We are in active discussions with regulators on several of these matters and are working diligently to resolve them. We have cooperated fully with the ongoing investigations and will continue to do so.

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As boomers approach retirement age, they want all kinds of flexibility.

219

Our excellent underwriting results for the quarter reflect our discipline and commitment to profitable growth. The quality of our products, technology and people has helped us deepen and expand our agency relationships across the country. Small commercial and personal lines have been successful at keeping customer retention high and generating new business.

168

In December, we reached a milestone for our company as we celebrated our 10-year anniversary as an independent publicly traded company on the New York Stock Exchange. Over the past decade, our shareholders have been well rewarded with a 16 percent compound annual total return that handily exceeds the performance of the Standard & Poor's 500.

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