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StandardLifeAberdeenPLC-AR_2016
3,476
(a) Annuity sales practices relating to enhanced annuities As discussed in Note 40, at the request of the Financial Conduct Authority (FCA), Standard Life is conducting a past business review of non-advised annuity sales. The purpose of the review is to identify whether relevant customers received sufficient informatio...
147
annual_report
3552
1,360
XLFA’s Series B preferred Shares were created in conjunction with the establishment of the Asset Trust. The Series B Preferred Shares are non-cumulative redeemable perpetual preferred shares with a par value of $120 per share. The Series B Preferred Shares rank prior to XLFA’s common and Series A Redeemable Preferred S...
131
10K
4714
868
Aflac's investments in debt, perpetual and equity securities include both publicly issued and privately issued securities. For publicly issued securities, we determine the fair values from quoted market prices readily available from public exchange markets and price quotes and valuations from third party pricing vendor...
151
10K
gb_prudential-AR_2014
5,346
Although Prudential’s IT, compliance and other operational systems and processes incorporate controls designed to manage and mitigate the operational risks associated with its activities, there can be no assurance that such controls will always be effective. Due to human error, among other reasons, operational incident...
136
annual_report
4430
1,157
Other invested assets primarily include alternative investments in which TRH holds a 5% or greater interest or where TRH has more than a minor influence over operations of the investee and TRH's 40% interest in Kuwait Reinsurance Company (K.S.C.). Such investments are accounted for on the equity method. In applying the...
183
10K
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2013
358
Value added We use value added as a component of economic earnings for corporate management in property-casualty insurance and Munich Health. The respective value added (adjusted for random fluctuation for this purpose) is determined as follows: We explain how the additional available economic equity is calculated on p...
49
annual_report
NatwestGroupPLC-AR_2016
1,278
GAC or on its behalf by the Director of Finance (depending on the value of the engagement. Since Deloitte have been removed from independence requirements with these safeguards in place they have been engaged as follows: • to provide additional quality assurance over management’s assessment of the adequacy of SOX 404 c...
126
annual_report
DirectLineInsuranceGroupPLC-AR_2016
2,761
The table below analyses the Group’s assets and liabilities by reportable segment at 31 December 2016.
16
annual_report
4472
1,289
The RMBS had a gross unrealized loss greater than twelve months of $110.9 million as of December 31, 2010. These losses relate to a widening in spreads and defaults as a result of continued weakness in the residential housing market which have reduced the fair value of the RMBS holdings. Factors such as the credit enha...
79
10K
5532
1,164
Also in February 2017, we initiated our own litigation against Cigna in the Delaware Court seeking a temporary restraining order to enjoin Cigna from terminating the Cigna Merger Agreement, specific performance compelling Cigna to comply with the Cigna Merger Agreement and damages, which is captioned Anthem Inc. v. Cig...
105
10K
5619
668
The Company plans to adopt the standard as of January 1, 2019, the beginning of the fiscal year 2019. The Company estimates adoption of the standard will result in recognition of additional Right of Use (“ROU”) assets and operating liabilities as of January 1, 2019. The difference between these amounts will be recorded...
121
10K
3667
1,451
Equity in earnings (loss) of unconsolidated subsidiaries is derived from our investment interests in three private funds accounted for on the equity method. The funds primarily hold trading portfolios, and changes in the fair value of securities held by the fund are included in current earnings of the fund. The perform...
100
10K
de_allianz-AR_2006
2,646
Available-for-sale investments Available-for-sale investments are securities which are neither held to maturity nor have been acquired for sale in the near term; available-for-sale investments are shown at fair value on the balance sheet.
33
annual_report
2033
443
The methodology we employ in establishing IBNR reserves for a given reserving segment consists of a combination of the use of expected loss ratios ("ELRs") and loss development factor based methodologies ("LDFs"). The ELRs, when multiplied by earned premiums, generate an expected ultimate loss for a portfolio of busine...
151
10K
LloydsBankingGroupPLC-AR_2017
3,557
Available-for-sale financial assets 154 – 24,824 24,978 – 31,017 31 498 31,546 56,524 1 Assets regarded by the Group to be readily realisable in the normal course of business, to secure funding, meet collateral needs, or be sold to reduce potential future funding requirements, and are not subject to any restrictions on...
57
annual_report
de_allianz-AR_2008
4,702
Membership in other statutory supervisory boards and SE administrative councils in Germany BMW AG, Infineon
15
annual_report
3837
1,310
The table below is a reconciliation of the beginning and ending liability for unpaid losses and loss expenses, excluding policy benefits for life and annuity contracts, for the years ended December 31, 2008, 2007 and 2006 (in thousands of U.S. dollars):
41
10K
BaloiseHoldingLtd-AR_2007
2,315
Alternative fi nancial assets, such as private equity investments and hedge funds are mainly classifi ed as available for sale.
20
annual_report
3443
1,499
In September 2005, the Accounting Standards Executive Committee issued Statement of Position 05-1, Accounting by Insurance Enterprises for Deferred Acquisition Costs in Connection with Modifications or Exchanges of Insurance Contracts (SOP 05-1). SOP 05-1 provides guidance on accounting by insurance enterprises for def...
159
10K
2042
1,079
ASBESTOS LITIGATION SETTLEMENT CHARGE As more fully discussed under "Uncertainties - Asbestos and Environmental-related Reserves," AFC recorded a fourth quarter 2002 pretax charge of $30 million related to the settlement of asbestos-related coverage litigation.
34
10K
4911
4,290
In plaintiff’s proposed statement of claim, plaintiff alleged general and special damages of $500 million and punitive damages of $50 million plus prejudgment interest or such other sums as the Court finds appropriate. As of February 20, 2015, the Court has not determined whether it has jurisdiction or granted plaintif...
90
10K
PhoenixGroupHoldingsPLC-AR_2014
827
AUDIT COMMITTEE’S PERFORMANCE – Reviewed the Audit Committee’s performance, constitution and terms of reference, noting that all its duties had been addressed in accordance with its terms of reference, and that the Board would undertake its own review of the performance of the Board committees.
45
annual_report
fr_axa-AR_2014
1,640
Adjusted earnings increased by €30 million (+7%) to €441 million. On a constant exchange rate basis, adjusted earnings increased by €25 million (+6%) mainly driven by higher net realized capital gains on equities and private equity investments, partly offset by lower underlying earnings.
43
annual_report
5915
1,096
It is our policy to classify interest and penalties as income tax expense and to use the aggregate portfolio approach to release income tax effects from accumulated other comprehensive income.
30
10K
GjensidigeForsikringASA-AR_2014
803
Management of financial assets and properties The Group’s investment portfolio includes all investment funds in the Group, except for investment funds in the Pension and Savings and Retail Bank segments. The investment portfolio consists of two parts: a match portfolio and a free portfolio. The match portfolio is inten...
109
annual_report
INGGroepNV-AR_2020
6,851
— contains the information as required by Part 9 of Book 2 of the Dutch Civil Code.
17
annual_report
Sampoplc-AR_2019
408
There were 1,052 shareholders represented at the beginning of the meeting holding altogether 360,849,587 shares and 365,649,587 votes in the company.
21
annual_report
gb_prudential-AR_2016
5,129
Prudential Equity Release Mortgages Limited Ordinary shares 100.00% Laurence Pountney Hill, London EC4R 0HH, UK
15
annual_report
AdmiralGroupPLC-AR_2018
1,251
“ Admiral has a remuneration structure which reinforces our unique culture and creates strong alignment with our shareholders.”
18
annual_report
CNPAssurancesSA-AR_2012
144
OPTImIzING WEALTH mANAGEmENT véronique PoLGe-LeCLerCq, head of the wealth management section of the business development department
16
annual_report
4772
937
Premium and service revenues increased 37.0% in the year ended December 31, 2013 over the corresponding period in 2012 as a result of the Texas, Mississippi, Louisiana and Florida expansions, pharmacy carve-ins in Texas and Louisiana, the additions of the Kansas, Missouri, Washington, California and New Hampshire contr...
94
10K
2490
3,313
Expenses. Incurred loss and LAE increased by 26.6% to $3,291.1 million in 2004 from $2,600.2 million in 2003. The increase in incurred losses and LAE was principally attributable to the provision for estimated catastrophe losses from hurricanes Charley, Frances, Ivan and Jeanne, Pacific typhoons, the Asian tsunami and ...
84
10K
2257
257
REINSURANCE SUBJECTS US TO THE CREDIT RISK OF OUR REINSURERS AND MAY NOT BE ADEQUATE TO PROTECT US AGAINST LOSSES ARISING FROM CEDED INSURANCE The collectibility of reinsurance recoverables is subject to uncertainty arising from a number of factors, including whether insured losses meet the qualifying conditions of the...
71
10K
gb_prudential-AR_2006
1,772
Prudential’s main focus in 2006 was to ensure that its CR strategy continued to align with its business objectives and with its stakeholder concerns.
24
annual_report
3739
1,457
terrorism. Our predominant exposure under such coverage is to property damage. However, other risks, including business interruption and other non-property losses, may also be covered under our property catastrophe reinsurance contracts when arising from a covered peril. Our coverages are offered on either a worldwide ...
53
10K
ch_zurich_insurance_group-AR_2011
2,551
Table 26.3a in USD millionsRoll forward analysis for financial instruments classified under Level 3 – current period
17
annual_report
RSAInsuranceGroupPLC-AR_2017
453
A customer focused business Across Scandinavia, we benefit from brands with high public awareness and credibility. Our task is to ensure that our customer experience meets the expectations that come alongside this. We continue to adapt to our customers’ changing preferences and needs, whilst ensuring we run our operati...
60
annual_report
2197
1,246
Changes 2002 2001 -------------------------- 2003 Restated Restated 2003/02 2002/01 ------------ ------------ ------------ ------------- ------------
14
10K
2638
1,319
ACE understands that it has been named as a defendant in a derivative suit filed in Delaware Chancery Court by shareholders of Marsh. The derivative suit seeks to recover damages for Marsh and its subsidiary, Marsh, Inc., against officers and directors of Marsh, American International Group Inc. (AIG), AIG’s chief exec...
136
10K
1553
564
The Company rents showrooms, office space and certain equipment under operating lease agreements. The Company through its subsidiary, WC Holdings, leases a 70,000 square foot office building in Dublin, Ohio that is used as this subsidiary's principal office facilities. The lease for the building is for a term of 15 yea...
246
10K
LloydsBankingGroupPLC-AR_2014
134
In our Retail division, we provided £11.9 billion of lending to over 89,000 first-time buyers as well as 1 in 5 of all mortgage loans to customers buying their home in the UK in 2014, with total gross mortgage lending of £40 billion, 13 per cent higher than the prior year. We remain the largest participant in the UK go...
87
annual_report
gb_lloyds_banking_grp-AR_2011
1,269
The impairment charge reduced by £1,432 million, or 24 per cent, to £4,510 million due to reduced impairment charges in Ireland and Australia.
23
annual_report
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2009
2,198
Quantitative impacts of changes in assumptions on long-term insurance business Munich Re measures the sensitivity of its long-term insurance business in the segments life and health using an economic valuation on the basis of the Market consistent embedded Value principles and guidance of the cfo forum; cf. page 64 f. ...
72
annual_report
2801
960
During September 2004, we negotiated a new revolving loan agreement in which the maximum credit commitment available to us was reduced at our request to $2.0 million with built-in options to incrementally increase the maximum credit commitment up to $4.0 million over the next three years. We believe that this available...
216
10K
653
389
MARKETING, GENERAL AND ADMINISTRATIVE SUPPORT. In 1998, marketing, general and administrative expenses as a percentage of operating revenue are expected to decrease slightly from 1997. The Company expects to experience additional costs associated with the integration of FHP largely related to upgrading and converting i...
86
10K
HannoverRueckSE-AR_2010
2,933
From 1997 onwards it has been possible to obtain pension commitments through deferred compensation. Following the merger with Gerling-Konzern Lebensversicherungs-AG,
20
annual_report
StorebrandASA-AR_2017
3,825
Storebrand Livsforsikring AS acquired SPP Livförsäkring AB and its subsidiaries in 2007. The majority of the intangible assets associated with SPP
21
annual_report
DirectLineInsuranceGroupPLC-AR_2018
3,035
Net asset value The net asset value of the Group is calculated by subtracting total liabilities (including Tier 1 notes) from total assets.
23
annual_report
NatwestGroupPLC-AR_2010
1,850
The Group’s funding plan for 2011 incorporates these maturities along with other structural balance sheet changes.
16
annual_report
3563
1,649
Our expected ultimate losses during the year ended December 31, 2006 also included estimated gross and net losses of $5.2 million and $2.6 million related to damage caused by an oil pipeline in California which ruptured during a mudslide in the first quarter of 2005, for which the damage is covered by an insurance cont...
62
10K
3851
787
contract minimum guarantees net of, where applicable, the impact of any capital markets hedging activities related to these guarantees. We regularly evaluate and adjust the related DAC balance with a corresponding charge or credit to current period earnings for the effects of our actual gross profits and changes in our...
119
10K
5465
1,448
In the normal course of business, the Company seeks to reduce the losses that may arise from catastrophes or other events that cause unfavorable underwriting results by reinsuring certain levels of risk in various areas of exposure with other insurance enterprises or reinsurers. Reinsurance transactions are accounted f...
56
10K
1355
294
The amoritzed cost and aggregate fair value of debt securities at December 31, 1999, by contractual maturity, are as follows. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.
45
10K
LloydsBankingGroupPLC-AR_2018
681
This section of the strategic report constitutes Lloyds Banking Group's Non-Financial Information Statement, produced to comply with sections 414CA and 414CB of the Companies Act. The information listed is incorporated by cross-reference.
32
annual_report
PosteItalianeSpA-AR_2016
3,106
The company’s investments in the funds in question are reported at fair value (mainly level 2 of the fair value hierarchy), on the basis of the NAV reported from time to time by the fund manager. These investments were made in connection with Class I policies (Separately Managed Accounts) and, as such, any changes in f...
68
annual_report
AvivaPLC-AR_2019
5,125
Assets Under Management (AUM) and Assets Under Administration (AUA) AUM represent all assets managed or administered by or on behalf of the Group, including those assets managed by Aviva Investors and by third parties. AUM include managed assets that are reported within the Group’s statement of financial position and t...
71
annual_report
RSAInsuranceGroupPLC-AR_2012
223
Tax The tax charge was £128m and represents an effective rate of 27%.
13
annual_report
NatwestGroupPLC-AR_2009
4,837
HM Treasury has agreed to waive its statutory pre-emption rights arising out of the B shares and the Dividend Access Share in respect of any future issue of equity securities by the company other than B shares and has agreed to vote its B shares and the Dividend Access Share, as applicable, in favour of each special re...
104
annual_report
HelvetiaHoldingAG-AR_2016
1,757
Other changes in the “Level 3” total are the result of sales in the amount of CHF 31.0 million (previous year: CHF 3.5 million) and acquisitions in the amount of CHF 3.8 million (previous year: CHF 7.4 million).
38
annual_report
3983
849
As of December 31, 2009 and 2008, respectively, 71.4% and 92.7% of these securities were investment grade and 43.4% and 22.9% had fair values that were less than 20% below cost. The amount of the unrealized loss on these securities was primarily attributable to a widening of credit spreads since the time the securities...
56
10K
HiscoxLtd-AR_2016
614
Member of the Audit Committee Member of the Conflicts Committee Member of the Remuneration Committee Member of the Nominations Committee
20
annual_report
NatwestGroupPLC-AR_2010
2,880
Directors’ interests The interests of the directors in the shares of the company at 31 December 2010 are shown on page 264. None of the directors held an interest in the loan capital of the company or in the shares or loan capital of any of the subsidiary undertakings of the company, during the period from 1 January 20...
63
annual_report
1916
256
Vidler has almost completed the process of monetizing its water rights in Colorado, through sale or lease.
17
10K
4579
483
The increase in shareholders’ equity of $5,323,999 for the year ended December 31, 2012 is due to $1,786,267 of proceeds generated from the public stock offering (gross proceeds of $2,264,890 and offering expenses of $478,623), $3,084,446 of other comprehensive income, $1,101,881 of net income less $648,595 for purchas...
62
10K
PhoenixGroupHoldingsPLC-AR_2019
801
STRATEGIC RISK MANAGEMENT Strategic risks threaten the achievement of the Group strategy through poor strategic decisionmaking, implementation or response to changing circumstances� The Group recognises that core strategic activity brings with it exposure to strategic risk�
36
annual_report
4556
1,295
The change in the present value of the amount expected to be paid in the future for the contingent purchase price consideration was $0.3 million and $1.7 million for the years ended December 31, 2012 and 2011, respectively and was recorded as interest expense in the consolidated income statement. The Company utilized a...
81
10K
RaiffeisenBankInternationalAG-AR_2009
1,273
thereof foreign currency loans in per cent 62.6% 63.6% (1.0) PP
11
annual_report
HannoverRueckSE-AR_2005
958
Hannover Finance (Luxembourg) S.A., Luxembourg/Luxembourg 100.0 EUR 18 842 (19 089)
11
annual_report
DirectLineInsuranceGroupPLC-AR_2012
1,513
• Executive Directors are eligible to participate in the Group’s defined contribution pension arrangement or alternatively they may choose to receive a cash allowance in lieu of pension.
28
annual_report
3257
955
Ceded reinsurance payable increased to $44.8 million at December 31, 2006 from $35.7 million at December 31, 2005 and prepaid reinsurance premiums increased to $29.6 million at December 31, 2006 from $22.2 million at December 31, 2005 mainly as a result of additional ceded premiums in the energy class in the ocean mari...
86
10K
HannoverRueckSE-AR_2014
347
Even though the hurricane season in North America and the Caribbean again passed off thoroughly innocuously, the year under review still saw a number of natural catastrophe events. In Western Europe the heaviest losses were caused by storm Ela, with a net strain of EUR 49.1 million for Hannover Re’s account. These and ...
86
annual_report
HannoverRueckSE-AR_2018
1,003
Brexit: The terms of the United Kingdom’s withdrawal from the European Union have still not been determined. The possibility of the UK leaving the EU without an agreement continues to exist. The Hannover Re Group is prepared for this and all other scenarios and a Group-wide working group has been set up to address read...
56
annual_report
5323
848
In January 2016, MetLife, Inc. announced its plan to pursue the separation of a substantial portion of its U.S. retail business (the “Separation”). Additionally, on July 21, 2016, MetLife, Inc. announced that following the planned Separation, the separated business will be rebranded as Brighthouse Financial. On October...
157
10K
3802
602
A 10 percentage point increase or decrease in the loss factors actually utilized in the Company’s reserve determination at December 31, 2008 would increase or decrease gross loss reserves by approximately $17.2 million. On a net basis, a 10 percentage point increase in loss ratio would increase net loss reserves by app...
138
10K
859
236
An analysis of sales, maturities and principal repayments of the Company's fixed maturities portfolio is as follows:
17
10K
HannoverRueckSE-AR_2009
830
Within our central system of limits and thresholds key ratios have been specified for steering and monitoring the material risks of the Hannover Re Group – within the meaning of the materiality concept defined in the risk
37
annual_report
nl_ing_grp-AR_2011
1,543
Accounting policies for the consolidated annual accounts of ING Group continued 106 ING Group Annual Report 2011
17
annual_report
HelvetiaHoldingAG-AR_2017
719
Change in unrealised gains and losses recognised in equity – 37.9 4.2
12
annual_report
PosteItalianeSpA-AR_2017
191
1. These amounts include postal savings deposits, the mutual investment funds marketed, Poste Vita’s technical provisions and current account deposits. 2. The figure for 2016 does not include unaddressed mail. 3. Includes premium revenue before outward reinsurance premiums attributable to Poste Vita SpA and Poste Assic...
53
annual_report
5760
625
Operating income increased at a slower pace in 2019 compared to 2018 as growth in operating expenses outpaced the growth in operating revenues. Management fee revenue is based upon the management fee rate we charge and the direct and affiliated assumed premiums written by the Exchange. The management fee rate was 25% f...
165
10K
AvivaPLC-AR_2018
880
• Received assurance that governance structures remained appropriate for the businesses and the global markets in which we operate, while supporting the Group’s overall strategy and culture
27
annual_report
de_allianz-AR_2009
1,584
1) For further information on the development of these third-party assets please refer to page 134.
16
annual_report
4884
726
Based upon the strength of our franchise, diversification of our businesses, strong financial fundamentals including strong cash flows from operations, substantial short-term liquidity and additional liquid assets in our investment portfolio, as well as the substantial funding sources available to us, we continue to be...
94
10K
5374
1,189
At December 31, 2017 and 2016, the Company's insurance subsidiaries had $4.41 billion and $4.56 billion, respectively, of securities on deposit at financial institutions in certain states pursuant to the respective states' insurance regulatory requirements. Funds deposited with third parties to be used as collateral to...
163
10K
2335
917
Deterioration in the underlying collateral pools of other ABS investments during 2003 led to decreased expectations of future cash flows. As a result, additional losses of $66.3 million were realized on various ABS holdings, including CDOs. This deterioration in collateral pools primarily occurred in the first half of ...
186
10K
Sampoplc-AR_2020
629
Number of shares Shareholders, number Shareholders, % Shares, number Shares, %
11
annual_report
5278
837
Net premiums increased by $18.5 million, or 1.7%, and decreased by $35.9 million, or 3.1%, in 2016 and 2015, respectively. The increase in 2016 was primarily due to increased individual life and health premiums somewhat offset by unfavorable foreign currency exchange fluctuations. The decrease in 2015 was the result of...
144
10K
771
300
CONSOLIDATED STATEMENTS OF CASH FLOWS YEARS ENDED DECEMBER 31, 1997, 1996 AND 1995 (IN MILLIONS)
15
10K
5899
1,042
The following tables present the carrying value and fair value of the Company’s financial instruments disclosed, but not carried, at fair value, and the level within the fair value hierarchy at which such instruments are categorized:
36
10K
SwissReAG-AR_1998
502
The financial year was marked once again by a favourable trend on the capital markets.The investment result rose by 61% to CHF 2424 million. Net realised gains on the sale of investments climbed to CHF 2210 million and were accompanied by valuation adjustments of CHF 1359 million.To a large extent these include legally...
74
annual_report
gb_prudential-AR_2019
6,277
Expected period of conversion of future post-tax distributable earnings and required capital flows to free surplus 2019 total as shown above 1-5 years 6-10 years 11-15 years 16-20 years 21-40 years 40+ years
33
annual_report
152
146
Marketing, general and administrative expenses increased $115 million to $395 million for the year ended September 30, 1994 from $280 million for 1993. As a percentage of operating revenue, marketing, general and administrative expenses increased to 13.6 percent from 12.6 percent. These increases were primarily attribu...
70
10K
5493
2,301
Business Growth. The impact of deposits, funding agreement issuances and increased premiums in 2016 resulted in higher average invested assets, improving net investment income. However, consistent with the growth in average invested assets from increased premiums, interest credited on long-duration contracts increased....
103
10K
5886
408
At December 31, 2020, all of Equitable Financial common equity was owned by EFS. Consequently, there is no established public market for Equitable Financial’s common stock.
26
10K
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2014
2,039
Amortisation – – –9 –8 –239 –232 Impairment losses – – – – –96 –61
15
annual_report
fr_axa-AR_2016
9,732
Group’s proprietary General Account assets, this tool and research are also used to develop dedicated Responsible
16
annual_report
gb_lloyds_banking_grp-AR_2007
1,374
50 per cent of any award granted (the ‘TSR Award’) will be based on a condition measuring the Company’s TSR against the comparator group listed below. In order for the TSR Award to vest in full, it will be necessary for the Company’s TSR to exceed the median of the TSR of the comparator group by an average of 7.5 per c...
64
annual_report
SwissReAG-AR_2015
1,186
the Board of Directors may exclude or restrict the subscription rights of existing shareholders with respect to a maximum of CHF 3 500 000 through the issue of up to 35 000 000 registered shares, payable in full, each with a nominal value of CHF 0.10, out of the total amount of authorised capital. Such exclusion or res...
147
annual_report
975
309
INSpire is continuing its assessment of Year 2000 issues and taking steps to prevent these issues from adversely affecting its future operating results. This readiness process includes, but is not limited to, preparing an inventory of potential Year 2000 issues, determining functions affected, performing remediation as...
52
10K
1801
394
Approximately 94.8% of our bonds were of investment grade quality at December 31, 2001. In addition to the fixed maturities, we also had $74.6 million in cash and cash equivalents, and a $2.5 million revolver, at December 31, 2001. At December 31, 2001, there was no amount available for additional borrowings under the ...
76
10K