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Premium Deficiency Reserve
9 Months Ended
Sep. 30, 2015
Premium Deficiency Reserve [Abstract]  
Premium Deficiency Reserve
Premium Deficiency Reserve

The premium deficiency reserve reflects the present value of expected future losses and expenses that exceed the present value of expected future premiums and established loss reserves. Each quarter, we re-estimate the premium deficiency reserve on the remaining Wall Street bulk insurance in force. As of September 30, 2015, no premium deficiency was required, consistent with the period ended June 30, 2015.  The decrease in the premium deficiency reserve for the nine months ended September 30, 2015 was $24 million, and the decrease for the three and nine months ended September 30, 2014 was $6 million and $19 million, respectively.