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2011 Annual Report
 Contents
 Financial Highlights
 Company Overview
 Letter to Shareholders
 Message from the Chairman
 Superior Customer Relationships
 Comments on Regulation G
 Senior Officers
 Board of Directors


Form 10-K: Part I
 Table of Contents
 Note on Forward-Looking Statements
 1. Business
 1A. Risk Factors
 1B. Unresolved Staff Comments
 2. Properties
 3. Legal Proceedings
 4. Mine Safety Disclosures


Part II
 5. Market for Registrant's Common Equity, Related Shareholder Matters and Issuer Repurchases of Equity Securities
 6. Selected Consolidated Financial Data
 7. Management's Discussion and Analysis of Financial Condition and Results of Operations
 7A. Quantitative and Qualitative Disclosures About Market Risk
 8. Financial Statements and Supplementary Data
 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure
 9A. Controls and Procedures
 9B. Other Information


Part III
 10. Directors, Executive Officers and Corporate Governance
 11. Executive Compensation
 12. Security Ownership of Certain Beneficial Owners and Management and Related Shareholder Matters
 13. Certain Relationships and Related Transactions, and Director Independence
 14. Principal Accountant Fees and Services


Part IV
 15. Exhibits and Financial Statement Schedules
 Signatures
 Index to Consolidated Financial Statements
 - Management's Report on Internal Control Over Financial Reporting
 - Reports of Independent Registered Public Accounting Firm
 - Consolidated Balance Sheets
 - Consolidated Statements of Operations
 - Consolidated Statements of Changes in Shareholders' Equity
 - Consolidated Statements of Comprehensive (Loss) Income
 - Consolidated Statements of Cash Flows
 - Notes to the Consolidated Financial Statements
 Index to Schedules to Consolidated Financial Statements
 - Report of Independent Registered Public Accounting Firm
 - Schedule I - Summary of Investments other than Investments in Related Parties
 - Schedule II - Condensed Financial Information of Registrant
 - Schedule III - Supplementary Insurance Information
 - Schedule IV - Reinsurance
 - Schedule VI - Supplementary Insurance Information Concerning Property-Casualty Insurance Operations
 Exhibits to Form 10-K


Financial and Investor Information




  
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