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Segment Information (Tables)
 12 Months Ended
Dec. 31, 2013
Reconciliation of Revenue and Operating Income from Segments to Consolidated
Following are the operating results for the years ended December 31:
 
  
2013
 
2012
 
2011
(millions)
Revenues

Pretax
Profit
(Loss)

 
Revenues

Pretax
Profit
(Loss)

 
Revenues

Pretax
Profit
(Loss)

Personal Lines
 
 
 
 
 
 
 
 
Agency
$
8,601.5

$
542.9

 
$
8,103.9

$
338.9

 
$
7,627.4

$
564.9

Direct
6,740.1

473.9

 
6,264.2

289.5

 
5,803.7

354.4

Total Personal Lines1 
15,341.6

1,016.8


14,368.1

628.4


13,431.1

919.3

Commercial Lines
1,761.6

114.1

 
1,649.0

86.3

 
1,467.1

133.5

Other indemnity
.2

(10.8
)
 
.9

(5.8
)
 
4.6

(5.5
)
Total underwriting operations
17,103.4

1,120.1

 
16,018.0

708.9

 
14,902.8

1,047.3

Fees and other revenues2 
291.8

NA

 
281.8

NA

 
266.5

NA

Service businesses
39.6

.8

 
36.1

0

 
22.8

3.4

Investments3 
740.4

721.6

 
749.8

734.4

 
582.6

569.1

Gains (losses) on extinguishment of debt
(4.3
)
(4.3
)
 
(1.8
)
(1.8
)
 
(.1
)
(.1
)
Interest expense
NA

(118.2
)
 
NA

(123.8
)
 
NA

(132.7
)
Consolidated total
$
18,170.9

$
1,720.0

 
$
17,083.9

$
1,317.7

 
$
15,774.6

$
1,487.0


1 Personal auto insurance accounted for 91% of the total Personal Lines segment net premiums earned in 2013, 2012, and 2011; insurance for our special lines products (e.g., motorcycles, ATVs, RVs, mobile homes, watercraft, and snowmobiles) accounted for the balance of the Personal Lines net premiums earned.
2 Pretax profit (loss) for fees and other revenues are allocated to operating segments.
3 Revenues represent recurring investment income and total net realized gains (losses) on securities; pretax profit is net of investment expenses.
NA = Not Applicable
Underwriting Margins and Combined Ratios for our Underwriting Operations
Following are the underwriting margins/combined ratios for our underwriting operations for the years ended December 31:
 
 
2013
 
2012
 
2011
  
Underwriting
Margin

Combined
Ratio
 
Underwriting
Margin

Combined
Ratio
 
Underwriting
Margin

Combined
Ratio
Personal Lines
 
 
 
 
 
 
 
 
Agency
6.3
%
93.7
 
4.2
%
95.8
 
7.4
%
92.6
Direct
7.0

93.0
 
4.6

95.4
 
6.1

93.9
Total Personal Lines
6.6

93.4
 
4.4

95.6
 
6.8

93.2
Commercial Lines
6.5

93.5
 
5.2

94.8
 
9.1

90.9
Other indemnity1 
            NM
NM
 
            NM
NM
 
            NM
NM
Total underwriting operations
6.5

93.5
 
4.4

95.6
 
7.0

93.0

1 Underwriting margins/combined ratios are not meaningful (NM) for our other indemnity businesses due to the low level of premiums earned by, and the variability of loss costs in, such businesses.