report_id stringlengths 1 60 | paragraph_nr int64 0 28.3k | text stringlengths 21 14.6k | n_words int64 11 2.31k | filing_type stringclasses 2
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ScorSE-AR_2016 | 249 | SCOR’s casualty treaties typically cover original risks of general liability, product liability or professional indemnity. Accordingly, they include treaties covering motor liability and general third-party liability. Motor liability reinsurance covers property damage, bodily injuries and other risks arising from the c... | 52 | annual_report |
1003 | 411 | Prior to December 31, 1998, separate salaried and hourly pension plans existed. These plans were merged into a single plan in an effort to reduce administrative expenses and streamline communication with plan participants. The merger had no material effect on pension assets, liabilities or funding levels. | 46 | 10K |
4880 | 847 | Client asset values also increased in 2013 from 2012 primarily due to strong market performance in 2013 along with product sales in excess of redemptions. | 25 | 10K |
Sampoplc-AR_1999 | 894 | Shares in affiliated undertakings riginal acquisition o t, Jan. 1 Portfolio transfer/merger ln rease | 14 | annual_report |
ch_zurich_insurance_group-AR_2010 | 1,990 | h) Employee benefits The Group provides defined benefit pension plans and other post-employment plans. In assessing the Group’s liability for these plans, critical judgments include estimates of mortality rates, rates of employment turnover, disability, early retirement, discount rates, expected long-term rates of retu... | 146 | annual_report |
5282 | 1,167 | If disbursements for claims and benefits, policy acquisition costs and other operating expenses were to exceed premium inflows, cash flow from reinsurance and insurance operations would be negative. The | 29 | 10K |
SwissReAG-AR_2013 | 2,094 | the Group provides reserves for uncollectible amounts on reinsurance balances ceded, based on management’s assessment of the collectability of the outstanding balances. | 22 | annual_report |
ASRNederlandNV-AR_2018 | 2,845 | The Tier 1 and Tier 2 instruments have subordination provisions, rank junior to all other liabilities and senior to shareholder’s equity only. The conditions of the securities contain certain provisions for optional and required coupon payment deferral and mandatory coupon payment events. | 42 | annual_report |
4486 | 1,711 | maintain specified levels of statutory capital, as defined by each state, and restrict the timing and amount of dividends and other distributions that may be paid to their parent company. Generally, the amount of dividend distributions that may be paid by a regulated subsidiary, without prior approval by state regulato... | 94 | 10K |
fr_axa-AR_2008 | 3,625 | Net revenues from banking activities – – – – 388 9 13 409 | 13 | annual_report |
NatixisSA-AR_2014 | 9,006 | The bank also initiated a new environmental policy encouraging its employees to adopt other green gestures on a day-to-day basis. | 20 | annual_report |
StorebrandASA-AR_2010 | 1,299 | Group investment with choice and unitlinked fee based risk products individual and paidup policies profit sharing company portfolio/ | 18 | annual_report |
4806 | 517 | Our ability to receive dividends from KICO is restricted by the state laws and insurance regulations of New York. These restrictions are related to surplus and net investment income. Dividends are restricted to the lesser of 10% of surplus or 100% of investment income (on a statutory accounting basis) for the trailing ... | 84 | 10K |
fr_axa-AR_2003 | 2,944 | 6. Goodwill An analysis of goodwill by principal acquisition and segment is presented in the table below. In general, the figures shown below refer to several operational entities whose contribution to Group earnings is decreased by the goodwill amortization charge. | 40 | annual_report |
4259 | 7,032 | In 2010 and 2009, a return of capital by American Heritage Life Investment Corporation to the Corporation totaled $24 million and $13 million, respectively. There were no dividends paid by Allstate Financial in 2008. | 34 | 10K |
NatwestGroupPLC-AR_2004 | 1,107 | Non-interest income increased by £4 million to £185 million. Strong growth in lending, transmission and card fee income was partially offset by lower dealing profits. Uncertainty in equity markets adversely affected brokerage fees in the stockbroking business which was sold in October 2003. | 43 | annual_report |
INGGroepNV-AR_2005 | 1,030 | INVESTMENTS IN ASSOCIATES Associates are all entities over which the Group has significant influence but not control, generally accompanying a shareholding of between 20% and 50% of the voting rights. Investments in associates are initially recognised at cost and subsequently accounted for by the equity method of accou... | 48 | annual_report |
4039 | 795 | our North America operations from Willis HRH to Willis North America. Consequently the intangible asset recognized on the acquisition of HRH relating to the HRH brand name has been fully amortized. | 31 | 10K |
5258 | 995 | The year-end 2016 gross reserves of $25.25 billion for property-liability insurance claims and claims expense, as determined under GAAP, were $7.53 billion more than the net reserve balance of $17.72 billion recorded on the basis of statutory accounting practices for reports provided to state regulatory authorities. Th... | 125 | 10K |
41 | 448 | (iii) Term Notes Issued by ILFC: ILFC has issued unsecured obligations which may not be redeemed prior to maturity. $200,000,000 of such term notes are at floating interest rates and the remainder are at fixed rates. | 36 | 10K |
2032 | 479 | The payment of dividends by the Company is dependent on the ability of its subsidiaries to pay dividends. The payment of dividends by TRC and its wholly-owned subsidiaries, TRZ and Putnam, is restricted by insurance regulations. Under New York insurance law, TRC and Putnam may pay dividends only out of their statutory ... | 121 | 10K |
441 | 342 | Revenues decreased by $17.4 and $16.8 million, or 8.0% and 7.7%, as compared to 1995 and 1994, respectively. Net income decreased by $9.9 and $12.6 million, as compared to 1995 and 1994, respectively. | 33 | 10K |
DirectLineInsuranceGroupPLC-AR_2017 | 1,052 | The Committee reviews and challenges the ABE and MBE on a six-monthly basis. In addition, it monitors developing trends in risks that could impact the reserves in a positive or negative way. On an ongoing basis deep dives are carried out on different risks. | 44 | annual_report |
fr_axa-AR_2016 | 1,077 | (b) Direct business in France, Belgium, Spain, Portugal, Italy, Poland, United Kingdom, South Korea and Japan. | 16 | annual_report |
3911 | 555 | Reinsurance recoverables on unpaid losses and loss adjustment expenses a re similarly subject to changes in estimates and assumptions. Amounts recoverable from reinsurers are estimated in a manner consistent with the claim liability associated with the reinsured policies. In addition to factors noted above, estimates o... | 78 | 10K |
Sampoplc-AR_2008 | 2,167 | Dividend-adjusted starting price at 31 Dec. 2008 - - - - 17.77 16.06 18.44 | 14 | annual_report |
3072 | 767 | measuring fair value, and requires additional disclosures about fair-value measurements. The statement imposes no requirements for additional fair-value measures in financial statements. We are currently assessing the impact of this new guidance, but do not believe it will be material. We plan to adopt this guidance ef... | 50 | 10K |
gb_prudential-AR_2013 | 228 | M&G continues to provide capitalefficient profits and cash generation for the Group and remitted cash totalling £235 million during 2013, compared with £206 million in 2012. | 26 | annual_report |
194 | 586 | During July 1993 the Company entered into a coinsurance agreement whereby the Company received $140.1 million in cash and assumed $154.6 million in annuity fund liabilities, which were subject to surrender penalties aggregating $17.2 million. | 35 | 10K |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2007 | 1,713 | Munich Re’s investments were not affected by any significant defaults in 2007, although expenses resulted for the revaluation of our portfolio of credit derivatives. | 24 | annual_report |
PhoenixGroupHoldingsPLC-AR_2016 | 1,899 | Acquisition of AXA Wealth Limited and Abbey Life Assurance Company Limited This is a new significant risk for the current year. | 21 | annual_report |
PowszechnyZakladUbezpieczenSA-AR_2012 | 1,322 | In December 2012 the entity sold its first policy with the premium of EUR 26.4 thousand. | 16 | annual_report |
4740 | 368 | The year ended December 31, 2013 included a $5 million benefit from unlocking and model changes which included a $22 million benefit related to the market impact on variable annuity guaranteed benefits, and the prior year included a $28 million benefit, which included an $18 million expense related to the market impact... | 88 | 10K |
PosteItalianeSpA-AR_2017 | 1,811 | In the event of application of the own use exemption, the commitments assumed are reported in note 11 Additional information - Commitments. | 22 | annual_report |
5035 | 510 | Case reserves on reported claims are established on a claim by claim basis. Supported by a property damage estimate software package, more fully described later, our experienced claim personnel estimate the ultimate expected loss amount as soon as possible after the claim event, but in no case greater than 30 days from... | 187 | 10K |
fr_axa-AR_2019 | 3,303 | (i.e. Chairman of the Board of Directors and Chief Executive Off icer). | 12 | annual_report |
4015 | 763 | Income from real estate and venture capital investments primarily represents Gallagher’s portion of the earnings (losses) of these entities that are accounted for using equity method accounting. Interest, dividends and other includes interest earnings of $2.4 million in 2007, related to the invested proceeds from Galla... | 152 | 10K |
NatixisSA-AR_2008 | 799 | No repurchase hedging operations of securities arising from the exercise of options are authorized for Executive Board members. | 18 | annual_report |
5040 | 1,391 | Equity risk is defined as the risk of financial loss due to changes in the value of global equities or equity indices. The Company has exposure to equity risk from assets under management and embedded derivatives within the Company’s variable annuities. Equity Risk on the Company’s Variable Annuity products is mitigate... | 65 | 10K |
nl_ing_grp-AR_2019 | 1,212 | - Evaluating the reliability of external experts in providing input data for the Net Promoter Score and Feeling of Financial Empowerment indicators. | 22 | annual_report |
1068 | 309 | Revenues from other service lines (which includes utilization review, Medicare coordination of benefits and other case management services), decreased 17% overall for 1998, as compared to 1997. This decrease was primarily attributable | 32 | 10K |
HannoverRueckSE-AR_2018 | 498 | Insurers in our domestic German market are increasingly preoccupied with the capital adequacy and solvency ratios prescribed by the European Solvency II Directive. Reinsurance covers offer one possible solution for meeting the required ratios. Demand for reinsurance solutions was, however, more subdued in the year unde... | 64 | annual_report |
GjensidigeForsikringASA-AR_2011 | 1,866 | There are contractual commitments regarding development of investment properties amounting to NOK 39.0 million (96.0), and also a commitment to invest NOK 15.0 million (45.0) in a residential development project. The latter commitment falls due during the period from 2012 to 2013, depending on the progress of the proje... | 49 | annual_report |
TrygAS-AR_2003 | 336 | Vesta launched the second stage of implementation of the system in 2003, using, among other things, the experience Tryg had already gained with the system. A | 26 | annual_report |
2616 | 704 | Net Investment Income and Realized Capital Gains. Net investment income was $9.0 million in 2004 compared to $6.7 million in 2003. Most of the increase is attributable to the investment of $110.0 million of the proceeds from our initial public offering, which took place in mid-February, 2004. Operating cash flows aggre... | 93 | 10K |
INGGroepNV-AR_2008 | 640 | Learning and developing ING takes a structured approach to executive training and development and is convinced that the development and education programmes for existing staff help them get more engaged. The ING Business School expanded its range of courses in 2008. The school enlisted 2,550 participants, compared to 2... | 80 | annual_report |
4818 | 912 | Comparison of Years ended December 31, 2012 and December 31, 2011 | 11 | 10K |
5714 | 948 | Total premium collections were $2,793.0 million in 2019, up 5.5 percent from 2018, and $2,648.2 million in 2018, up 5.2 percent from 2017, primarily driven by sales of fixed index annuities. See "Premium Collections" for further analysis of Bankers Life's premium collections. | 42 | 10K |
NatixisSA-AR_2012 | 4,806 | FINANCIAL DATA5 Consolidated fi nancial statements and notes 6.13 Debt securities | 11 | annual_report |
5672 | 939 | compensation expenses. Cash provided by operating activities can be unfavorably impacted if the amount of IRC Section 45 tax credits generated (which is the amount we recognize for financial reporting purposes) is greater than the amount of tax credits actually used to reduce our tax cash obligations. Excess tax credit... | 94 | 10K |
1584 | 152 | Protective provides financial services through the production, distribution, and administration of insurance and investment products. Protective markets individual life insurance, indemnity and prepaid dental products, credit life and disability insurance, guaranteed investment contracts, guaranteed funding agreements,... | 65 | 10K |
GjensidigeForsikringASA-AR_2019 | 218 | If excluded companies nonetheless appear in externally managed funds, the manager will be asked to explain the situation. Managers who are unable to provide a satisfactory explanation within a reasonable time or who fail to demonstrate willingness to satisfy Gjensidige’s Code of Conduct criteria will not be given new i... | 136 | annual_report |
1866 | 749 | As of December 31, 2001, six loans in the loan portfolio with a principal balance of $4.9 million were classified as delinquent and no loans were in foreclosure. As of the same date, only one loan aggregating $1.1 million, or 0.1%, of the loan portfolio (as measured by principal balance) was classified as restructured.... | 67 | 10K |
5862 | 1,165 | Call revenue is earned and recognized when a consumer transfers to a call buyer and remains engaged for a requisite duration of time, as specified by each buyer. | 28 | 10K |
gb_prudential-AR_2016 | 6,511 | (ii) Expected emergence of risk margin release and amortisation of transitional The 31 December 2016 Solvency II own funds included £2.5 billion of transitional relief (recalculated at the valuation date), the majority of which relates to UK annuity business in force on 1 January 2016, established to substantially miti... | 86 | annual_report |
DirectLineInsuranceGroupPLC-AR_2012 | 1,415 | In addition, the Committee has appointed FIT Remuneration Consultants LLP (“FIT”), signatories to the Remuneration Consultants Group’s Code of Conduct, as their independent adviser. FIT provided advice during the year on market practice, governance and incentive plan design. FIT does not provide any other services to t... | 87 | annual_report |
HannoverRueckSE-AR_2019 | 3,250 | Fair value of plan assets at 31 December of the financial year 47,759 39,989 | 14 | annual_report |
de_allianz-AR_2018 | 826 | Arrangements for termination of service including retirement are as follows: 1. Board members who were appointed before 1 January 2010, and who have served a minimum of five years, are eligible for a six-month transition payment after leaving the Board of Management. | 42 | annual_report |
4888 | 1,504 | PLC sponsors a 401(k) Plan which covers substantially all employees. Employee contributions are made on a before-tax basis as provided by Section 401(k) of the Internal Revenue Code or as after-tax “Roth” contributions. Employees may contribute up to 25% of their eligible annual compensation to the 401(k) Plan, limited... | 143 | 10K |
BaloiseHoldingLtd-AR_2013 | 2,283 | Derivative financial instruments for own account and at own risk 334.9 232.2 64.4 68.2 | 14 | annual_report |
de_allianz-AR_2011 | 1,328 | While current financial turbulence may primarily be driven by the european sovereign debt and banking crisis, the pressure on the insurance sector as a whole is increasing with regulation to become much more demanding for insurers. low interest rates primarily impact the life insurance sector (due to financial guarante... | 77 | annual_report |
AvivaPLC-AR_2002 | 448 | Change of name Following shareholders’ approval at last year’s Annual General Meeting, the Company changed its name from CGNU plc to Aviva plc on 1 July 2002. | 27 | annual_report |
5656 | 502 | As loss experience for the current year develops for each type of loss, the reserves for loss and LAE are monitored relative to initial assumptions until they are judged to have sufficient statistical credibility. From that point in time and forward, reserves are re-estimated using statistical actuarial processes to re... | 64 | 10K |
5594 | 1,419 | In addition to DAC and DSI, we also recognize an asset for VOBA. VOBA is an intangible asset which represents an adjustment to the stated value of acquired in-force insurance contract liabilities to present them at fair value, determined as of the acquisition date. VOBA is amortized over the expected life of the acquir... | 215 | 10K |
AssicurazioniGeneraliSpA-AR_2019 | 5,171 | · we have evaluated the appropriateness of accounting policies used and the reasonableness of accounting estimates and related disclosures made by the Directors; · we have concluded on the appropriateness of Directors’ use of the going concern basis of accounting and, based on the audit evidence obtained, whether a mat... | 179 | annual_report |
PhoenixGroupHoldingsPLC-AR_2011 | 541 | The Group’s approach to charitable donations is three-fold: an annual programme of staff fundraising events held at our offices; matched donations for employees participating in charitable activity and donations to selected causes. | 32 | annual_report |
2741 | 11,391 | The valuation allowance at December 31, 2005 and December 31, 2004 of $154.5 million and $68.6 million, respectively, relates to net operating loss carry forwards in Switzerland and Australia and net unrealized capital losses and realized capital loss carry forwards in the U.S. that may not be realized within a reasona... | 114 | 10K |
AssicurazioniGeneraliSpA-AR_2017 | 827 | As from 2011, the matter of the related-party transactions was ruled by the regulation approved by the Board of Directors within the “Guidelines for transaction with related parties”. Said guidelines, available in the Governance section of the Company’s website, constitutes the implementation of the regulations adopted... | 79 | annual_report |
4355 | 2,298 | · Changes in mix of insured vehicles (e.g., long-haul trucks versus local and smaller vehicles, or fleet risks versus non-fleet risks) | 21 | 10K |
3337 | 3,575 | Net realized investment gains/(losses) (pre-tax) amounted to $24.8 million in fiscal 2007, as compared to $(3.6 million) in fiscal 2006 and $75.0 million in fiscal 2005. The increase in 2007 was primarily attributable to gains on fixed maturities. The decrease in 2006 was primarily attributable to recorded losses on th... | 220 | 10K |
StorebrandASA-AR_2006 | 756 | This report should be read in conjunction with the information provided in the Report of the Board of Directors the consolidated accounts and notes to the accounts. Further information on the accounts and notes to the accounts for subsidiaries can be found in the subsidiaries’ annual reports. | 47 | annual_report |
4974 | 1,118 | Direct delivery expenses: All costs associated with our direct delivery of medical care are separately identified. | 16 | 10K |
1928 | 204 | As part of the process of preparing the Company's consolidated financial statements, management is required to estimate income taxes. The process involves estimating actual current tax expense along with assessing temporary differences resulting from differing treatment of items for book and tax purposes. These timing ... | 60 | 10K |
3413 | 707 | Reserves are closely monitored and are recomputed periodically using the most recent information on reported claims and a variety of actuarial techniques. Specifically, on a quarterly basis, we review, by line of business, existing reserves, new claims, changes to existing case reserves, and paid losses with respect to... | 201 | 10K |
3283 | 552 | majority of cash provided by financing activities in 2006 and 2005 resulted from the sale of our common stock and, to a much lesser degree, from the exercise of common stock options by our employees. In 2006, we received net proceeds of approximately $57.6 million from a follow-on public offering of 3,910,000 shares of... | 77 | 10K |
StorebrandASA-AR_2010 | 1,430 | the company’s standard tariff for group life insurance, both for life and disability cover, is based on the company’s own experience and was last amended in 2003. | 27 | annual_report |
4719 | 779 | As a distributor of insurance products, we derive our revenue primarily from commissions and fees paid by insurance companies, typically calculated as a percentage of premiums paid by our customers to the insurance companies. We generate revenue primarily through our sales force, which consists of individual sales agen... | 87 | 10K |
3366 | 888 | PMI’s loss ratio is the ratio of losses and LAE to premiums earned. The loss ratio increased in 2007 compared to 2006 as a result of higher losses and LAE, partially offset by higher premiums earned. The loss ratio remained flat in 2006 compared to 2005 as a result of higher premiums earned offset by higher losses and ... | 59 | 10K |
4377 | 668 | We own our principal office in Austin, Texas, consisting of an 80,000 square foot office building in addition to approximately one acre of land nearby that houses storage facilities. Approximately 50,000 square feet is occupied or reserved for our operations. We also own a training facility at Lake Buchanan, Texas. In ... | 67 | 10K |
4645 | 883 | In March 2011, the Company designated 1,500,000 shares of the Company’s preferred stock as Series A cumulative convertible preferred stock (“Series A Preferred”). | 23 | 10K |
4664 | 738 | The Separation resulted in a net distribution from the Company to TFAC of $151.4 million. In connection with such distribution, the Company assumed $22.1 million of accumulated other comprehensive loss, net of tax, which was primarily related to the Company’s assumption of the unfunded portion of the defined benefit pe... | 83 | 10K |
5036 | 1,159 | As of December 31, 2015, there were 339,897,547 shares of Loews common stock outstanding. Depending on market and other conditions, we may purchase our shares and shares of our subsidiaries outstanding common stock in the open market or otherwise. In 2015, we purchased 33.3 million shares of Loews common stock and 1.1 ... | 57 | 10K |
ASRNederlandNV-AR_2015 | 2,199 | Interest expenses incurred related to property developments were nil in 2015 and capitalized in previous years (2014: € 1 million; 2013: € 2 million) and included in property developments. | 29 | annual_report |
ScorSE-AR_2010 | 4,123 | In addition, and without calling into question the implementation of internal control rules by SCOR and its managers, General Management requests, within the framework of the reporting and quarterly consolidation procedure, that all local managers of Group entities, as well as Senior Managers of SCOR Global P&C and SCO... | 145 | annual_report |
INGGroepNV-AR_2002 | 1,808 | First appointment Supervisory Board ING Group: June 1998, following his retirement from the chairmanship of the Executive Board of ING | 20 | annual_report |
StorebrandASA-AR_2006 | 1,038 | Following a weak year in Norway in 2005 for new business in retail market equity funds (including unit linked), with a net outflow of NOK | 25 | annual_report |
HiscoxLtd-AR_2012 | 44 | In September, Hiscox conducted its fifth global employee engagement survey. Open to all permanent members of staff, it looks at how committed employees feel to Hiscox, their managers, their teams and their role. In 2012 our survey shows Hiscox enjoys high employee engagement as we average in the top 85th percentile whe... | 76 | annual_report |
ScorSE-AR_2013 | 3,988 | Share capital increase – exercise of stock options – 31 October 2012 - 113,322 - | 15 | annual_report |
5088 | 1,311 | priority level input that is significant to the fair value measurement of the instrument. Financial assets and liabilities recorded at fair value on the Balance Sheets are categorized as follows: | 30 | 10K |
GjensidigeForsikringASA-AR_2011 | 361 | In December 2011, the bank launched a new brand for consumer financing, Opp Finans, which is expected to attract more customers. The new brand is scheduled to be fully implemented during the first quarter of 2012. | 36 | annual_report |
4034 | 1,074 | We recorded noncontrolling interest in earnings of $41.8 million and $65.9 million for the years ended December 31, 2009 and 2008, respectively. Included within the December 31, 2008 noncontrolling interest balance of $65.9 million was $15.1 million of noncontrolling interest relating to the extraordinary gain of $50.3... | 76 | 10K |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2007 | 3,115 | Under the share buy-back programme decided on by the Munich Re Board of Management in the second quarter of 2007, we repurchased a further 3.4 million Munich Re shares with a volume of €444m after the balance sheet date up to 23 January 2008. | 44 | annual_report |
SwissReAG-AR_2017 | 2,110 | 3 “Why We Think Green Bonds Will Continue to Grow: A Primer”, Morgan Stanley, September 21, 2017 | 17 | annual_report |
AvivaPLC-AR_2009 | 242 | Poland and Spain. We also have a presence in the developing markets in Central and Eastern Europe of Czech Republic, | 20 | annual_report |
5532 | 768 | Effective January 1, 2018 and in accordance with the FASB guidance, the changes in fair value of our marketable equity securities are recognized in our results of operations within the net realized gains and losses on financial instruments. Prior to 2018, the unrealized gains or losses on our equity securities previous... | 123 | 10K |
gb_prudential-AR_2015 | 4,132 | Acquisition costs for Jackson’s variable annuity products are also amortised in line with the emergence of profits. The measurement of amortisation depends on historical and expected future gross profits which include fees (including those for guaranteed minimum death, income, or withdrawal benefits) as well as compone... | 52 | annual_report |
ScorSE-AR_2013 | 6,697 | Financial support for holidays (preferential rates for winter/summer holidays and excursions, discount vouchers for holiday-related spending, etc.). | 18 | annual_report |
794 | 119 | On January 20, 1998, the Board of Directors of Manulife asked the management of Manulife to prepare a plan for conversion of Manulife from a mutual life insurance company to an investor-owned, publicly-traded stock company. Any demutualization plan for Manulife is subject to the approval of the Manulife Board of Direct... | 58 | 10K |
fr_axa-AR_2016 | 6,970 | The change in reserves related to changes in fair value of available for sale fi nancial instruments included in shareholders’ equity as of December 31, 2016 and December 31, 2015 broke down as follows: (in Euro million) | 37 | annual_report |
4699 | 1,689 | While current factors and reasonably likely changes in variable factors are considered in estimating the liability for unpaid losses, there is no method or system that can eliminate the risk of actual ultimate results differing from such estimates. As shown in footnote (a) to the reserve development table (loss triangl... | 98 | 10K |
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