIC 34 unitary thrift holding 34 AHAA promotes 34 NWLI 34 Avista Utilities assumes 34 MENTOR Network 34 retrocessionaires 34 Receivables Funding 34 NCB FSB 34 PETER PASSI covers 34 Central Rappahannock Tidewater 34 concentration 34 FEMSA Comercio 34 Outlook Stable 34 Lineament 34 DARA intellectual property 34 Greater Buffalo Wallow 34 farebox recovery ratio 34 A.M. Best Assigns Rating 34 Macusani Uranium District 34 rated CAM2 34 calcium hypochlorite markets 34 BBB medians 34 adversely affect Univest Corporation 34 affirmations reflect 34 affecting Amarin 34 macroeconomic headwinds 34 FIGA assessment 34 HEH believes 34 MAM Utility Services 34 Flagstone Suisse 34 principal salesrooms located 34 TWST What 34 inherent 34 CEO Charles Brindamour 34 underwrites 34 wafer foundries integrated 34 International Liftboats 34 Athilon 34 sells Cafe Bustelo 34 IFSR 34 Accident Ins 34 airfreight forwarding 34 repossessed assets 34 assigned Negative Outlooks 34 issuers counterparties 34 Country Ceiling 34 CML HealthCare Inc. 34 subordinate tranches 34 Varian Semiconductor reliance 34 Markel NYSE MKL 34 Osvaldo Librizzi President 34 scalability adaptability 34 EMEA CMBS 34 HomeWise Insurance 34 Rating Outlook 34 unsecured indebtedness 34 Counterparty credit 34 restrictive formularies 34 UC Irvine UC Riverside 34 Darke Preble 34 hydrological drought 34 activating CAMM across 34 Municipal Obligations 34 Pyrite mineralization 34 de Seguros y 34 Washtenaw Livingston 34 AmTrust 34 Fiberglass Composite Pipe 34 UNIFI Companies 34 TSFG operates 34 securing MFA MBS 34 AAA Aaa 34 seasonal cyclones 34 Tix4AnyEvent.com brand 34 surety marine 34 geographics 34 multidepartment stores 34 rated RPS1 34 BBB-/A-3 34 mergers consolidations 34 entities VIE 34 StanCorp Mortgage Investors 34 companywith 34 GLC deposit 34 Assumed Reinsurance 34 LBDP 34 GreenPoint Insurance 34 PPO POS 34 Insurer Financial 34 FNC pioneered 34 MLIC 34 Fitch Assigns Initial 34 geographic remoteness 34 ZEP RE 34 pSivida conducts 34 Maricunga Gold Belt 34 xvii 34 Retrograde ejaculation 34 Insteel operates 34 FNBI 34 Reinsurance recoverables 34 SeaBird ` 34 GFNorte 34 indebtedness incurred 34 inventoried glaciers 34 credit ratings ICR 34 ING Seguros 34 results ofoperations 34 retrocessional 34 remote sensing spatial 34 negatively impacted 34 geographical regions 34 Company CETCO Oilfield 34 Underperform recommendation 34 improperly usurps 34 outdated unsuited 34 Shreveport Bossier metropolitan 34 HomeBanc Mortgage Corporation 34 Fuwei Films conducts 34 postretirement benefit obligations 34 Relocate Corporate 34 AA/F1 34 Exterran Holdings indirectly 34 Hotel Lessee 34 Ascendiant 34 renamed #mattress.com 34 TrinityCare 34 balance sheet deleveraging 34 CPKF 34 Cleartel 34 ERIEBANK division 34 Guidewire Software ® 34 Frederick H. Eppinger 34 Los Angeles KJLA 34 Alan Vituli Chairman 34 Unitrin Specialty 34 highly amenitized 34 Rockhill Insurance 34 Everest Reinsurance Holdings 34 nonurban areas 34 Publication Classified Ad 34 ITT ESI serves 34 RMBS collateral 34 Heavily populated 34 Furthermore Loral 34 subsidiaries 34 Klean Prep TM 34 catastrophe reinsurance 34 wellpositioned 34 Predatory lending practices 34 casualty reinsurance 34 goodwill impairment 34 Hedge ineffectiveness 34 g Represents 34 efficiency ratio teb 34 Market Disruption 34 changing demographics 34 geographically proximate 34 undepreciated book 34 CastlePoint Insurance 34 Moffie writing 34 Physicians Assurance 34 Corporation EasyLink NasdaqCM 34 flooded Baksh 34 Omtool periodic reports 34 FinCor Holdings Inc. 34 Casualty Insurance Co. 34 metropolitan statistical areas 34 analyzed alongwith 34 Definitions vary 34 indebtedness 34 Peninsula Furs 34 Indemnity Co. 34 Deltron acquires profitable 34 Headlee rollbacks 34 IDR BBB + 34 BBB + BBB 34 risksand uncertainties 34 production ratios RPR