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FORM 10-Q
UNITED STATES SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the quarterly period ended
September 30, 2022
☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
For the transition period from ______ to ______
Commission file number1-10816
mtg-20220930_g1.jpg
MGIC Investment Corporation
(Exact name of registrant as specified in its charter)
Wisconsin39-1486475
(State or other jurisdiction of incorporation or organization)(I.R.S. Employer Identification No.)
250 E. Kilbourn Avenue53202
Milwaukee,Wisconsin(Zip Code)
(Address of principal executive offices) 
(414)347-6480
(Registrant’s telephone number, including area code)

Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading SymbolName of each exchange on which registered
Common stockMTGNew York Stock Exchange

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. (Check one):
Large accelerated filer
☒

Accelerated filer ☐
Non-accelerated filer ☐
Smaller reporting company☐(Do not check if a smaller reporting company)
Emerging growth company☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). YES ☐ NO x

Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date: As of October 28, 2022, there were 297,025,490 shares of common stock of the registrant, par value $1.00 per share, outstanding.




Forward Looking and Other Statements

All statements in this report that address events, developments or results that we expect or anticipate may occur in the future are “forward looking statements.” Forward looking statements consist of statements that relate to matters other than historical fact. In most cases, forward looking statements may be identified by words such as “believe,” “anticipate” or “expect,” or words of similar import. The Risk Factors referred to in “Forward Looking Statements and Risk Factors – Location of Risk Factors” in Management’s Discussion and Analysis of Financial Condition and Results of Operations below, may cause our actual results to differ materially from the results contemplated by forward looking statements that we may make. We are not undertaking any obligation to update any forward looking statements or other statements we may make in this document even though these statements may be affected by events or circumstances occurring after the forward looking statements or other statements were made. Therefore no reader of this document should rely on these statements being current as of any time other than the time at which this document was filed with the Securities and Exchange Commission.

MGIC Investment Corporation - Q3 2022 | 2

MGIC INVESTMENT CORPORATION AND SUBSIDIARIES

FORM 10-Q

FOR THE QUARTER ENDED September 30, 2022
Table of contents
Page
Consolidated Balance Sheets - September 30, 2022 (Unaudited) and December 31, 2021
Consolidated Statements of Operations (Unaudited) - Three and Nine Months Ended September 30, 2022 and 2021
Consolidated Statements of Comprehensive Income (Unaudited) - Three and Nine Months Ended September 30, 2022 and 2021
Consolidated Statements of Shareholders’ Equity (Unaudited) - Three and Nine Months Ended September 30, 2022 and 2021
Consolidated Statements of Cash Flows (Unaudited) - Three and Nine Months Ended September 30, 2022 and 2021
Item 2Unregistered Sales of Equity Securities and Use of Proceeds
MGIC Investment Corporation - Q3 2022 | 3

Glossary of terms and acronyms
/ A
ARMs
Adjustable rate mortgages

ABS
Asset-backed securities

ASC
Accounting Standards Codification

Available Assets
Assets, as designated under the PMIERs, that are readily available to pay claims, and include the most liquid investments

/ B
Book or book year
A group of loans insured in a particular calendar year

BPMI
Borrower-paid mortgage insurance

/ C
CECL
Current expected credit losses covered under ASC 326

CFPB
Consumer Financial Protection Bureau

CLO
Collateralized loan obligations

CMBS
Commercial mortgage-backed securities

COVID-19 Pandemic
An outbreak of the novel coronavirus disease, later named COVID-19. The outbreak of COVID-19 was declared a pandemic by the World Health Organization and a national emergency in the United States in March 2020

CRT
Credit risk transfer. The transfer of a portion of mortgage credit risk to the private sector through different forms of transactions and structures

/ D
DAC
Deferred insurance policy acquisition costs

Debt-to-income (“DTI”) ratio
The ratio, expressed as a percentage, of a borrower’s total debt payments to gross income

Delinquent Loan
A loan that is past due on a mortgage payment. A delinquent loan is typically reported to us by servicers when the loan has missed two or more payments. A loan will continue to be reported as delinquent until it becomes current or a claim payment has been made. A delinquent loan is also referred to as a default

Delinquency Rate
The percentage of insured loans that are delinquent

Direct
Before giving effect to reinsurance

/ E
EPS
Earnings per share

/ F
Fannie Mae
Federal National Mortgage Association

FCRA
Fair Credit Reporting Act

FHA
Federal Housing Administration

FHFA
Federal Housing Finance Agency

FHLB
Federal Home Loan Bank of Chicago, of which MGIC is a member

FICO score
A measure of consumer credit risk provided by credit bureaus, typically produced from statistical models by Fair Isaac Corporation utilizing data collected by the credit bureaus

Freddie Mac
Federal Home Loan Mortgage Corporation

/ G
GAAP
Generally Accepted Accounting Principles in the United States

GSEs
Collectively, Fannie Mae and Freddie Mac

/ H
HAMP
Home Affordable Modification Program

HARP
Home Affordable Refinance Program
MGIC Investment Corporation - Q3 2022 | 4


Home Re Entities
Unaffiliated special purpose insurers domiciled in Bermuda that participate in our aggregate XOL Transactions through the ILN market.

Home Re Transactions
Excess-of-loss reinsurance transactions with the Home Re Entities

HOPA
Homeowners Protection Act

HUD
Housing and Urban Development

/ I
IBNR Reserves
Loss reserves established on loans we estimate are delinquent, but for which the delinquency has not been reported to us

IIF
Insurance in force, which for loans insured by us, is equal to the unpaid principal balance, as reported to us

ILN
Insurance-linked notes

/ L
LAE
Loss adjustment expenses, which includes the costs of settling claims, including legal and other expenses and general expenses of administering the claims settlement process.

Loan-to-value ("LTV") ratio
The ratio, expressed as a percentage, of the dollar amount of the first mortgage loan to the value of the property at the time the loan became insured and does not reflect subsequent housing price appreciation or depreciation. Subordinate mortgages may also be present.

Long-term debt:
5.75% Notes
5.75% Senior Notes

5.25% Notes
5.25% Senior Notes due on August 15, 2028, with interest payable semi-annually on February 15 and August 15 of each year

9% Debentures
9% Convertible Junior Subordinated Debentures due on April 1, 2063, with interest payable semi-annually on April 1 and October 1 of each year

FHLB Advance or the Advance
1.91% Fixed rate advance from the FHLB

Loss ratio
The ratio, expressed as a percentage, of the sum of net incurred losses and loss adjustment expenses to net premiums earned

Low down payment loans or mortgages
Loans with less than 20% down payments

LPMI
Lender-paid mortgage insurance

/ M
MBS
Mortgage-backed securities

MD&A
Management's discussion and analysis of financial condition and results of operations

MGIC
Mortgage Guaranty Insurance Corporation, a subsidiary of MGIC Investment Corporation

MAC
MGIC Assurance Corporation, a subsidiary of MGIC

Minimum Required Assets
The minimum amount of Available Assets that must be held under the PMIERs which is based on an insurer’s book of RIF and is calculated from tables of factors with several risk dimensions, reduced for credit given for risk ceded under reinsurance transactions, and subject to a floor of $400 million.

MPP
Minimum Policyholder Position, as required under certain state requirements. The “policyholder position” of a mortgage insurer is its net worth or surplus, contingency reserve and a portion of the reserves for unearned premiums

/ N
N/A
Not applicable for the period presented

NAIC
The National Association of Insurance Commissioners

NIW
New Insurance Written, is the aggregate original principal amount of the mortgages that are insured during a period

N/M
Data, or calculation, deemed not meaningful for the period presented

NPL
Non-performing loan, which is a delinquent loan, at any stage in its delinquency

MGIC Investment Corporation - Q3 2022 | 5

/ O
OCI
Office of the Commissioner of Insurance of the State of Wisconsin

/ P
Peak COVID-19 delinquencies
A delinquent loan reported to us in the second and third quarter of 2020

Persistency
The percentage of our insurance remaining in force from one year prior

PMI
Private Mortgage Insurance (as an industry or product type)

PMIERs
Private Mortgage Insurer Eligibility Requirements issued by each of Fannie Mae and Freddie Mac to set forth requirements that an approved insurer must meet and maintain to provide mortgage guaranty insurance on loans delivered to or acquired by Fannie Mae or Freddie Mac, as applicable.

Pre-COVID-19 delinquencies
A delinquent loan reported to us prior to the second quarter of 2020.

Premium Yield
The ratio of premium earned divided by the average IIF outstanding for the period measured

Premium Rate
The contractual rate charged for coverage under our insurance policies

Primary Insurance
Insurance that provides mortgage default protection on individual loans. Primary insurance may be written on a "flow" basis, in which loans are insured in individual, loan-by-loan transactions, or on a "bulk" basis, in which each loan in a portfolio of loans is individually insured in a single bulk transaction.

Profit Commission
Payments we receive from reinsurers under each of our quota share reinsurance transactions if the annual loss ratio is below levels specified in the quota share reinsurance transaction

/ Q
QSR Transaction
Quota share reinsurance transaction with a group of unaffiliated reinsurers

2015 QSR
Our QSR transaction that provides coverage on eligible NIW written prior to 2017

2017 QSR
Our QSR transaction that provided coverage on eligible NIW in 2017

2018 QSR
Our QSR transaction that provided coverage on eligible NIW in 2018

2019 QSR
Our QSR transaction that provides coverage on eligible NIW in 2019

2020 QSR
Our QSR transactions that provides coverage on eligible NIW in 2020

2021 QSR
Our QSR transactions that provides coverage on eligible NIW in 2021

2022 QSR
Our QSR transactions that provides coverage on eligible NIW in 2022

2023 QSR
Our QSR transactions that provides coverage on eligible NIW in 2023

Credit Union QSR
Our QSR transaction that provides coverage on eligible NIW from credit union institutions originated from April 1, 2020 through December 31, 2025

/ R
RESPA
Real Estate Settlement Procedures Act

RIF
Risk in force, which for an individual loan insured by us, is equal to the unpaid loan principal balance, as reported to us, multiplied by the insurance coverage percentage. RIF is sometimes referred to as exposure

Risk-to-capital
Under certain state regulations, the ratio of RIF, net of reinsurance and exposure on policies currently in default and for which loss reserves have been established, to the level of statutory capital


MGIC Investment Corporation - Q3 2022 | 6


RMBS
Residential mortgage-backed securities

/ S
State Capital Requirements
Under certain state regulations, the minimum amount of statutory capital relative to risk in force (or similar measure)

/ T
TILA
Truth in Lending Act

Traditional XOL Transaction
Excess-of-loss reinsurance transaction with a group of unaffiliated reinsurers that provides coverage on eligible NIW in 2022.

/ U
Underwriting expense ratio
The ratio, expressed as a percentage, of the underwriting and operating expenses, net and amortization of DAC of our combined insurance operations (which excludes underwriting and operating expenses of our non-insurance subsidiaries) to net premiums written

Underwriting profit
Net premiums earned minus net incurred losses and underwriting and operating expenses

USDA
U.S. Department of Agriculture

/ V
VA
U.S. Department of Veterans Affairs

VIE
Variable interest entity

/ X
XOL Transactions
Excess-of-loss reinsurance transactions executed through the Home Re Transactions and the Traditional XOL Transaction
MGIC Investment Corporation - Q3 2022 | 7

PART I. FINANCIAL INFORMATION
Item 1. Financial Statements
MGIC INVESTMENT CORPORATION AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS
(In thousands)NoteSeptember 30,
2022		December 31, 2021
(Unaudited)
ASSETS
Investment portfolio: 7 / 8
Fixed income, available-for-sale, at fair value (amortized cost 2022 - $5,970,459; 2021 - $6,397,658)$5,400,982 $6,587,581 
Equity securities, at fair value (cost 2022 - $16,006; 2021 - $15,838)13,885 16,068 
Other invested assets, at cost850 3,100 
Total investment portfolio5,415,717 6,606,749 
Cash and cash equivalents241,982 284,690 
Restricted cash and cash equivalents7,776 20,268 
Accrued investment income52,867 51,902 
Reinsurance recoverable on loss reserves446,384 66,905 
Reinsurance recoverable on paid losses4214 36,275 
Premiums receivable57,654 56,540 
Home office and equipment, net44,206 45,614 
Deferred insurance policy acquisition costs19,975 21,671 
Deferred income taxes, net122,228 — 
Other assets145,113 134,394 
Total assets$6,154,116 $7,325,008 
LIABILITIES AND SHAREHOLDERS’ EQUITY
Liabilities:
Loss reserves$603,370 $883,522 
Unearned premiums207,935 241,690 
Federal Home Loan Bank advance— 155,000 
Senior notes641,357 881,508 
Convertible junior subordinated debentures21,296 110,204 
Other liabilities140,097 191,702 
Total liabilities1,614,055 2,463,626 
Contingencies
Shareholders’ equity:
Common stock (one dollar par value, shares authorized 1,000,000; shares issued 2022 - 371,353; 2021 - 371,353; shares outstanding 2022 - 299,478; 2021 - 320,336)371,353 371,353 
Paid-in capital1,792,043 1,794,906 
Treasury stock at cost (shares 2022 - 71,875; 2021 - 51,017)(970,870)(675,265)
Accumulated other comprehensive income (loss), net of tax (495,525)119,697 
Retained earnings3,843,060 3,250,691 
Total shareholders’ equity4,540,061 4,861,382 
Total liabilities and shareholders’ equity$6,154,116 $7,325,008 
See accompanying notes to consolidated financial statements.
MGIC Investment Corporation - Q3 2022 | 8



MGIC INVESTMENT CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF OPERATIONS (Unaudited)
Three Months Ended September 30,Nine Months Ended September 30,
(In thousands, except per share data)Note2022202120222021
Revenues:
Premiums written:
Direct$279,317 $280,172 $830,646 $846,700 
Assumed2,205 2,477 6,291 6,810 
Ceded(39,215)(35,039)(107,644)(122,664)
Net premiums written242,307 247,610 729,293 730,846 
Decrease in unearned premiums, net9,804 7,234 33,755 30,582 
Net premiums earned252,111 254,844 763,048 761,428 
Investment income, net of expenses42,549 38,282 121,116 117,304 
Net gains (losses) on investments and other financial instruments
7/8
(3,258)612 (1)(8,776)5,773 (1)
Other revenue 1,397 2,008 (1)5,143 7,050 (1)
Total revenues292,799 295,746 880,531 891,555 
Losses and expenses:
Losses incurred, net(105,054)20,766 (223,426)89,566 
Amortization of deferred policy acquisition costs3,179 3,295 8,901 9,016 
Other underwriting and operating expenses, net58,475 53,942 166,656 155,763 
Loss on debt extinguishment11,632 — 40,130 — 
Interest expense10,300 18,011 38,673 53,993 
Total losses and expenses(21,468)96,014 30,934 308,338 
Income before tax314,267 199,732 849,597 583,217 
Provision for income tax64,642 41,755 175,691 122,168 
Net income$249,625 $157,977 $673,906 $461,049 
Earnings per share:
Basic$0.82 $0.47 $2.18 $1.36 
Diluted$0.81 $0.46 $2.15 $1.33 
Weighted average common shares outstanding - basic302,622 335,938 309,097 338,045 
Weighted average common shares outstanding - diluted307,194 353,557 315,029 355,481 
(1) Certain amounts have been reclassified to conform with the current year presentation

See accompanying notes to consolidated financial statements.

MGIC Investment Corporation - Q3 2022 | 9



MGIC INVESTMENT CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Unaudited)
Three Months Ended September 30,Nine Months Ended September 30,
(In thousands)Note2022202120222021
Net income$249,625 $157,977 $673,906 $461,049 
Other comprehensive income (loss), net of tax:
Change in unrealized investment gains and losses(153,615)(27,600)(599,933)(76,675)
Benefit plan adjustments(16,172)5,963 (15,289)7,499 
Other comprehensive income (loss), net of tax(169,787)(21,637)(615,222)(69,176)
Comprehensive income (loss)$79,838 $136,340 $58,684 $391,873 

See accompanying notes to consolidated financial statements.

MGIC Investment Corporation - Q3 2022 | 10



MGIC INVESTMENT CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (Unaudited)
Three Months Ended September 30,Nine Months Ended September 30,
(In thousands)Note2022202120222021
Common stock
Balance, beginning and end of period$371,353 $371,353 $371,353 $371,353 
Paid-in capital
Balance, beginning of period, as previously reported1,791,380 1,786,260 1,794,906 1,862,042 
Cumulative effect of debt with conversion options accounting standards update— — — (68,289)
Balance, beginning of the period, as adjusted1,791,380 1,786,260 1,794,906 1,793,753 
Reissuance of treasury stock, net under share-based compensation plans(2,670)(211)(20,537)(15,956)
Equity compensation3,333 3,825 17,674 12,077 
Balance, end of period1,792,043 1,789,874 1,792,043 1,789,874 
Treasury stock
Balance, beginning of period(887,959)(384,550)(675,265)(393,326)
Reissuance of treasury stock, net under share-based compensation plans1,400 103 10,579 8,879 
Repurchase of common stock(84,311)(150,000)(306,184)(150,000)
Balance, end of period(970,870)(534,447)(970,870)(534,447)
Accumulated other comprehensive income (loss)
Balance, beginning of period(325,738)169,282 119,697 216,821 
Other comprehensive income (loss), net of tax(169,787)(21,637)(615,222)(69,176)
Balance, end of period(495,525)147,645 (495,525)147,645 
Retained earnings
Balance, beginning of period, as previously reported3,623,983 2,972,362 3,250,691 2,642,096 
Cumulative effect of debt with conversion options accounting standards update— — — 68,289 
Balance, beginning of the period, as adjusted3,623,983 2,972,362 3,250,691 2,710,385 
Net income249,625 157,977 673,906 461,049 
Cash dividends(30,548)(27,344)(81,537)(68,439)
Balance, end of period3,843,060 3,102,995 3,843,060 3,102,995 
Total shareholders’ equity$4,540,061 $4,877,420 $4,540,061 $4,877,420 

See accompanying notes to consolidated financial statements.



MGIC Investment Corporation - Q3 2022 | 11


MGIC INVESTMENT CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS (Unaudited)
Nine Months Ended September 30,
(In thousands)20222021
Cash flows from operating activities:
Net income$673,906 $461,049 
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization42,826 49,820 
Deferred tax expense1,900 4,591 
Equity compensation17,674 12,077 (1)
Loss on debt extinguishment40,130 — 
Net (gains) losses on investments and other financial instruments8,776 (5,773)(1)
Change in certain assets and liabilities:
Accrued investment income(965)(3,598)
Reinsurance recoverable on loss reserves20,521 (11,987)
Reinsurance recoverable on paid losses36,061 143 
Premium receivable(1,114)(344)
Deferred insurance policy acquisition costs1,696 (723)
Profit commission receivable(1,497)(18,564)
Loss reserves(280,152)52,372 
Unearned premiums(33,755)(30,582)
Return premium accrual(9,200)7,200 
Current income taxes3,140 5,453 
Other, net(36,154)(8,724)(1)
Net cash provided by (used in) operating activities483,793 512,410 
Cash flows from investing activities:
Purchases of investments(544,224)(1,335,569)
Proceeds from sales of investments391,394 239,483 
Proceeds from maturity of fixed income securities536,194 700,301 
Additions to property and equipment(2,402)(2,388)
Net cash provided by (used in) investing activities380,962 (398,173)
Cash flows from financing activities:
Purchase of convertible junior subordinated debentures(88,908)— 
Redemption of 5.75% senior notes(242,296)— 
Repayment of FHLB Advance(155,000)— 
Cash portion of loss on debt extinguishment(39,445)— 
Repurchase of common stock(303,060)(150,000)
Dividends paid(81,288)(68,276)
Payment of withholding taxes related to share-based compensation net share settlement(9,958)(6,729)
Net cash provided by (used in) financing activities(919,955)(225,005)
Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents(55,200)(110,768)
Cash and cash equivalents and restricted cash and cash equivalents at beginning of period304,958 296,680 
Cash and cash equivalents and restricted cash and cash equivalents at end of period$249,758 $185,912 
(1) Amounts have been reclassified to conform to the current year presentation
See accompanying notes to consolidated financial statements.

MGIC Investment Corporation - Q3 2022 | 12

MGIC INVESTMENT CORPORATION AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
September 30, 2022
(Unaudited)

Note 1. Nature of Business and Basis of Presentation
MGIC Investment Corporation is a holding company which, through Mortgage Guaranty Insurance Corporation (“MGIC”), is principally engaged in the mortgage insurance business. We provide mortgage insurance to lenders throughout the United States and to government sponsored entities to protect against loss from defaults on low down payment residential mortgage loans. MGIC Assurance Corporation (“MAC”) and MGIC Indemnity Corporation (“MIC”), insurance subsidiaries of MGIC, provide insurance for certain mortgages under Fannie Mae and Freddie Mac (the “GSEs”) credit risk transfer programs.

The accompanying unaudited consolidated financial statements of MGIC Investment Corporation and its wholly-owned subsidiaries have been prepared in accordance with the instructions to Form 10-Q as prescribed by the Securities and Exchange Commission (“SEC”) for interim reporting and do not include all of the other information and disclosures required by accounting principles generally accepted in the United States of America (“GAAP”). These statements should be read in conjunction with the consolidated financial statements and notes thereto for the year ended December 31, 2021 included in our 2021 Annual Report on Form 10-K. As used below, “we,” “our” and “us” refer to MGIC Investment Corporation’s consolidated operations or to MGIC Investment Corporation, as the context requires.

In the opinion of management, the accompanying financial statements include all adjustments, consisting primarily of normal recurring accruals, necessary to fairly state our consolidated financial position and consolidated results of operations for the periods indicated. The consolidated results of operations for an interim period are not necessarily indicative of the results that may be expected for the year ending December 31, 2022.

The substantial majority of our NIW has been for loans purchased by the GSEs. The current private mortgage insurer eligibility requirements ("PMIERs") of the GSEs include financial requirements, as well as business, quality control and certain transactional approval requirements. The financial requirements of the PMIERs require a mortgage insurer’s "Available Assets" (generally only the most liquid assets of an insurer) to equal or exceed its "Minimum Required Assets" (which are based on an insurer's book of risk in force, calculated from tables of factors with several risk dimensions). Based on our application of the PMIERs, as of September 30, 2022, MGIC’s Available Assets are in excess of its Minimum Required Assets; and MGIC is in compliance with the PMIERs and eligible to insure loans purchased by the GSEs.

Reclassifications
Certain prior period amounts have been reclassified to conform to the current year presentation.

Subsequent events
We have considered subsequent events through the date of this filing.


Note 2. Significant Accounting Policies
Taxes
The Inflation Reduction Act of 2022 includes provisions for a 1% excise tax on net stock repurchases and a 15% corporate minimum tax. Both of these taxes are effective in 2023. We do not expect these tax provisions to have a material impact on our Consolidated Financial Statements.

Prospective Accounting Standards
Table 2.1 shows the relevant new amendments to accounting standards, which are not yet effective or adopted.
Standard / Interpretation
Table
2.1
Amended StandardsEffective date
ASC 944Long-Duration Contracts
•ASU 2018-12 - Financial Services - Insurance (Topic 944): Targeted Improvements to the Accounting for Long-Duration ContractsJanuary 1, 2023
Targeted Improvements for Long Duration Contracts: ASU 2018-12
In August 2018, the Financial Accounting Standards Board (“FASB”) issued guidance which simplifies the amortization of deferred insurance policy acquisition costs. It also provides updates to the recognition, measurement, presentation and disclosure requirements for long duration contracts, which generally do not apply to mortgage insurance. The updated guidance requires deferred acquisition costs to be amortized on a constant level basis over the expected term of the related contracts, versus in proportion to premium, gross profits, or gross margins. In November 2020, FASB issued ASU 2020-11 deferring the effective date, so that it applies for annual periods beginning after December 15, 2022, including interim periods within those annual periods. We are currently evaluating the impacts the adoption of this guidance will have on our consolidated financial statements, but do not expect it to have a material impact.




MGIC Investment Corporation - Q3 2022 | 13

Note 3. Debt
Debt obligations
The aggregate carrying values of our long-term debt obligations and their par values, if different, as of September 30, 2022 and December 31, 2021 are presented in table 3.1 below.
Long-term debt obligations
Table
3.1
(In millions)September 30, 2022December 31, 2021
FHLB Advance - 1.91%, due February 2023$— $155.0 
5.75% Notes, due August 2023— 241.3 
5.25% Notes, due August 2028 (par value: $650 million)641.4 640.2 
9% Debentures, due April 2063 (1)
21.3 110.2 
Long-term debt, carrying value$662.7 $1,146.7 
(1)Convertible at any time prior to maturity at the holder’s option, at a conversion rate, which is subject to adjustment, of 76.5496 shares per $1,000 principal amount, representing a conversion price of approximately $13.06 per share. The payment of dividends by our holding company results in adjustments to the conversion rate, with such adjustments generally deferred until the end of the year.

The 5.25% Senior Notes (5.25% Notes) and 9% Convertible Junior Subordinated Debentures (“9% Debentures”) are obligations of our holding company, MGIC Investment Corporation.

During the nine months ending September 30, 2022, we repurchased $88.9 million in aggregate principal amount of our 9% Debentures at a purchase price of $120.9 million plus accrued interest. The repurchase of our 9% Debentures resulted in a $32.0 million loss on debt extinguishment on our consolidated statement of operations and a reduction of approximately 6.8 million potentially dilutive shares.

The Federal Home Loan Bank Advance (the “FHLB Advance”) was an obligation of MGIC. In the first quarter of 2022, we repaid the outstanding principal balance of the FHLB Advance at a prepayment price of $156.3 million, incurring a prepayment fee of $1.3 million.

In July 2022, we redeemed the outstanding principal balance of the 5.75% Senior Notes (“5.75% Notes”) at a purchase price of $248.4 million plus accrued interest. The excess of the purchase price over the carrying value, plus the write-off of unamortized issuance costs on the par value, resulted in a $6.8 million loss on debt extinguishment. The 5.75% Notes were an obligation of our holding company.

See Note 7 - “Debt” in our Annual Report on Form 10-K for the year ended December 31, 2021 for additional information pertaining to our debt obligations. As of September 30, 2022 we are in compliance with all of our debt covenants.

Interest payments
Interest payments for the nine months ended September 30, 2022 and 2021 were $52.7 million and $60.0 million, respectively.


MGIC Investment Corporation - Q3 2022 | 14

Note 4. Reinsurance
The reinsurance agreements to which we are a party, are discussed below. The effect of all of our reinsurance agreements on premiums earned and losses incurred is shown in table 4.1 below.
Reinsurance
Table
4.1
 Three Months Ended September 30,Nine Months Ended September 30,
(In thousands)2022202120222021
Premiums earned:
Direct$289,072 $287,223 $864,191 $876,541 
Assumed 2,254 2,660 6,501 7,551 
Ceded - quota share reinsurance (1)
(19,348)(22,911)(56,721)(90,284)
Ceded - excess-of-loss reinsurance(19,867)(12,128)(50,923)(32,380)
Total ceded(39,215)(35,039)(107,644)(122,664)
Net premiums earned$252,111 $254,844 $763,048 $761,428 
Losses incurred:
Direct$(112,435)$17,265 $(242,861)$103,319 
Assumed21 (97)(340)(43)
Ceded - quota share reinsurance7,360 3,598 19,775 (13,710)
Losses incurred, net$(105,054)$20,766 $(223,426)$89,566 
Other Reinsurance Impacts:
Profit commission on quota share reinsurance (1)
$47,255 $45,078 $135,049 $108,000 
Ceding commission on quota share reinsurance13,321 13,599 38,355 39,657 
(1)Ceded premiums earned net of profit commission.

Ceded losses incurred for the three and nine months ended September 30, 2022 primarily reflects favorable loss reserve development. See Note 11 - “Loss Reserves” for discussion of our loss reserves.
Quota share reinsurance
We have entered into quota share reinsurance ("QSR") transactions with panels of third-party reinsurers to cede a fixed quota share percentage of premiums earned and received and losses incurred on insurance covered by the transactions. We receive the benefit of a ceding commission equal to 20% of premiums ceded before profit commission. We also receive the benefit of a profit commission through a reduction of premiums we cede. The profit commission varies inversely with the level of losses on a “dollar for dollar” basis and can be eliminated at annual loss ratios higher than we have experienced on our QSR Transactions.

Each of our QSR Transactions typically have annual loss ratio caps of 300% and lifetime loss ratios of 200%.

Table 4.2 below provides additional detail regarding our QSR Transactions.

Quota Share Reinsurance
Table4.2
Quota Share ContractCovered Policy YearsQuota Share %
Annual Loss Ratio to Exhaust Profit Commission (1)
Contractual Termination Date
2015 QSRPrior to 201715.0 %68.0 %December 31, 2031
2019 QSR201930.0 %62.0 %December 31, 2030
2020 QSR 202012.5 %62.0 %December 31, 2031
2020 QSR and 2021 QSR202017.5 %62.0 %December 31, 2032
2020 QSR and 2021 QSR202117.5 %61.9 %December 31, 2032
2021 QSR and 2022 QSR202112.5 %57.5 %December 31, 2032
2021 QSR and 2022 QSR202215.0 %57.5 %December 31, 2033
2022 QSR and 2023 QSR202215.0 %62.0 %December 31, 2033
2022 QSR and 2023 QSR202315.0 %62.0 %December 31, 2034
Credit Union QSR (2)
2020-202565.0 %50.0 %December 31, 2039
(1) We will receive a profit commission provided the annual loss ratio on policies covered under the transaction remains below this ratio.
(2) Eligible credit union business written before April 1, 2020 was covered by our 2019 and 2015 QSR Transactions.

MGIC Investment Corporation - Q3 2022 | 15

We can elect to terminate the QSR Transactions under specified scenarios without penalty upon prior written notice, including if we will receive less than 90% (80% for the Credit Union QSR Transaction) of the full credit amount under the PMIERs, full financial statement credit or full credit under applicable regulatory capital requirements for the risk ceded in any required calculation period.
Table 4.3 provides additional detail regarding optional termination dates and optional reductions to our quota share percentage which can, in each case, be elected by us for a fee. Under the optional reduction to the quota share percentage, we may reduce our quota share percentage from the original percentage shown in table 4.2 to the percentage shown in table 4.3.

Quota Share Reinsurance
Table4.3
Quota Share ContractCovered Policy Years
Optional Termination Date (1)
Optional Quota Share % Reduction Date (2)
Optional Reduced Quota Share %
2015 QSRPrior to 2017December 31, 2022NANA
2019 QSR2019December 31, 2022January 1, 202325% or 20%
2020 QSR 2020December 31, 2022January 1, 202310.5% or 8%
2020 QSR and 2021 QSR2020December 31, 2022January 1, 202314.5% or 12%
2020 QSR and 2021 QSR2021December 31, 2023January 1, 202314.5% or 12%
2021 QSR and 2022 QSR2021December 31, 2023January 1, 202310.5% or 8%
2021 QSR and 2022 QSR2022December 31, 2024July 1, 202312.5% or 10%
2022 QSR and 2023 QSR2022December 31, 2024July 1, 202312.5% or 10%
2022 QSR and 2023 QSR2023December 31, 2025July 1, 202412.5% or 10%
(1) We can elect early termination of the QSR Transaction beginning on this date, and bi-annually thereafter.
(2) We can elect to reduce the quota share percentage beginning on this date, and bi-annually thereafter.


We have elected to terminate our 2015 QSR and 2019 QSR Transactions effective December 31, 2022. See Note 9 “Reinsurance” in our Annual Report on Form 10-K for the year ended December 31, 2021 for information about the termination of our 2017 and 2018 QSR Transactions, which resulted in a reinsurance recoverable on paid losses of $36 million for loss and loss adjustment expenses (“LAE”) reserves incurred at the time of termination.
Under the terms of our QSR Transactions, ceded premiums earned, ceding commissions, profit commission, and ceded paid loss and LAE are settled net on a quarterly basis. The ceded premiums earned due after deducting the related ceding commission and profit commission is reported within Other liabilities on the consolidated balance sheets.

The reinsurance recoverable on loss reserves related to our QSR Transactions was $46.4 million as of September 30, 2022 and $66.9 million as of December 31, 2021. The reinsurance recoverable balance is secured by funds on deposit from reinsurers, the minimum amount of which is based on the greater of 1) a reinsurer's funding requirements under PMIERs or 2) ceded reserves and unpaid losses. Each of the reinsurers under our quota share reinsurance agreements described above has an insurer financial strength rating of A- or better (or a comparable rating) by Standard and Poor's Rating Services, A.M. Best, Moody's, or a combination of the three.

Excess of loss reinsurance
We have Excess-of-loss transactions (“XOL Transactions”) with a panel of unaffiliated reinsurers executed through the traditional reinsurance market (“Traditional XOL Transaction”) and with unaffiliated special purpose insurers (“Home Re Transactions”).

The Traditional XOL Transaction provides up to $175 million of reinsurance coverage on eligible NIW in 2022. The Traditional XOL Transaction has a contractual termination date after approximately ten years, with an optional termination date after seven years and quarterly thereafter. For the covered policies, we retain the first layer of the aggregate losses paid, and the reinsurers will then provide second layer coverage up to the outstanding reinsurance coverage amount. We retain losses paid in excess of the outstanding reinsurance coverage amount. The reinsurance coverage is subject to adjustment based on the risk characteristics of the covered loans. The reinsurance premiums ceded to the Traditional XOL Transaction are based off the remaining reinsurance coverage levels. The reinsured coverage levels are secured by funds on deposit from reinsurers, the minimum amount of which is based on the greater of 1) a reinsurer's funding requirements under PMIERs or 2) ceded reserves and unpaid losses.

The Home Re Transactions are executed with unaffiliated special purpose insurers (“Home Re Entities”). For the reinsurance coverage periods, we retain the first layer of the respective aggregate losses paid, and a Home Re Entity will then provide second layer coverage up to the outstanding reinsurance coverage amount. We retain losses paid in excess of the outstanding reinsurance coverage amount. Subject to certain conditions, the reinsurance coverage decreases over a period of either 10 or 12.5 years, depending on the transaction, as the underlying covered mortgages amortize or are repaid, or mortgage insurance losses are paid.


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The Home Re Entities financed the coverages by issuing mortgage insurance-linked notes (“ILNs”) to unaffiliated investors in an aggregate amount equal to the initial reinsurance coverage amounts. Each ILN is non-recourse to any assets of MGIC or affiliates. The proceeds of the ILNs, which were deposited into reinsurance trusts for the benefit of MGIC, will be the source of reinsurance claim payments to MGIC and principal repayments on the ILNs.

When a “Trigger Event” is in effect, as defined in the related insurance-linked notes transaction agreements, payment of principal on the related notes will be suspended and the reinsurance coverage available to MGIC under the transactions will not be reduced by such principal payments. As of September 30, 2022 a "Trigger Event" has occurred on our Home Re 2019-1 ILN transaction because the reinsured principal balance of loans that were reported 60 or more days delinquent exceeded a percentage of the total reinsured principal balance of loans specified under each transaction. A "Trigger Event" has also occurred on the Home Re 2022-1 ILN transactions because the credit enhancement of the most senior tranche is less than the target credit enhancement.

Tables 4.4a and 4.4b provide a summary of our Home Re Transactions as of September 30, 2022 and December 31, 2021.

Excess of Loss Reinsurance - Home Re Transactions
4.4a
($ in thousands)Issue DatePolicy In force DatesOptional Call Date (1)Legal MaturityInitial First Layer RetentionInitial Excess of Loss Reinsurance Coverage
Home Re 2022-1, Ltd.April 26, 2022May 29, 2021 - December 31, 2021April 25, 202812.5 years$325,589$473,575
Home Re 2021-2, Ltd.August 3, 2021January 1, 2021 - May 28, 2021July 25, 202812.5 years190,159398,429
Home Re 2021-1, Ltd.February 2, 2021August 1, 2020 - December 31, 2020January 25, 202812.5 years211,159398,848
Home Re 2020-1, Ltd.October 29, 2020January 1, 2020 - July 31, 2020October 25, 202710 years275,283412,917
Home Re 2019-1, Ltd.May 25, 2019January 1, 2018 - March 31, 2019May 25, 202610 years185,730315,739
Home Re 2018-1, Ltd.October 30, 2018July 1, 2016 - December 31, 2017October 25, 202510 years168,691318,636
(1) We have the right to terminate the Home Re Transactions under certain circumstances and on any payment date on or after the respective Optional Call Date.
4.4bRemaining First Layer RetentionRemaining Excess of Loss Reinsurance Coverage
($ in thousands)
September 30, 2022
December 31, 2021
September 30, 2022
December 31, 2021
Home Re 2022-1, Ltd.$325,589 $— $473,575 $— 
Home Re 2021-2, Ltd.190,135 190,159 367,702 398,429 
Home Re 2021-1, Ltd.211,117 211,142 306,243 387,830 
Home Re 2020-1, Ltd.275,154 275,204 133,120 234,312 
Home Re 2019-1, Ltd.183,691 183,917 208,146 208,146 
Home Re 2018-1, Ltd.165,028 165,365 162,305 218,343 




MGIC Investment Corporation - Q3 2022 | 17

The reinsurance premiums ceded to each Home Re Entity are composed of coverage, initial expense and supplemental premiums. The coverage premiums are generally calculated as the difference between the amount of interest payable by the Home Re Entity on the remaining reinsurance coverage levels, and the investment income collected on the collateral assets held in a reinsurance trust account and used to collateralize the Home Re Entity’s reinsurance obligation to MGIC. The amount of monthly reinsurance coverage premium ceded on the Home Re Transactions will fluctuate due to changes in the reference rate and changes in money market rates that affect investment income collected on the assets in the reinsurance trust. The Home Re 2021-2 and Home Re 2022-1 Transactions reference SOFR, while the remaining Home Re Transactions reference one-month LIBOR. As a result, we concluded that each Home Re Transaction contains an embedded derivative that is accounted for separately as a freestanding derivative. The fair values of the derivatives at September 30, 2022, were not material to our consolidated balance sheet and the changes in fair value during the three and nine months ended September 30, 2022 were not material to our consolidated statements of operations. (See Note 7 - “Investments” and Note 8 - “Fair Value Measurements”.)

At the time the Home Re Transactions were entered into, we concluded that each Home Re Entity is a variable interest entity (“VIE”). A VIE is a legal entity that does not have sufficient equity at risk to finance its activities without additional subordinated financial support or is structured such that equity investors lack the ability to make sufficient decisions relating to the entity’s operations through voting rights or do not substantively participate in gains and losses of the entity. Given that MGIC (1) does not have the unilateral power to direct the activities that most significantly affect each Home Re Entity’s economic performance and (2) does not have the obligation to absorb losses or the right to receive benefits of each Home Re Entity that could be significant to the Home Re Entity, consolidation of the Home Re Entities is not required.

We are required to disclose our maximum exposure to loss, which we consider to be an amount that we could be required to record in our statements of operations, as a result of our involvement with the VIEs under our Home Re Transactions. As of September 30, 2022, and December 31, 2021, we did not have material exposure to the VIEs as we have no investment in the VIEs and had no reinsurance claim payments due from the VIEs under our reinsurance transactions. We are unable to determine the timing or extent of claims from losses that are ceded under the reinsurance transactions. The VIE assets are deposited in reinsurance trusts for the benefit of MGIC that will be the source of reinsurance claim payments to MGIC. The purpose of the reinsurance trusts is to provide security to MGIC for the obligations of the VIEs under the reinsurance transactions. The trustee of the reinsurance trusts, a recognized provider of corporate trust services, has established segregated accounts within the reinsurance trusts for the benefit of MGIC, pursuant to the trust agreements. The trust agreements are governed by, and construed in accordance with, the laws of the State of New York. If the trustee of the reinsurance trusts failed to distribute claim payments to us as provided in the reinsurance trusts, we would incur a loss related to our losses ceded under the reinsurance transactions and deemed unrecoverable. We are also unable to determine the impact such possible failure by the trustee to perform pursuant to the reinsurance trust agreements may have on our consolidated financial statements. As a result, we are unable to quantify our maximum exposure to loss related to our
involvement with the VIEs. MGIC has certain termination rights under the reinsurance transactions should its claims not be paid. We consider our exposure to loss from our reinsurance transactions with the VIEs to be remote.

Table 4.5 presents the total assets of the Home Re Entities as of September 30, 2022 and December 31, 2021.
Home Re total assets
Table4.5
(In thousands)
Home Re EntityTotal VIE Assets
September 30, 2022
Home Re 2022-1 Ltd.$473,575 
Home Re 2021-2 Ltd.372,715 
Home Re 2021-1 Ltd.317,891 
Home Re 2020-1 Ltd.141,508 
Home Re 2019-1 Ltd.208,146 
Home Re 2018-1 Ltd.169,157 
December 31, 2021
Home Re 2021-2 Ltd.$398,429 
Home Re 2021-1 Ltd.398,848 
Home Re 2020-1 Ltd.251,387 
Home Re 2019-1 Ltd.208,146 
Home Re 2018-1 Ltd.218,343 

The reinsurance trust agreements provide that the trust assets may generally only be invested in certain money market funds that (i) invest at least 99.5% of their total assets in cash or direct U.S. federal government obligations, such as U.S. Treasury bills, as well as other short-term securities backed by the full faith and credit of the U.S. federal government or issued by an agency of the U.S. federal government, (ii) have a principal stability fund rating of “AAAm” by S&P or a money market fund rating of “Aaamf” by Moody’s as of the Closing Date and thereafter maintain any rating with either S&P or Moody’s, and (iii) are permitted investments under the applicable credit for reinsurance laws and applicable PMIERs credit for reinsurance requirements.

The total calculated PMIERs credit for risk ceded under our XOL Transactions are generally based on the PMIERs requirement of the covered policies and the attachment and detachment points of the coverage, all of which fluctuate over time. (See Note 1 - “Nature of Business and Basis of Presentation”.)


MGIC Investment Corporation - Q3 2022 | 18


Note 5. Litigation and Contingencies
Before paying an insurance claim, generally we review the loan and servicing files to determine the appropriateness of the claim amount. When reviewing the files, we may determine that we have the right to rescind coverage or deny a claim on the loan (both referred to herein as “rescissions”). In addition, our insurance policies generally provide that we can reduce a claim if the servicer did not comply with its obligations under our insurance policy (such reduction referred to as a “curtailment”). When the insured disputes our right to rescind coverage or curtail claims, we generally engage in discussions in an attempt to settle the dispute. If we are unable to reach a settlement, the outcome of a dispute ultimately may be determined by legal proceedings. Under ASC 450-20, until a loss associated with settlement discussions or legal proceedings becomes probable and can be reasonably estimated, we consider our claim payment or rescission resolved for financial reporting purposes and do not accrue an estimated loss. When we determine that a loss is probable and can be reasonably estimated, we record our best estimate of our probable loss. In those cases, until settlement negotiations or legal proceedings are concluded (including the receipt of any necessary GSE approvals), it is possible that we will record an additional loss.

We have been named as a third-party defendant in a lawsuit that involves refunds of mortgage insurance premiums under the Homeowners Protection Act. We are monitoring litigation addressing similar issues in which we have not been named a defendant. We are unable to assess the potential impact of any such litigation at this time.

In addition, from time to time, we are involved in other disputes and legal proceedings in the ordinary course of business. In our opinion, based on the facts known at this time, the ultimate resolution of these ordinary course disputes and legal proceedings will not have a material adverse effect on our financial position or results of operations.



















































































MGIC Investment Corporation - Q3 2022 | 19

Note 6. Earnings per Share
Basic earnings per share (“EPS”) is calculated by dividing net income by the weighted average number of shares of common stock outstanding. For purposes of calculating basic EPS, vested restricted stock and restricted stock units (“RSUs”) are considered outstanding. Diluted EPS includes the components of basic EPS and also gives effect to dilutive common stock equivalents. The determination of whether components are dilutive is calculated independently for each period. We calculate diluted EPS using the treasury stock method and if-converted method. Under the treasury stock method, diluted EPS reflects the potential dilution that could occur if unvested RSUs result in the issuance of common stock. Under the if-converted method, diluted EPS reflects the potential dilution that could occur if our 9% Debentures result in the issuance of common stock. The determination of potentially issuable shares does not consider the satisfaction of the conversion requirements and the shares are included in the determination of diluted EPS as of the beginning of the period, if dilutive.

Table 6.1 reconciles the numerators and denominators used to calculate basic and diluted EPS.
Earnings per share
Table
6.1
 Three Months Ended September 30,Nine Months Ended September 30,
(In thousands, except per share data)2022202120222021
Basic earnings per share:
Net income$249,625 $157,977 $673,906 $461,049 
Weighted average common shares outstanding - basic302,622 335,938 309,097 338,045 
Basic earnings per share$0.82 $0.47 $2.18 $1.36 
Diluted earnings per share:
Net income$249,625 $157,977 $673,906 $461,049 
Interest expense, net of tax (1):
9% Debentures620 3,712 2,851 11,135 
Diluted income available to common shareholders$250,245 $161,689 $676,757 $472,184 
Weighted average common shares outstanding - basic302,622 335,938 309,097 338,045 
Effect of dilutive securities:
Unvested RSUs1,902 1,834 1,848 1,651 
9% Debentures2,670 15,785 4,084 15,785 
Weighted average common shares outstanding - diluted307,194 353,557 315,029 355,481 
Diluted earnings per share$0.81 $0.46 $2.15 $1.33 
(1) Interest expense for the three and nine months ended September 30, 2022 and 2021, respectively, has been tax effected at a rate of 21%.

MGIC Investment Corporation - Q3 2022 | 20

Note 7. Investments
Fixed income securities
Our fixed income securities classified as available-for-sale at September 30, 2022 and December 31, 2021 are shown in tables 7.1a and 7.1b below.
Details of fixed income securities by category as of September 30, 2022
Table7.1a
(In thousands)Amortized CostGross Unrealized GainsGross Unrealized (Losses)Fair Value
U.S. Treasury securities and obligations of U.S. government corporations and agencies$180,941 $25 $(10,294)$170,672 
Obligations of U.S. states and political subdivisions2,414,505 1,700 (265,167)2,151,038 
Corporate debt securities2,393,106 148 (227,409)2,165,845 
ABS134,309 5 (5,819)128,495 
RMBS230,997 15 (28,372)202,640 
CMBS266,711 14 (21,080)245,645 
CLOs337,827 — (12,329)325,498 
Foreign government debt4,486 — (914)3,572 
Commercial paper7,577 — — 7,577 
Total fixed income securities$5,970,459 $1,907 $(571,384)$5,400,982 
Details of fixed income securities by category as of December 31, 2021
Table7.1b
(In thousands)Amortized CostGross Unrealized GainsGross Unrealized (Losses)Fair Value
U.S. Treasury securities and obligations of U.S. government corporations and agencies$133,990 $285 $(868)$133,407 
Obligations of U.S. states and political subdivisions2,408,688 133,361 (7,396)2,534,653 
Corporate debt securities2,704,586 75,172 (13,776)2,765,982 
ABS150,888 830 (1,008)150,710 
RMBS309,991 2,397 (3,278)309,110 
CMBS315,330 5,736 (1,936)319,130 
CLOs360,436 609 (106)360,939 
Foreign government debt13,749 — (99)13,650 
Total fixed income securities$6,397,658 $218,390 $(28,467)$6,587,581 

We had $12.2 million and $13.4 million of investments at fair value on deposit with various states as of September 30, 2022 and December 31, 2021, respectively, due to regulatory requirements of those state insurance departments. In connection with our insurance and reinsurance activities within MAC and MIC, insurance subsidiaries of MGIC, we are required to maintain assets in trusts for the benefit of contractual counterparties, which had investments at fair value of $165.0 million and $189.8 million at September 30, 2022 and December 31, 2021, respectively.


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The amortized cost and fair values of fixed income securities at September 30, 2022, by contractual maturity, are shown in table 7.2 below. Actual maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Because most ABS, RMBS, CMBS, and CLOs provide for periodic payments throughout their lives, they are listed in separate categories.
Fixed income securities maturity schedule
Table7.2
September 30, 2022
(In thousands)Amortized costFair Value
Due in one year or less$422,546 $416,536 
Due after one year through five years1,413,885 1,334,284 
Due after five years through ten years1,814,408 1,614,687 
Due after ten years1,349,776 1,133,197 
5,000,615 4,498,704 
ABS134,309 128,495 
RMBS230,997 202,640 
CMBS266,711 245,645 
CLOs337,827 325,498 
Total as of September 30, 2022$5,970,459 $5,400,982 

Equity securities
The cost and fair value of investments in equity securities at September 30, 2022 and December 31, 2021 are shown in tables 7.3a and 7.3b below.
Details of equity security investments as of September 30, 2022
Table7.3a
(In thousands)CostGross GainsGross LossesFair Value
Equity securities$16,006 $— $(2,121)$13,885 
Details of equity security investments as of December 31, 2021
Table7.3b
(In thousands)CostGross GainsGross LossesFair Value
Equity securities$15,838 $264 $(34)$16,068 

Net gains (losses) on investments and other financial instruments
The net gains (losses) on investments and other financial instruments and the proceeds from the sale of fixed income securities classified as available-for-sale are shown in table 7.4 below.
Details of net gains (losses) on investments and other financial instruments
Table7.4Three Months Ended September 30,Nine Months Ended September 30,
(in thousands)2022202120222021
Fixed income securities
Gains on sales1,667 1,389 6,788 6,680 
Losses on sales(7,040)(259)(12,790)(1,004)
Change in credit allowance— (1)— 48 
Impairments(1,415)— (1,415)— 
Equity securities gains (losses)(617)(108)(2,351)(308)
Change in embedded derivative on Home Re Transactions4,199 (397)983 376 
Other(52)(12)9 (19)
Net gains (losses) on investments and other financial instruments(3,258)612 (8,776)5,773 
Proceeds from sales of fixed income securities125,186 106,765 388,740 246,827 

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Other invested assets
At December 31, 2021, the FHLB Advance amount was secured by $167.2 million of eligible collateral. As a result of the prepayment of the outstanding principal balance on the FHLB Advance we are no longer required to maintain collateral. Our other invested assets balance includes an investment in FHLB stock that is carried at cost, which due to its nature approximates fair value. Ownership of FHLB stock provides access to a secured lending facility.

Unrealized investment losses
Tables 7.5a and 7.5b below summarize, for all available-for-sale investments in an unrealized loss position at September 30, 2022 and December 31, 2021, the aggregate fair value and gross unrealized loss by the length of time those securities have been continuously in an unrealized loss position. The fair value amounts reported in tables 7.5a and 7.5b are estimated using the process described in Note 8 - “Fair Value Measurements” to these consolidated financial statements and in Note 3 - “Significant Accounting Policies” to the consolidated financial statements in our 2021 Annual Report on Form 10-K.
Unrealized loss aging for securities by type and length of time as of September 30, 2022
Table7.5a
Less Than 12 Months12 Months or GreaterTotal
(In thousands)Fair ValueUnrealized LossesFair ValueUnrealized LossesFair ValueUnrealized Losses
U.S. Treasury securities and obligations of U.S. government corporations and agencies$91,057 $(4,565)$52,868 $(5,729)$143,925 $(10,294)
Obligations of U.S. states and political subdivisions1,993,265 (229,380)122,240 (35,787)2,115,505 (265,167)
Corporate debt securities1,897,128 (164,708)307,124 (62,701)2,204,252 (227,409)
ABS96,910 (3,741)32,673 (2,078)129,583 (5,819)
RMBS124,775 (13,598)93,453 (14,774)218,228 (28,372)
CMBS183,053 (13,797)66,755 (7,283)249,808 (21,080)
CLOs266,139 (9,355)59,359 (2,974)325,498 (12,329)
Foreign government debt— — 3,572 (914)3,572 (914)
Total$4,652,327 $(439,144)$738,044 $(132,240)$5,390,371 $(571,384)
Unrealized loss aging for securities by type and length of time as of December 31, 2021
Table7.5b
Less Than 12 Months12 Months or GreaterTotal
(In thousands)Fair Value
Unrealized
 Losses
Fair Value
Unrealized
Losses
Fair Value
Unrealized
 Losses
U.S. Treasury securities and obligations of U.S. government corporations and agencies$91,154 $(790)$2,616 $(78)$93,770 $(868)
Obligations of U.S. states and political subdivisions452,021 (7,189)15,540 (207)467,561 (7,396)
Corporate debt securities865,085 (13,260)10,997 (516)876,082 (13,776)
ABS100,064 (998)1,552 (10)101,616 (1,008)
RMBS180,586 (2,548)31,641 (730)212,227 (3,278)
CMBS89,889 (1,887)1,511 (49)91,400 (1,936)
CLOs177,663 (71)21,973 (35)199,636 (106)
Foreign government debt13,649 (99)— — 13,649 (99)
Total$1,970,111 $(26,842)$85,830 $(1,625)$2,055,941 $(28,467)

Based on current facts and circumstances, we believe the unrealized losses as of September 30, 2022 presented in table 7.5a above are not indicative of the ultimate collectability of the current amortized cost of the securities. The unrealized losses in all categories of our investments at September 30, 2022 were primarily caused by an increase in prevailing interest rates. We also rely upon estimates of several credit and non-credit factors in our review and evaluation of individual investments to determine whether a credit impairment exists. All of the securities in an unrealized loss position are current with respect to their interest obligations.

There were 1,346 and 610 securities in an unrealized loss position at September 30, 2022 and December 31, 2021, respectively.  








MGIC Investment Corporation - Q3 2022 | 23

Note 8. Fair Value Measurements
Recurring fair value measurements
The following describes the valuation methodologies generally used by the independent pricing sources, or by us, to measure financial instruments at fair value, including the general classification of such financial instruments pursuant to the valuation hierarchy.

•Fixed income securities:
U.S. Treasury Securities and Obligations of U.S. Government Corporations and Agencies: Securities with valuations derived from quoted prices for identical instruments in active markets that we can access are categorized in Level 1 of the fair value hierarchy. Securities valued by surveying the dealer community, obtaining relevant trade data, benchmark quotes and spreads and incorporating this information in the valuation process are categorized as Level 2 of the fair value hierarchy.
Corporate Debt Bonds are valued by surveying the dealer community, obtaining relevant trade data, benchmark quotes and spreads and incorporating this information into the valuation process. These securities are generally categorized in Level 2 of the fair value hierarchy.
Obligations of U.S. States & Political Subdivisions are valued by tracking, capturing, and analyzing quotes for active issues and trades reported via the Municipal Securities Rulemaking Board records. Daily briefings and reviews of current economic conditions, trading levels, spread relationships, and the slope of the yield curve provide further data for evaluation. These securities are generally categorized in Level 2 of the fair value hierarchy.
Residential Mortgage-Backed Securities ("RMBS") are valued by monitoring interest rate movements, and other pertinent data daily. Incoming market data is enriched to derive spread, yield and/or price data as appropriate, enabling known data points to be extrapolated for valuation application across a range of related securities. These securities are generally categorized in Level 2 of the fair value hierarchy.
Commercial Mortgage-Backed Securities ("CMBS") are valued using techniques that reflect market participants’ assumptions and maximize the use of relevant observable inputs including quoted prices for similar assets, benchmark yield curves and market corroborated inputs. Evaluation uses regular reviews of the inputs for securities covered, including executed trades, broker quotes, credit information, collateral attributes and/or cash flow waterfall as applicable. These securities are generally categorized in Level 2 of the fair value hierarchy.
Asset-Backed Securities ("ABS") are valued using spreads and other information solicited from market buy-and-sell-side sources, including primary and secondary dealers, portfolio managers, and research analysts. Cash flows are generated for each tranche, benchmark yields are determined, and deal collateral performance and tranche level attributes including trade activity, bids, and offers are applied, resulting in tranche specific prices. These securities are generally categorized in Level 2 of the fair value hierarchy.
Collateralized loan obligations ("CLOs") are valued by evaluating manager rating, seniority in the capital structure, assumptions about prepayment, default and recovery and their impact on cash flow generation. Loan level net asset values are determined and aggregated for tranches and as a final step prices are checked against available recent trade activity. These securities are generally categorized in Level 2 of the fair value hierarchy.
Foreign government debt is valued by surveying the dealer community, obtaining relevant trade data, benchmark quotes and spreads and incorporating this information into the valuation process. These securities are generally categorized in Level 2 of the fair value hierarchy.
Commercial Paper, which has an original maturity greater than 90 days, is valued using market data for comparable instruments of similar maturity and average yields. These securities are generally categorized in Level 2 of the fair value hierarchy.
•Equity securities: Consist of actively traded, exchange-listed equity securities, including exchange traded funds (“ETFs”) and Bond Mutual Funds, with valuations derived from quoted prices for identical assets in active markets that we can access. These securities are valued in Level 1 of the fair value hierarchy.
•Cash Equivalents: Consists of money market funds and treasury bills with valuations derived from quoted prices for identical assets in active markets that we can access. These securities are valued in level 1 of the fair value hierarchy. Instruments in this category valued using market data for comparable instruments are classified as level 2 in the fair value hierarchy.




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Assets measured at fair value, by hierarchy level, as of September 30, 2022 and December 31, 2021 are shown in tables 8.1a and 8.1b below. The fair value of the assets is estimated using the process described above, and more fully in Note 3 - “Significant Accounting Policies” to the consolidated financial statements in our 2021 Annual Report on Form 10-K.
Assets carried at fair value by hierarchy level as of September 30, 2022
Table8.1a
(In thousands)Total Fair Value
Quoted Prices in Active Markets for Identical Assets
(Level 1)
Significant Other Observable Inputs
(Level 2)
U.S. Treasury securities and obligations of U.S. government corporations and agencies$170,672 $151,741 $18,931 
Obligations of U.S. states and political subdivisions2,151,038 — 2,151,038 
Corporate debt securities2,165,845 — 2,165,845 
ABS128,495 — 128,495 
RMBS202,640 — 202,640 
CMBS245,645 — 245,645 
CLOs325,498 — 325,498 
Foreign government debt3,572 — 3,572 
Commercial paper7,577 — 7,577 
Total fixed income securities5,400,982 151,741 5,249,241 
Equity securities13,885 13,885 — 
Cash equivalents236,940 198,397 38,543 
Total$5,651,807 $364,023 $5,287,784 
Assets carried at fair value by hierarchy level as of December 31, 2021
Table8.1b
(In thousands)Total Fair Value
Quoted Prices in Active Markets for Identical Assets
(Level 1)
Significant Other Observable Inputs
(Level 2)
U.S. Treasury securities and obligations of U.S. government corporations and agencies$133,407 $102,153 $31,254 
Obligations of U.S. states and political subdivisions2,534,653 — 2,534,653 
Corporate debt securities2,765,982 — 2,765,982 
ABS150,710 — 150,710 
RMBS309,110 — 309,110 
CMBS319,130 — 319,130 
CLOs360,939 — 360,939 
Foreign government debt13,650 — 13,650 
Total fixed income securities6,587,581 102,153 6,485,428 
Equity securities16,068 16,068 — 
Cash equivalents254,230 254,230 — 
Total$6,857,879 $372,451 $6,485,428 

Certain financial instruments, including insurance contracts, are excluded from these fair value disclosure requirements. The carrying values of cash and cash equivalents (Level 1) and accrued investment income (Level 2) approximated their fair values. Additional fair value disclosures related to our investment portfolio are included in Note 7 – “Investments.”

In addition to the assets carried at fair value discussed above, we have embedded derivatives carried at fair value related to our Home Re Transactions that are classified as Other liabilities or Other assets in our consolidated balance sheets. The estimated fair value related to our embedded derivatives reflects the present value impact of the variation in investment income on the assets held by the reinsurance trusts and the contractual reference rate on the Home Re Transactions used to calculate the reinsurance premiums we will pay. These liabilities or assets are categorized in Level 3 of the fair value hierarchy. At September 30, 2022 and December 31, 2021, the fair value of the embedded derivatives was a liability of $0.8 million and $1.8 million, respectively. (See Note 4 - "Reinsurance" for more information about our reinsurance programs.)


MGIC Investment Corporation - Q3 2022 | 25

Real estate acquired through claim settlement is carried at fair values and is reported in “Other assets” on the consolidated balance sheet. These assets are categorized as Level 3 of the fair value hierarchy.

Activity related to the Level 3 assets and liabilities (including realized and unrealized gains and losses, purchases and sales) were immaterial for the three and nine months ended September 30, 2022 and 2021.

Financial assets and liabilities not measured at fair value
Other invested assets include an investment in FHLB stock that is carried at cost, which due to restrictions that require it to be redeemed or sold only to the security issuer at par value, approximates fair value. The fair value of other invested assets is categorized as Level 2.
Financial liabilities include our outstanding debt obligations. The fair values of our 5.75% and 5.25% Notes and 9% Debentures were based on observable market prices. In all cases the fair values of the financial liabilities below are categorized as Level 2.
Table 8.2 presents the carrying value and fair value of our financial assets and liabilities disclosed, but not carried, at fair value at September 30, 2022 and December 31, 2021.
Financial assets and liabilities not measured at fair value
Table8.2
September 30, 2022December 31, 2021
(In thousands)Carrying ValueFair ValueCarrying ValueFair Value
Financial assets
Other invested assets$850 $850 $3,100 $3,100 
Financial liabilities
FHLB Advance— — 155,000 157,585 
5.75% Senior Notes— — 241,255 256,213 
5.25% Senior Notes641,357 580,931 640,253 686,875 
9% Convertible Junior Subordinated Debentures21,296 28,475 110,204 151,000 
Total financial liabilities$662,653 $609,406 $1,146,712 $1,251,673 

MGIC Investment Corporation - Q3 2022 | 26


Note 9. Other Comprehensive Income
The pretax and related income tax benefit (expense) components of our other comprehensive income (loss) for the three and nine months ended September 30, 2022 and 2021 are included in table 9.1 below.
Components of other comprehensive income (loss)
Table
9.1
Three Months Ended September 30,Nine Months Ended September 30,
(In thousands)2022202120222021
Net unrealized investment (losses) gains arising during the period$(194,449)$(34,937)$(759,409)$(97,057)
Total income tax benefit (expense)40,834 7,337 159,476 20,382 
Net of taxes(153,615)(27,600)(599,933)(76,675)
Net changes in benefit plan assets and obligations(20,471)7,548 (19,353)9,492 
Total income tax benefit (expense)4,299 (1,585)4,064 (1,993)
Net of taxes(16,172)5,963 (15,289)7,499 
Total other comprehensive income (loss)(214,920)(27,389)(778,762)(87,565)
Total income tax benefit (expense)45,133 5,752 163,540 18,389 
Total other comprehensive income (loss), net of tax$(169,787)$(21,637)$(615,222)$(69,176)

The pretax and related income tax benefit (expense) components of the amounts reclassified from our accumulated other comprehensive income (loss) (“AOCI”) to our consolidated statements of operations for the three and nine months ended September 30, 2022 and 2021 are included in table 9.2 below.
Reclassifications from AOCI
Table
9.2
Three Months Ended September 30,Nine Months Ended September 30,
(In thousands)2022202120222021
Reclassification adjustment for net realized (losses) gains(1)
$(6,681)$1,045 $(4,273)$7,462 
Income tax benefit (expense)1,403 (219)897 (1,566)
Net of taxes(5,278)826 (3,376)5,896 
Reclassification adjustment related to benefit plan assets and obligations (2)
(6,228)(971)(7,346)(2,915)
Income tax benefit (expense)1,308 204 1,543 612 
Net of taxes(4,920)(767)(5,803)(2,303)
Total reclassifications(12,909)74 (11,619)4,547 
Income tax benefit (expense)2,711 (15)2,440 (954)
Total reclassifications, net of tax$(10,198)$59 $(9,179)$3,593 
(1)Increases (decreases) Net realized investment gains (losses) on the consolidated statements of operations.
(2)Decreases (increases) Other underwriting and operating expenses, net on the consolidated statements of operations.

A rollforward of AOCI for the nine months ended September 30, 2022, including amounts reclassified from AOCI, are included in table 9.3 below.
Rollforward of AOCI
Table
9.3
Nine Months Ended September 30, 2022
(In thousands)Net unrealized gains and (losses) on available-for-sale securitiesNet benefit plan assets and (obligations) recognized in shareholders' equityTotal accumulated other comprehensive income (loss)
Balance at December 31, 2021, net of tax$150,038 $(30,341)$119,697 
Other comprehensive income (loss) before reclassifications(603,309)(21,092)(624,401)
Less: Amounts reclassified from AOCI(3,376)(5,803)(9,179)
Balance, September 30, 2022, net of tax$(449,895)$(45,630)$(495,525)


MGIC Investment Corporation - Q3 2022 | 27

Note 10. Benefit Plans
Tables 10.1 and 10.2 provide the components of net periodic benefit cost for our pension, supplemental executive retirement and other postretirement benefit plans for the three and nine months ended September 30, 2022 and 2021.

Components of net periodic benefit cost
Table
10.1
Three Months Ended September 30,
Pension and Supplemental Executive Retirement PlansOther Postretirement Benefit Plans
(In thousands)2022202120222021
Service cost$1,813 $1,908 $327 $377 
Interest cost2,863 2,794 173 163 
Expected return on plan assets(4,907)(5,229)(2,625)(2,216)
Amortization of net actuarial losses (gains)1,266 1,403 (776)(425)
Amortization of prior service cost (credit)(57)(60)123 53 
Settlements and curtailments5,671 4,732 — — 
Net periodic benefit cost (benefit)$6,649 $5,548 $(2,778)$(2,048)
Components of net periodic benefit cost
Table10.2
Nine Months Ended September 30,
Pension and Supplemental Executive Retirement PlansOther Postretirement Benefit Plans
(In thousands)2022202120222021
Service cost$5,439 $5,724 $981 $1,131 
Interest cost8,588 8,383 521 487 
Expected return on plan assets(14,723)(15,687)(7,876)(6,647)
Amortization of net actuarial losses (gains)3,798 4,208 (2,328)(1,273)
Amortization of prior service cost (credit)(163)(179)367 159 
Settlements and curtailments5,671 4,732 — — 
Net periodic benefit cost (benefit)$8,610 $7,181 $(8,335)$(6,143)

Contributions of $6.3 million have been made to our qualified pension plan in 2022.

Beginning January 1, 2023, participants in the defined benefit pension plan and supplemental executive retirement plan will not accrue any future benefits due to pay and/or service. As a result of freezing plan benefits and lump sum settlements paid through September 2022, we recorded a pension settlement accounting charge, net of curtailments, of $5.7 million in the third quarter of 2022. The net curtailment credit relates to the recognition of prior service costs (credits) previously recognized in accumulated other comprehensive income. We recorded a pension settlement accounting charge of $4.7 million in the third quarter of 2021.

MGIC Investment Corporation - Q3 2022 | 28

Note 11. Loss Reserves
We establish case reserves and LAE reserves on delinquent loans that were reported to us as two or more payments past due and have not become current or resulted in a claim payment. Such loans are referred to as being in our delinquency inventory. Case reserves are established by estimating the number of loans in our delinquency inventory that will result in a claim payment, which is referred to as the claim rate, and further estimating the amount of the claim payment, which is referred to as claim severity.

IBNR reserves are established for estimated losses from delinquencies we estimate have occurred prior to the close of an accounting period, but have not yet been reported to us. IBNR reserves are also established using estimated claim rates and claim severities.

Estimation of losses is inherently judgmental. The conditions that affect the claim rate and claim severity include the current and future state of the domestic economy, including unemployment and the current and future strength of local housing markets; exposure on insured loans; the amount of time between delinquency and claim filing (all else being equal, the longer the period between delinquency and claim filing, the greater the severity); and curtailments and rescissions. The actual amount of the claim payments may be substantially different than our loss reserve estimates. Our estimates could be adversely affected by several factors, including a deterioration of regional or national economic conditions, including unemployment, leading to a reduction in borrowers’ income and thus their ability to make mortgage payments, the impact of past and future government initiatives and actions taken by the GSEs (including mortgage forbearance programs and foreclosure moratoriums), and a drop in housing values which may affect borrower willingness to continue to make mortgage payments when the value of the home is below the mortgage balance. Loss reserves in future periods will also be dependent on the number of loans reported to us as delinquent.

Changes to our estimates could result in a material impact to our consolidated results of operations and financial position, even in a stable economic environment. Given the uncertainty of the macroeconomic environment, including the effectiveness of loss mitigation efforts, change in home prices, and changes in unemployment, our loss reserve estimates may continue to be impacted.

In considering the potential sensitivity of the factors underlying our estimate of loss reserves, it is possible that even a relatively small change in our estimated claim rate or claim severity could have a material impact on loss reserves and, correspondingly, on our consolidated results of operations even in a stable economic environment. For example, as of September 30, 2022, assuming all other factors remain constant, a $1,000 increase/decrease in the average severity reserve factor would change the loss reserve amount by approximately +/- $11 million. A one percentage point increase/decrease in the average claim rate reserve factor would change the loss reserve amount by approximately +/- $15 million.

The “Losses incurred” section of table 11.1 below shows losses incurred on delinquencies that occurred in the current year and in prior years. The amount of losses incurred relating to delinquencies that occurred in the current year represents the
estimated amount to be ultimately paid on such delinquencies. The amount of losses incurred relating to delinquencies that occurred in prior years represents the difference between the actual claim rate and claim severity associated with those delinquencies resolved in the current year compared to the estimated claim rate and claim severity at the prior year-end, as well as a re-estimation of amounts to be ultimately paid on delinquencies continuing from the end of the prior year. This re-estimation of the claim rate and claim severity is the result of our review of current trends in the delinquency inventory, such as percentages of delinquencies that have resulted in a claim, the amount of the claims relative to the average loan exposure, changes in the relative level of delinquencies by geography and changes in average loan exposure.

Losses incurred on delinquencies that occurred in the current year increased for the nine months ended September 30, 2022, compared to the same period last year. The increase is primarily due to a decrease in IBNR reserve estimates by $5.9 million in the nine months ended September 30, 2021, while IBNR reserve estimates remained flat for the nine months ended September 30, 2022.

For the nine months ended September 30, 2022 we experienced favorable loss development of $327.5 million on previously received notices primarily related to a decrease in the estimated claim rate. The favorable development primarily resulted from greater than expected cure rates on delinquencies received during and prior to the COVID-19 pandemic, as forbearance plans and loss mitigation efforts have resulted in more cures than originally estimated. For the nine months ended September 30, 2021 we experienced favorable loss development of $6.0 million on previously received notices primarily due to the decrease in the claim rate on delinquencies received prior to the COVID-19 pandemic. This was offset by the recognition of a probable loss of $6.3 million related to litigation of our claims paying practices and adverse development on LAE reserves and reinsurance.




MGIC Investment Corporation - Q3 2022 | 29

The “Losses paid” section of table 11.1 below shows the amount of losses paid on delinquencies that occurred in the current year and losses paid on delinquencies that occurred in prior years. The foreclosure moratoriums and forbearance plans in place have increased the average time it takes to receive a claim,.

Table 11.1 provides a reconciliation of beginning and ending loss reserves as of and for the nine months ended September 30, 2022 and 2021.
Development of reserves for losses and loss adjustment expenses
Table
11.1
Nine Months Ended September 30,
(In thousands)20222021
Reserve at beginning of period$883,522 $880,537 
Less reinsurance recoverable66,905 95,042 
Net reserve at beginning of period816,617 785,495 
Losses incurred:
Losses and LAE incurred in respect of delinquency notices received in:
Current year104,086 95,534 
Prior years (1)
(327,512)(5,968)
Total losses incurred(223,426)89,566 
Losses paid:
Losses and LAE paid in respect of delinquency notices received in:
Current year116 339 
Prior years36,089 48,842 
Total losses paid36,205 49,181 
Net reserve at end of period556,986 825,880 
Plus reinsurance recoverable46,384 107,029 
Reserve at end of period$603,370 $932,909 
(1)A positive number for prior year loss reserve development indicates a deficiency of prior year reserves. A negative number for prior year loss reserve development indicates a redundancy of prior year loss reserves. See the following table for more information about prior year loss reserve development.

The prior year loss reserve development for the nine months of September 30, 2022 and 2021 is reflected in table 11.2 below.
Reserve development on previously received delinquencies
Table
11.2
Nine Months Ended September 30,
(In thousands)20222021
Increase (decrease) in estimated claim rate on primary defaults$(324,556)$(18,147)
Increase (decrease) in estimated severity on primary defaults(18,682)(105)
Change in estimates related to pool reserves, LAE reserves, reinsurance, and other15,726 12,284 
Total prior year loss development (1)
$(327,512)$(5,968)
(1)A positive number for prior year loss reserve development indicates a deficiency of prior year loss reserves. A negative number for prior year loss reserve development indicates a redundancy of prior year loss reserves.

MGIC Investment Corporation - Q3 2022 | 30

Delinquency inventory
A rollforward of our primary delinquency inventory for the three and nine months ended September 30, 2022 and 2021 appears in table 11.3 below. The information concerning new notices and cures is compiled from monthly reports received from loan servicers. The level of new notice and cure activity reported in a particular month can be influenced by, among other things, the date on which a servicer generates its report, the number of business days in a month and transfers of servicing between loan servicers.
Delinquency inventory rollforward
Table
11.3
Three Months Ended September 30,Nine Months Ended September 30,
2022202120222021
Delinquency inventory at beginning of period26,855 42,999 33,290 57,710 
New notices10,990 9,862 31,089 31,909 
Cures(11,494)(14,813)(37,371)(50,901)
Paid claims(337)(298)(978)(956)
Rescissions and denials(11)(11)(27)(23)
Other items removed from inventory(125)(360)(125)(360)
Delinquency inventory at end of period25,87837,37925,87837,379

During the three and nine months ended September 30, 2022 and 2021, our losses paid included amounts paid upon commutation of coverage of pools of non-performing loans (“NPLs”). As a result of these payments, 125 and 360 delinquencies, were removed from delinquency inventory with an amount paid of $1.6 million and $6.7 million for 2022 and 2021, respectively.

Table 11.4 below shows the number of consecutive months a borrower is delinquent. Historically as a delinquency ages it is more likely to result in a claim.
Primary delinquency inventory - consecutive months delinquent
Table
11.4
September 30, 2022December 31, 2021September 30, 2021
3 months or less7,825 7,586 6,948 
4-11 months7,619 7,990 9,371 
12 months or more (1)
10,434 17,714 21,060 
Total 25,878 33,290 37,379 
3 months or less30 %23 %19 %
4-11 months30 %24 %25 %
12 months or more40 %53 %56 %
Total100 %100 %100 %
Primary claims received inventory included in ending delinquent inventory244 211 154 
(1)Approximately 33%, 20%, and 17% of the primary delinquency inventory delinquent for 12 consecutive months or more has been delinquent for at least 36 consecutive months as of September 30, 2022, December 31, 2021, and September 30, 2021, respectively.

COVID-19 Pandemic Delinquencies
We experienced an increase in new delinquency notices in the second and third quarters of 2020 because of the impacts of the COVID-19 pandemic, including the high level of unemployment and economic uncertainty resulting from measures to reduce the transmission of COVID-19. Forbearance programs enacted by the GSEs provided for payment forbearance on mortgages to borrowers experiencing a hardship during the COVID-19 pandemic. Historically, forbearance plans have reduced the incidence of our losses on affected loans. Through September 30, 2022 the vast majority of the delinquencies received in the second and third quarter of 2020 have cured.

Premium refunds
Our estimate of premiums to be refunded on expected claim payments is accrued for separately in “Other Liabilities” on our consolidated balance sheets and approximated $28.1 million and $37.3 million at September 30, 2022 and December 31, 2021, respectively. The decrease is primarily due to a decrease in the delinquency inventory.


MGIC Investment Corporation - Q3 2022 | 31

Note 12. Shareholders’ Equity
Change in Accounting Policy
As of January 1, 2021, we adopted the updated guidance for "Accounting for Convertible Instruments and Contracts in an Entity’s Own Equity”. The application of this guidance resulted in a $68.3 million cumulative effect adjustment to our 2021 beginning retained earnings and paid in capital to reflect the 9% Debentures as if we had always accounted for the debt as a liability in its entirety.

Share repurchase programs
Repurchases of our common stock may be made from time to time on the open market (including through 10b5-1 plans) or through privately negotiated transactions. In the first nine months of 2022, we repurchased 21.7 million shares at an average cost of $14.10 per share, which included commissions. In 2021, we repurchased approximately 19.0 million shares of our common stock, at an average cost of $15.30 per share, which included commissions. At September 30, 2022 we had $194 million remaining under a share repurchase program approved by our Board of Directors in 2021 that expires at year end 2023. In October 2022, we repurchased an additional 2.6 million shares totaling $33.2 million under the remaining authorization.

Cash dividends
In March and May 2022, we paid quarterly cash dividends of $0.08 per share which totaled $51.0 million and in August 2022 we paid quarterly cash dividends of $0.10 per share to shareholders which totaled $30.5 million On October 27, 2022, the Board of Directors declared a quarterly cash dividend to holders of the company’s common stock of $0.10 per share to shareholders of record on November 10, 2022, payable on November 23, 2022.

Note 13. Share-Based Compensation
We have certain share-based compensation plans. Under the fair value method, compensation cost is measured at the grant date based on the fair value of the award and is recognized over the service period which generally corresponds to the vesting period. Awards under our plans generally vest over periods ranging from one to three years, although awards to our non-employee directors vest immediately.

Table 13.1 shows the number of restricted stock units (RSUs) granted to employees and non-employee directors and the weighted average fair value per share during the periods presented (shares in thousands).
Restricted stock unit grants
Table
13.1
Nine months ended September 30,
20222021
RSUs
Granted
(in thousands)
Weighted Average Share Fair Value
RSUs
Granted
(in thousands)
Weighted Average Share Fair Value
RSUs subject to performance conditions(1)848 $15.46 966 $12.82 
RSUs subject only to service conditions319 15.45 398 12.82 
Non-employee director RSUs104 15.32 — — 
(1)Shares granted are subject to performance conditions under which the target number of shares granted may vest up to 200%.

MGIC Investment Corporation - Q3 2022 | 32

Note 14. Statutory Information
Statutory Capital Requirements
The insurance laws of 16 jurisdictions, including Wisconsin, our domiciliary state, require a mortgage insurer to maintain a minimum amount of statutory capital relative to the RIF (or a similar measure) in order for the mortgage insurer to continue to write new business. We refer to these requirements as the “State Capital Requirements” and, together with the GSE Financial Requirements, as the “Financial Requirements.” While they vary among jurisdictions, the most common State Capital Requirements allow for a maximum risk-to-capital ratio of 25 to 1. A risk-to-capital ratio will increase if (i) the percentage decrease in capital exceeds the percentage decrease in insured risk, or (ii) the percentage increase in capital is less than the percentage increase in insured risk. Wisconsin does not regulate capital by using a risk-to-capital measure but instead requires a minimum policyholder position (“MPP”). MGIC’s “policyholder position” includes its net worth or surplus, and its contingency loss reserve.

At September 30, 2022, MGIC’s risk-to-capital ratio was 9.4 to 1, below the maximum allowed by the jurisdictions with State Capital Requirements, and its policyholder position was $3.7 billion above the required MPP of $2.0 billion. The calculation of our risk-to-capital ratio and MPP reflect credit for the risk ceded under our reinsurance transactions. If MGIC is not allowed an agreed level of credit under either the State Capital Requirements or the financial requirements of the PMIERs, MGIC may terminate the reinsurance agreements, without penalty.

Dividend restrictions
In the nine months ended September 30, 2022, MGIC paid a $400 million dividend to our holding company. In November, 2022, MGIC paid a $400 million dividend to our holding company.

MGIC is subject to statutory regulations as to payment of dividends. The maximum amount of dividends that MGIC may pay in any twelve-month period without regulatory approval by the OCI is the lesser of adjusted statutory net income or 10% of statutory ‘policyholders’ surplus as of the preceding calendar year end. Adjusted statutory net income is defined for this purpose to be the greater of statutory net income, net of realized investment gains, for the calendar year preceding the date of the dividend or statutory net income, net of realized investment gains, for the three calendar years preceding the date of the dividend less dividends paid within the first two of the preceding three calendar years. The maximum dividend that could be paid is reduced by dividends paid in the twelve months preceding the dividend payment date. Before making any dividend payments, we will notify the OCI to ensure it does not object.

The OCI recognizes only statutory accounting principles prescribed, or practices permitted by the State of Wisconsin for determining and reporting the financial condition and results of operations of an insurance company. The OCI has adopted certain prescribed accounting practices that differ from those found in other states. Specifically, Wisconsin domiciled companies record changes in the contingency loss reserves through their income statement as a change in underwriting deduction. As a result, in periods in which MGIC is increasing contingency loss reserves, statutory net income is reduced.
Statutory Financial Information
The statutory net income, policyholders’ surplus, and contingency reserve liability of our insurance subsidiaries, including MGIC, are shown in table 14.1.

Financial information of our insurance subsidiaries (including MGIC)
Table 14.1
As of and for the Nine Months Ended September 30,
(In thousands)20222021
Statutory net income$284,084 $194,614 
Statutory policyholders' surplus1,231,992 1,354,268 
Contingency reserve4,533,371 3,987,786 

MGIC Investment Corporation - Q3 2022 | 33

Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations

Introduction
The following is management’s discussion and analysis of the financial condition and results of operations of MGIC Investment Corporation for the third quarter of 2022. As used below, “we” and “our” refer to MGIC Investment Corporation’s consolidated operations. This form 10-Q should be read in conjunction with “Management’s Discussion and Analysis of Financial Condition and Results of Operations” in our Annual Report on Form 10-K for the year ended December 31, 2021. See the “Glossary of terms and acronyms” for definitions and descriptions of terms used throughout this MD&A. Our revenues and losses could be affected by the Risk Factors referred to under “Forward Looking Statements and Risk Factors” below and they are an integral part of the MD&A.

Forward Looking and Other Statements
As discussed under “Forward Looking Statements and Risk Factors” below, actual results may differ materially from the results contemplated by forward looking statements. These forward looking statements speak only as of the date of this filing and are subject to change without notice. We are not undertaking any obligation to update any forward looking statements or other statements we may make in the following discussion or elsewhere in this document even though these statements may be affected by events or circumstances occurring after the forward looking statements or other statements were made. Therefore, no reader of this document should rely on these statements being current as of any time other than the time at which this document was filed with the Securities and Exchange Commission.



MGIC Investment Corporation - Q3 2022 | 34

Overview
Summary financial results of MGIC Investment Corporation
Three Months Ended September 30,Nine Months Ended September 30,
(In millions, except per share data, unaudited)20222021% Change20222021% Change
Selected statement of operations data
Net premiums earned$252.1 $254.8 (1)$763.0 $761.4 — 
Investment income, net of expenses42.5 38.3 11 121.1 117.3 3 
Losses incurred, net(105.1)20.8 (605)(223.4)89.6 (349)
Other underwriting and operating expenses, net58.5 53.9 9 166.7 155.8 7 
Loss on debt extinguishment11.6 — N/M40.1 — N/M
Income before tax314.3 199.7 57 849.6 583.2 46 
Provision for income taxes64.6 41.8 55 175.7 122.2 44 
Net income249.6 158.0 58 673.9 461.0 46 
Diluted income per share$0.81 $0.46 76 $2.15 $1.33 62 
Non-GAAP Financial Measures (1)
Adjusted pre-tax operating income$332.8 $198.6 68 $897.2 $577.6 55 
Adjusted net operating income264.2 157.1 68 711.5 456.6 56 
Adjusted net operating income per diluted share$0.86 $0.46 87 $2.26 $1.32 71 

Summary of third quarter 2022 results
Comparative quarterly results
We recorded third quarter 2022 net income of $249.6 million, or $0.81 per diluted share. Net income increased by $91.6 million from net income of $158.0 million in the prior year primarily reflecting decreases in losses incurred, partially offset by a higher provision for income taxes and a loss on debt extinguishment. Diluted income per share increased primarily due to an increase in net income and a decrease in diluted weighted average shares outstanding.

Adjusted net operating income for the third quarter 2022 was $264.2 million (Q3 2021: $157.1 million) and adjusted net operating income per diluted share was $0.86 (Q3 2021: $0.46). The increase in 2022 adjusted net operating income and adjusted net operating income per diluted share compared to 2021 primarily reflects higher net income and a decrease in diluted weighted average shares outstanding.

Losses incurred, net for the third quarter of 2022 were $(105.1) million, a decrease of $125.9 million compared to the third quarter of 2021 losses incurred of $20.8 million primarily due to favorable loss reserve development. While new delinquency notices added approximately $35.9 million to losses incurred in the third quarter of 2022, our re-estimation of loss reserves on previously received delinquency notices resulted in favorable development of approximately $140.9 million primarily related to a decrease in the estimated claim rate on delinquencies. The favorable development primarily resulted from greater than expected cure rates on delinquencies received during and prior to the COVID-19 pandemic, as forbearance plans and loss mitigation efforts have resulted in more cures than originally estimated. In the third quarter of 2021, our re-estimation of loss reserves on previously received delinquency notices resulted in $7.7 million of favorable loss development.

In the third quarter of 2022, the $11.6 million loss on debt extinguishment reflected a $4.8 million loss on the repurchase of $14.0 million in aggregate principal of our 9% Debentures and a
loss of $6.8 million on the redemption of our 2023 Senior Notes at costs that were in excess of their carrying value.

The increase in our provision for income taxes in the third quarter of 2022 as compared to the same period in the prior year was primarily due to an increase in income before tax.

Comparative year to date results
We recorded net income of $ 673.9 million, or $2.15 per diluted share during the first nine months of 2022 compared with $461.0 million, or $1.33 per diluted share during the prior year. Net income increased by $212.9 million, or $0.82 per diluted share. The increase primarily reflected a decrease in losses incurred, partially offset by a higher provision for income taxes and losses on debt extinguishment.

Diluted income per share increased primarily due to the increase in net income and a decrease in the number of our diluted weighted average shares outstanding.

Adjusted net operating income for the first nine months of 2022 was $711.5 million (YTD September 30, 2021: $456.6 million) and adjusted net operating income per diluted share was $2.26 (YTD September 30, 2021: $1.32). The increase in 2022 adjusted net operating income and adjusted net operating income per diluted share compared to 2021 primarily reflects higher net income and a decrease in diluted weighted average shares outstanding.


MGIC Investment Corporation - Q3 2022 | 35

Losses incurred, net for the nine months ended September 30, 2022 were ($223.4) million, a decrease of $313.0 million compared with losses incurred of $89.6 million for the prior year primarily due to favorable loss reserve development. While new delinquency notices added approximately $104.1 million to losses incurred in the first nine months of 2022, our re-estimation of loss reserves on previously received delinquency notices resulted in favorable development of approximately $327.5 million, primarily related to a decrease in the estimated claim rate on delinquencies. The favorable development primarily resulted from greater than expected cure rates on delinquencies received during and prior to the COVID-19 pandemic, as forbearance plans and loss mitigation efforts have resulted in more cures than originally estimated. In the first nine months of 2021, our re-estimation of loss reserves previously received delinquency notices resulted in $6.0 million of favorable loss development.

In the first nine months of 2022, the $40.1 million loss on debt extinguishment reflected loss of $32.0 million on the repurchase of $88.9 in aggregate principal of our 9% Debentures, a loss of $6.8 million on the redemption of our 2023 Senior Notes at costs in excess of their carrying value, and a prepayment fee of $1.3 million on the repayment of our FHLB advance.

The increase in our provision for income taxes for the first nine months of 2022 as compared to the same period in the prior year was primarily due to an increase in income before tax.

See “Consolidated Results of Operations” below for additional discussion of our results for the three and nine months ended September 30, 2022 compared with the respective prior year period.

Capital
MGIC dividend payments to our holding company
The ability of MGIC to pay dividends is restricted by insurance regulation. Amounts in excess of prescribed limits are deemed “extraordinary” and may not be paid if disapproved by the OCI. A dividend is extraordinary when the proposed dividend amount, plus dividends paid in the twelve months preceding the dividend payment date exceed the ordinary dividend level. In 2022, MGIC can pay $122 million of ordinary dividends without OCI approval, before taking into consideration dividends paid in the preceding twelve months. In the nine months ended September 30, 2022, MGIC paid $400 million in dividends in cash and investments to the holding company. In November, MGIC paid an additional $400 million dividend to the holding company.

We made dividend payments of $150 million to our holding company during the nine months ended September 30, 2021. Future dividend payments from MGIC to the holding company will continue to be determined in consultation with the board.
Share repurchase programs
Repurchases of our common stock may be made from time to time on the open market, including through 10b5-1 plans, or through privately negotiated transactions. In the first nine months of 2022, we repurchased 21.7 million shares of common stock, using approximately $306.2 million of holding company resources. As of September 30, 2022 we had $194 million of authorization remaining to repurchase our common stock through the end of 2023 under a share repurchase program approved by our Board of Directors in October 2021. As of September 30, 2022, we had approximately 299 million shares of common stock outstanding. We repurchased 10.0 million shares during the nine months ended September 30, 2021.

Dividends to shareholders
In March and May 2022, we paid quarterly cash dividends of $0.08 per share which totaled $51.0 million, and in August 2022 we paid quarterly cash dividends of $0.10 per share to shareholders which totaled $30.5 million. On October 27, 2022, our Board of Directors declared a quarterly cash dividend of $0.10 per common share to shareholders of record on November 10, 2022, payable on November 23, 2022.

GSEs
We must comply with a GSE’s PMIERS to be eligible to insure loans delivered to or purchased by that GSE. The PMIERs include financial requirements, as well as business, quality control and certain transactional approval requirements. The financial requirements of the PMIERs require a mortgage insurer’s "Available Assets" (generally only the most liquid assets of an insurer) to equal or exceed its "Minimum Required Assets" (which are based on an insurer's book of risk in force, calculated from tables of factors with several risk dimensions, reduced for credit given for risk ceded under reinsurance transactions, and subject to a floor amount). Based on our application of the PMIERs as of September 30, 2022, MGIC’s Available Assets totaled $5.9 billion, or $2.6 billion in excess of its Minimum Required Assets.

The PMIERs generally require us to hold significantly more Minimum Required Assets for delinquent loans than for performing loans and the Minimum Required Assets required to be held increases as the number of payments missed on a delinquent loan increases.

If MGIC ceases to be eligible to insure loans purchased by one or both of the GSEs, it would significantly reduce the volume of our NIW, the substantial majority of which is for loans delivered to or purchased by the GSEs. In addition to the increase in Minimum Required Assets associated with delinquent loans, factors that may negatively impact MGIC’s ability to continue to comply with the financial requirements of the PMIERs include the following:


MGIC Investment Corporation - Q3 2022 | 36

è
The GSEs may make the PMIERs more onerous in the future. The PMIERs provide that the factors that determine Minimum Required Assets will be updated periodically, or as needed if there is a significant change in macroeconomic conditions or loan performance. We do not anticipate that the regular periodic updates will occur more frequently than once every two years. The PMIERs state that the GSEs will provide notice 180 days prior to the effective date of updates to the factors; however, the GSEs may amend any portion of the PMIERs at any time.
è
The PMIERS may be changed in response to the final regulatory capital framework for the GSEs which was established in February 2022.
è
Our future operating results may be negatively impacted by the matters discussed in our Risk Factors. Such matters could decrease our revenues, increase our losses or require the use of assets, thereby creating a shortfall in Available Assets.
èShould capital be needed by MGIC in the future, capital contributions from our holding company may not be available due to competing demands on holding company resources, including for repayment of debt.
Our reinsurance transactions enable us to earn higher returns on our business than we would without them because they reduce the Minimum Required Assets we must hold under PMIERs. However, reinsurance may not always be available to us; or available on similar terms, and our reinsurance subjects us to counterparty credit risk. Our access to reinsurance may be disrupted and the terms under which we are able to obtain reinsurance may be less attractive than in the past due to volatility stemming from circumstances such as higher interest rates, increased inflation, global events such as the Russia-Ukraine war, and other factors. In 2022, execution of transactions for XOL reinsurance through the ILN market has been more challenging, with increased pricing, transactions being down-sized, and generally fewer transactions being executed by mortgage insurers.

The calculated credit for XOL Transactions under PMIERs is generally based on the PMIERs requirement of the covered loans and the attachment and detachment point of the coverage. PMIERs credit is generally not given for the reinsured risk above the PMIERs requirement. Our existing reinsurance transactions are subject to periodic review by the GSEs and there is a risk we will not receive our current level of credit in future periods for the risk ceded under them. In addition, we may not receive the same level of credit under future transactions that we receive under existing transactions. If MGIC is not allowed certain levels of credit under the PMIERs, under certain circumstances, MGIC may terminate the reinsurance transactions without penalties.

GSE reform
The FHFA has been the conservator of the GSEs since 2008 and has the authority to control and direct their operations. The increased role that the federal government has assumed in the residential housing finance system through the GSE conservatorship may increase the likelihood that the business practices of the GSEs change, including through administrative action, in ways that have a material adverse effect on us and that the charters of the GSEs are changed by new federal legislation.

It is uncertain what role the GSEs, FHA and private capital, including private mortgage insurance, will play in the residential housing finance system in the future. The timing and impact on our business of any resulting changes is uncertain. Many of the proposed changes would require Congressional action to implement and it is difficult to estimate when Congressional action would be final and how long any associated phase-in period may last.

For additional information about the business practices of the GSEs, see our Risk Factor titled “Changes in the business practices of the GSEs, federal legislation that changes their charters or a restructuring of the GSEs could reduce our revenues or increase our losses.”

State Regulations
The insurance laws of 16 jurisdictions, including Wisconsin, our domiciliary state, require a mortgage insurer to maintain a minimum amount of statutory capital relative to its RIF (or a similar measure) in order for the mortgage insurer to continue to write new business. We refer to these requirements as the “State Capital Requirements.” While they vary among jurisdictions, the most common State Capital Requirements allow for a maximum risk-to-capital ratio of 25 to 1. A risk-to-capital ratio will increase if (i) the percentage decrease in capital exceeds the percentage decrease in insured risk, or (ii) the percentage increase in capital is less than the percentage increase in insured risk. Wisconsin does not regulate capital by using a risk-to-capital measure but instead requires an MPP. MGIC’s “policyholder position” includes its net worth or surplus and its, contingency reserve.

At September 30, 2022, MGIC’s risk-to-capital ratio was 9.4 to 1, below the maximum allowed by the jurisdictions with State Capital Requirements, and its policyholder position was $3.7 billion above the required MPP of $2.0 billion. The calculation of our risk-to-capital ratio and MPP reflect full credit for the risk ceded under our reinsurance transactions. Refer to our Risk Factor titled “State capital requirements may prevent us from continuing to write new insurance on an uninterrupted basis” for more information about matters that could negatively impact our compliance with State Capital Requirements.

COVID-19 Pandemic
The COVID-19 pandemic materially impacted our 2020 financial results, as we reserved for losses associated with the increased delinquency notices received. Through September 30, 2022, the vast majority of those delinquency notices have cured, resulting in a decrease in losses incurred as we recognized favorable loss development.

Foreclosures on mortgages purchased or securitized by the GSEs were suspended through July 31, 2021. Under a CFPB rule that was effective through December 31, 2021, with limited exceptions, servicers were required to ensure that at least one temporary procedural safeguard had been met before referring 120-day delinquent loans for foreclosure. With the expiration of the CFPB rule, it is likely that foreclosures and claims will increase, although the timing and magnitude of such increase is uncertain.
For additional information about how the COVID-19 pandemic may impact our future financial results, business, liquidity, and/or financial condition, see our Risk Factor titled “The COVID-19 pandemic may materially impact our future financial results, business, liquidity and/or financial condition.”


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Factors affecting our results
Our current and future business, results of operations and financial condition are impacted by macroeconomic conditions, such as rising interest rates, home prices, housing demand, level of employment, inflation, restrictions and costs on mortgage credit, and other factors. For additional information on how on our business may be impacted see our Risk Factor titled “Downturns in the domestic economy or declines in home prices may result in more homeowners defaulting and our losses increasing, with a corresponding decrease in our returns.”

As noted above, the COVID-19 pandemic may adversely affect our future business, results of operations, and financial condition.
The future effects of changing climatic conditions on our business is uncertain. For information about possible effects, please refer to our Risk Factor titled “Pandemics, hurricanes and other natural disasters may impact our incurred losses, the amount and timing of paid claims, our inventory of notices of default and our Minimum Required Assets under PMIERs.”
Russia's invasion of Ukraine has increased the already-elevated inflation rate, added more pressure to strained supply chains, and has increased volatility in the domestic and global financial markets. For information about the possible effects of this on our business please refer to our Risk Factor title “The Russia-Ukraine war and/or other global events may adversely affect the U.S. economy and our business.

Our results of operations are affected by:

Premiums written and earned
Premiums written and earned in a year are influenced by:

•NIW, which increases IIF. Many factors affect NIW, including the volume of low down payment home mortgage originations and competition to provide credit enhancement on those mortgages from the FHA, the VA, other mortgage insurers, and other alternatives to mortgage insurance, including GSE programs that may reduce or eliminate the demand for mortgage insurance. NIW does not include loans previously insured by us that are modified, such as loans modified under HARP.

•Cancellations, which reduce IIF. Cancellations due to refinancings are affected by the level of current mortgage interest rates compared to the mortgage coupon rates throughout the in force book, current home values compared to values when the loans in the in force book were insured and the terms on which mortgage credit is available. Home price appreciation can give homeowners the right to cancel mortgage insurance on their loans if sufficient home equity is achieved. Cancellations also result from policy rescissions, which require us to return any premiums received on the rescinded policies and claim payments, which require us to return any premium received on the related policies from the date of default on the insured loans. Cancellations of single premium policies, which are generally non-refundable, result in immediate recognition of any remaining unearned premium.

•Premium rates, which are affected by product type, competitive pressures, the risk characteristics of the insured loans, the percentage of coverage on the insured loans, and
PMIERs capital requirements. The substantial majority of our monthly and annual mortgage insurance premiums are under premium plans for which, for the first ten years of the policy, the amount of premium is determined by multiplying the initial premium rate by the original loan balance; thereafter, the premium rate resets to a lower rate used for the remaining life of the policy. The remainder of our monthly and annual premiums are under premium plans for which premiums are determined by a fixed percentage of the loan’s amortizing balance over the life of the policy.

•Premiums ceded, net of profit commission, under our QSR Transactions and premiums ceded under our XOL Transactions are primarily affected by the percentage of our IIF subject to our reinsurance transactions. The profit commission under our QSR Transactions also varies inversely with the level of ceded losses incurred on a “dollar for dollar” basis and can be eliminated at ceded loss levels higher than what we have experienced on our QSR Transactions. As a result, lower levels of losses incurred result in a higher profit commission and less benefit from ceded losses incurred; higher levels of losses incurred result in more benefit from ceded losses incurred and a lower profit commission (or for certain levels of accident year loss ratios, its elimination). (See Note 4 - “Reinsurance” to our consolidated financial statements for a discussion of our reinsurance transactions.)

Premiums earned are generated by the insurance that is in force during all or a portion of the period. A change in the average IIF in the current period compared to an earlier period is a factor that will increase (when the average in force is higher) or reduce (when it is lower) premiums written and earned in the current period, although this effect may be enhanced (or mitigated) by the factors discussed immediately above.

Investment income
Our investment portfolio is composed principally of investment grade fixed income securities. The principal factors that influence investment income are the size of the portfolio and its yield. As measured by amortized cost (which excludes changes in fair value, such as from changes in interest rates), the size of the investment portfolio is mainly a function of cash generated from (or used in) operations, such as net premiums written, investment income, net claim payments and expenses, and cash provided by (or used for) non-operating activities, such as debt or stock issuances or repurchases, and dividends.

Losses incurred
Losses incurred are the current expense that reflects claim payments, costs of settling claims, and changes in our estimates of payments that will ultimately be made as a result of delinquencies on insured loans. As explained under “Critical Accounting Estimates” in our 2021 10-K MD&A, except in the case of a premium deficiency reserve, we recognize an estimate of this expense only for delinquent loans. Prior to the COVID-19 pandemic, the level of new delinquencies has historically followed a seasonal pattern, with new delinquencies in the first part of the year lower than new delinquencies in the latter part of the year. The state of the economy, local housing markets and various other factors, including the COVID-19 pandemic, may result in delinquencies not following the typical pattern. Losses incurred are generally affected by:


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•The state of the economy, including unemployment and housing values, each of which affects the likelihood that loans will become delinquent and whether loans that are delinquent cure their delinquency.

•The product mix of the in force book, with loans having higher risk characteristics generally resulting in higher delinquencies and claims.

•The size of loans insured, with higher average loan amounts tending to increase incurred losses.

•The percentage of coverage on insured loans, with deeper average coverage tending to increase losses incurred.

•The rate at which we rescind policies or curtail claims. Our estimated loss reserves incorporate our estimates of future rescissions of policies and curtailments of claims, and reversals of rescissions and curtailments. We collectively refer to such rescissions and denials as “rescissions” and variations of this term. We call reductions to claims “curtailments.”

•The distribution of claims over the life of a book. Historically, the first few years after loans are originated are a period of relatively low claims, with claims increasing substantially for several years subsequent and then declining, although persistency, the condition of the economy, including unemployment and housing prices, and other factors can affect this pattern. For example, a weak economy or housing value declines can lead to claims from older books increasing, continuing at stable levels or experiencing a lower rate of decline. See further information under “Mortgage insurance earnings and cash flow cycle” below.

•Losses ceded under reinsurance transactions. See Note 4 - “Reinsurance” to our consolidated financial statements for a discussion of our reinsurance transactions.

Underwriting and other expenses
Underwriting and other expenses includes items such as employee compensation, fees for professional and consulting services, depreciation and maintenance expense, and premium taxes, and are reported net of ceding commissions associated with our QSR Transactions. Employee compensation expenses are variable due to share-based compensation, changes in benefits, and changes in headcount (which can fluctuate due to volume of NIW). See Note 4 - “Reinsurance” to our consolidated financial statements for a discussion of ceding commission on our QSR Transactions.

Interest expense
Interest expense reflects the interest associated with our consolidated outstanding debt obligations discussed in Note 3 - “Debt” to our consolidated financial statements and under “Liquidity and Capital Resources” below.
Other
Certain activities that we do not consider being part of our fundamental operating activities may also impact our results of operations and are described below.
Gains (losses) on investments and other financial instruments
•Fixed income securities. Investment gains and losses reflect the difference between the amount received on the sale of a
fixed income security and the fixed income security’s cost basis, as well as any credit allowances and any impairments on securities we intend to sell prior to recovery of its amortized cost basis recognized in earnings. The amount received on the sale of fixed income securities is affected by the coupon rate of the security compared to the yield of comparable securities at the time of sale.

•Equity securities. Investment gains and losses are accounted for as a function of the periodic change in fair value.

•Financial instruments. Investment gains and losses on the embedded derivative on our Home Re Transactions reflect the present value impact of the variation in investment income on assets on the insurance-linked notes held by the reinsurance trusts and the contractual reference rate used to calculate the reinsurance premiums we pay.

Loss on debt extinguishment
Gains and losses on debt extinguishment result from discretionary activities that are undertaken to enhance our capital position, improve our debt profile, and/or reduce potential dilution from our outstanding convertible debt. Extinguishing our outstanding debt obligations early through these discretionary activities may result in losses primarily driven by the payment of consideration in excess of our carrying value, and the write off of unamortized debt issuance costs on the extinguished portion of the debt.

Refer to “Explanation and reconciliation of our use of Non-GAAP financial measures” below to understand how these items impact our evaluation of our core financial performance.

Mortgage insurance earnings and cash flow cycle
In general, the majority of any underwriting profit that a book generates occurs in the early years of the book, with the largest portion of any underwriting profit realized in the first year following the year the book was written. Subsequent years of a book may result in either underwriting profit or underwriting losses. This pattern of results typically occurs because relatively few of the incurred losses on delinquencies that a book will ultimately experience typically occur in the first few years of the book, when premium revenue is highest, while subsequent years are affected by declining premium revenues, as the number of insured loans decreases (primarily due to loan prepayments) and increasing losses. The typical pattern is also a function of premium rates generally resetting to lower levels after ten years. The state of the economy, local housing markets and various other factors, including the COVID-19 pandemic, may result in delinquencies not following the typical pattern.

Cybersecurity
We are increasingly reliant on the efficient and uninterrupted operation of complex information technology systems. All information technology systems are potentially vulnerable to damage or interruption from a variety of sources, including by third-party cyber attacks, including those involving ransomware. The Company discovers vulnerabilities and experiences malicious attacks and other attempts to gain unauthorized access to its systems on a regular basis. Globally, attacks are expected to continue accelerating in both frequency and sophistication with increasing use by actors of tools and techniques that will hinder the Company’s ability to identify, investigate and recover from incidents. Such attacks may also increase as a result of retaliation by Russia in response to

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actions taken by the U.S. and other countries in connection with Russia's military invasion of Ukraine. In response to the COVID-19 pandemic, the Company transitioned to a primarily virtual workforce model and is now operating under a hybrid model. Virtual and hybrid workforce models may be more vulnerable to security breaches.

While we have information security policies and systems in place to secure our information technology systems and to prevent unauthorized access to or disclosure of sensitive information, there can be no assurance with respect to our systems and those of our third-party vendors that unauthorized access to the systems or disclosure of the sensitive information, either through the actions of third parties or employees, will not occur.

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Explanation and reconciliation of our use of non-GAAP financial measures

Non-GAAP financial measures
We believe that use of the Non-GAAP financial measures of adjusted pre-tax operating income (loss), adjusted net operating income (loss) and adjusted net operating income (loss) per diluted share facilitate the evaluation of the company's core financial performance thereby providing relevant information to investors. These measures are not recognized in accordance with GAAP and should not be viewed as alternatives to GAAP measures of performance.

Adjusted pre-tax operating income (loss) is defined as GAAP income (loss) before tax, excluding the effects of net realized investment gains (losses), gain and losses on debt extinguishment, and infrequent or unusual non-operating items where applicable.
    
Adjusted net operating income (loss) is defined as GAAP net income (loss) excluding the after-tax effects of net realized investment gains (losses), gain and losses on debt extinguishment and infrequent or unusual non-operating items where applicable. The amounts of adjustments to components of pre-tax operating income (loss) are tax effected using a federal statutory tax rate of 21%.
    
Adjusted net operating income (loss) per diluted share is calculated in a manner consistent with the accounting standard regarding earnings per share by dividing (i) adjusted net operating income (loss) after making adjustments for interest expense on convertible debt, whenever the impact is dilutive by (ii) diluted weighted average common shares outstanding, which reflects share dilution from unvested restricted stock units and from convertible debt when dilutive under the “if-converted” method.

Although adjusted pre-tax operating income (loss) and adjusted net operating income (loss) exclude certain items that have occurred in the past and are expected to occur in the future, the excluded items represent items that are: (1) not viewed as part of the operating performance of our primary activities; or (2) impacted by both discretionary and other economic or regulatory factors and are not necessarily indicative of operating trends, or both. These adjustments, along with the reasons for their treatment, are described below. Trends in the profitability of our fundamental operating activities can be more clearly identified without the fluctuations of these adjustments. Other companies may calculate these measures differently. Therefore, their measures may not be comparable to those used by us.

(1)Net realized investment gains (losses). The recognition of net realized investment gains or losses can vary significantly across periods as the timing of individual securities sales is highly discretionary and is influenced by such factors as market opportunities, our tax and capital profile, and overall market cycles.
(2)Gains and losses on debt extinguishment. Gains and losses on debt extinguishment result from discretionary activities that are undertaken to enhance our capital position, improve
our debt profile, and/or reduce potential dilution from our outstanding convertible debt.
(3)Infrequent or unusual non-operating items. Items that are non-recurring in nature and are not part of our primary operating activities.


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Non-GAAP reconciliations
Reconciliation of Income before tax / Net income to Adjusted pre-tax operating income / Adjusted net operating income
Three Months Ended September 30,
20222021
(In thousands, except per share amounts)Pre-taxTax effectNet
(after-tax)		Pre-taxTax effectNet
(after-tax)
Income before tax / Net income$314,267 64,642 $249,625 $199,732 41,755 $157,977 
Adjustments:
Loss on debt extinguishment11,632 2,443 9,189 — — — 
Net realized investment (gains) losses6,854 1,439 5,415 (1,115)(234)(881)
Adjusted pre-tax operating income / Adjusted net operating income$332,753 $68,524 $264,229 $198,617 $41,521 $157,096 
Reconciliation of Net income per diluted share to Adjusted net operating income per diluted share
Weighted average diluted shares outstanding307,194 353,557 
Net income per diluted share$0.81 $0.46 
Loss on debt extinguishment0.03 — 
Net realized investment (gains) losses0.02 — 
Adjusted net operating income per diluted share$0.86 $0.46 
Reconciliation of Income before tax / Net income to Adjusted pre-tax operating income / Adjusted net operating income
Nine Months Ended September 30,
20222021
(In thousands, except per share amounts)Pre-taxTax effectNet
(after-tax)		Pre-taxTax effectNet
(after-tax)
Income before tax / Net income$849,597 $175,691 $673,906 $583,217 $122,168 $461,049 
Adjustments:
Loss on debt extinguishment40,130 8,427 31,703 — — — 
Net realized investment (gains) losses7,435 1,561 5,874 (5,665)(1,190)(4,475)
Adjusted pre-tax operating income / Adjusted net operating income$897,162 $185,679 $711,483 $577,552 $120,978 $456,574 
Reconciliation of Net income per diluted share to Adjusted net operating income per diluted share
Weighted average diluted shares outstanding315,029 355,481 
Net income per diluted share$2.15 $1.33 
Loss on debt extinguishment0.10 — 
Net realized investment (gains) losses0.02 (0.01)
Adjusted net operating income per diluted share$2.26 (1)$1.32 
(1) Does not foot due to rounding.

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Mortgage Insurance Portfolio

Mortgage originations
The total amount of mortgage originations is generally influenced by the level of home sales, the percentage of homes purchased for cash, and the level of refinance activity. PMI market share of total mortgage originations is influenced by the mix of purchase and refinance originations. PMI market share is also impacted by the market share of total originations of the FHA, VA, USDA, and other alternatives to mortgage insurance, including GSE programs that may reduce or eliminate the demand for mortgage insurance.

NIW for the third quarter of 2022 was $19.6 billion (Q3 2021: $28.7 billion) and for the nine months ended was $63.5 billion (YTD 2021: $93.1 billion). The decrease in NIW, when compared with the same period last year, is primarily due to a decrease in the origination market.

For the remainder of the year, we expect a smaller origination market to drive a decrease in our NIW compared to 2021.

The following tables present characteristics of our primary NIW for the three and nine months ended September 30, 2022 and 2021.

The percentage of our NIW with LTV’s over 95% increased for the nine months ended September 30, 2022 when compared with the same period last year. The percentage of our NIW with DTI ratios over 45% increased for the three and nine months ended September 30, 2022 when compared with the same period last year. The increases were primarily driven by higher home price and interest rates, and a higher percentage of NIW from purchase transactions.
Primary NIW by FICO score (1)
Three Months Ended September 30,Nine Months Ended September 30,
(% of primary NIW)
2022202120222021
760 and greater42.3 %46.8 %42.2 %45.7 %
740 - 75917.9 %17.4 %18.8 %17.5 %
720 - 73915.0 %13.3 %15.0 %13.7 %
700 - 71911.4 %10.4 %11.1 %11.1 %
680 - 6997.9 %7.1 %7.5 %7.3 %
660 - 6793.4 %2.9 %3.4 %2.6 %
640 - 6591.4 %1.5 %1.3 %1.6 %
639 and less0.7 %0.6 %0.7 %0.5 %
(1) We are aware of an issue of inaccurate reporting of FICO credit scores by a third-party occurring in late Q1 2022 and into the beginning of Q2 2022. We do not expect it to have a material impact on our business.
Primary NIW by loan-to-value
Three Months Ended September 30,Nine Months Ended September 30,
(% of primary NIW)2022202120222021
95.01% and above11.4 %13.0 %12.5 %10.9 %
90.01% to 95.00%50.0 %45.8 %49.7 %40.9 %
85.01% to 90.00%28.8 %29.0 %27.7 %30.9 %
80.01% to 85.00%9.8 %12.2 %10.1 %17.3 %
Primary NIW by debt-to-income ratio
Three Months Ended September 30,Nine Months Ended September 30,
(% of primary NIW)2022202120222021
45.01% and above23.6 %14.7 %20.7 %13.1 %
38.01% to 45.00%32.7 %29.4 %32.1 %29.6 %
38.00% and below43.7 %56.0 %47.2 %57.3 %
Primary NIW by policy payment type
Three Months Ended September 30,Nine Months Ended September 30,
(% of primary NIW)2022202120222021
Monthly premiums96.9 %92.3 %95.5 %92.1 %
Single premiums3.0 %7.6 %4.4 %7.9 %
Annual premiums0.1 %0.1 %0.1 %0.0 %
Primary NIW by type of mortgage
Three Months Ended September 30,Nine Months Ended September 30,
(% of primary NIW)2022202120222021
Purchases98.8 %89.7 %97.2 %76.0 %
Refinances1.2 %10.3 %2.8 %24.0 %

Insurance and risk in force
The amount of our IIF and RIF is impacted by the amount of NIW and cancellations of primary IIF during the period. Cancellation activity is primarily due to refinancing activity, but is also impacted by rescissions, cancellations due to claim payment, and policies cancelled when borrowers achieve the required amount of home equity. Refinancing activity has historically been affected by the level of mortgage interest rates and the level of home price appreciation. Cancellations generally move inversely to the change in the direction of interest rates, although they generally lag a change in direction.




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Persistency
Our persistency was 75.7% at September 30, 2022 compared to 62.6% at December 31, 2021 and 59.5% at September 30, 2021. Since 2000, our year-end persistency ranged from a high of 84.7% at December 31, 2009 to a low of 47.1% at December 31, 2003.
IIF and RIF
Three Months Ended September 30,Nine Months Ended September 30,
(In billions)2022202120222021
NIW$19.6 $28.7 $63.5 $93.1 
Cancellations(12.8)(22.3)(44.3)(71.3)
Increase in primary IIF$6.8 $6.4 $19.2 $21.8 
Direct primary IIF as of September 30,$293.6 $268.4 $293.6 $268.4 
Direct primary RIF as of September 30,$75.7 $67.2 $75.7 $67.2 

Credit profile of our primary RIF
Our 2009 and later books possess significantly improved risk characteristics when compared to our 2005-2008 books. Modification and refinance programs, such as HAMP and HARP, which expired at the end of 2016 and 2018, respectively, but have been replaced by other GSE modification programs, make outstanding loans more affordable to borrowers with the goal of reducing the number of foreclosures. As of September 30, 2022, loans associated with modification programs accounted for 4.4% of our total RIF, compared to 5.4% at December 31, 2021. As of September 30, 2022, 87.2% of loans associated with modifications programs were current.

The following table sets forth certain statistics associated with our primary IIF and RIF as of September 30, 2022:
Primary insurance in force and risk in force by policy year
(in millions)Insurance in ForceRisk In ForceWeighted Avg. Interest RateDelinquency Rate
Cede Rate % (1)
% of Original Remaining
Policy YearTotal% of TotalTotal% of Total
2004 and prior$1,537 0.5 %$428 0.6 %7.3 %12.6 %0.4 %NM
2005-200812,120 4.1 %3,216 4.2 %6.9 %10.9 %3.6 %5.0 %
2009-20157,135 2.4 %1,941 2.6 %4.3 %4.5 %14.2 %4.0 %
20167,168 2.4 %1,919 2.5 %3.9 %3.1 %13.0 %14.9 %
20178,301 2.8 %2,177 2.9 %4.2 %3.7 %0.0 %16.8 %
20188,510 3.0 %2,178 2.9 %4.8 %4.3 %0.9 %17.0 %
201918,226 6.2 %4,665 6.2 %4.1 %2.1 %27.5 %28.0 %
202068,623 23.4 %17,069 22.5 %3.1 %0.9 %28.5 %60.0 %
2021103,282 35.2 %26,528 35.0 %3.1 %0.7 %29.2 %87.6 %
202258,708 20.0 %15,621 20.6 %4.6 %0.2 %30.4 %97.3 %
Total$293,610 100.0 %$75,742 100.0 %
(1)Cede Rate % is calculated as the risk in force ceded to our QSR transactions divided by the total risk in force.

Pool and other insurance
MGIC has written no new pool insurance since 2008; however, for a variety of reasons, including responding to capital market alternatives to PMI and customer demands, MGIC may write pool risk in the future. Our direct pool risk in force was $281 million ($197 million on pool policies with aggregate loss limits and $84 million on pool policies without aggregate loss limits) at September 30, 2022 compared to $305 million ($206 million on pool policies with aggregate loss limits and $99 million on pool policies without aggregate loss limits) at December 31, 2021. If claim payments associated with a specific pool reach the aggregate loss limit, the remaining IIF within the pool would be cancelled and any remaining delinquencies under the pool would be removed from our delinquency inventory.

In connection with the GSEs' CRT programs, an insurance subsidiary of MGIC provides insurance and reinsurance covering portions of the credit risk related to certain reference pools of mortgages acquired by the GSEs. Our RIF, as reported to us, related to these programs was approximately $267 million and $321 million as of September 30, 2022 and December 31, 2021, respectively.

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Consolidated Results of Operations
The following section of the MD&A provides a comparative discussion of MGIC Investment Corporation’s Consolidated Results of Operations for the three and nine months ended September 30, 2022 and 2021.

Revenues
Three Months Ended September 30,Nine Months Ended September 30,
(in millions)
20222021% Change20222021% Change
Net premiums written$242.3 $247.6 (2)$729.3 $730.8 — 
Net premiums earned$252.1 $254.8 (1)$763.0 $761.4 — 
Investment income, net of expenses42.5 38.3 11 121.1 117.3 3 
Net gains (losses) on investments and other financial instruments(3.3)0.6 N/M(8.8)5.8 N/M
Other revenue1.4 2.0 (30)5.1 7.1 (28)
Total revenues$292.8 $295.7 (1)$880.5 $891.6 (1)
Net premiums written and earned
Comparative quarterly and year to date results
Premiums earned for the three and nine months ended September 30, 2022 were $252.1 million and $763.0 million, respectively, compared with $254.8 million and $761.4 million, respectively, for the same comparable period last year. Net premiums written for the three and nine months ended September 30, 2022 were $242.3 million and $729.3 million, respectively, compared with $247.6 million and $730.8 million, respectively, for the same comparable period last year.

The decrease in premiums written and earned for the quarter ended September 30, 2022 compared with the prior year period is primarily due to an increase in ceded premiums and a decrease in premium yield. Premiums written and earned for the nine months ended September 30, 2022 were generally flat when compared to the same period last year.

See “Overview - Factors Affecting Our Results” above for additional factors that influenced the amount of net premiums written and earned during the periods. See “Reinsurance Transactions” below for discussion of our ceded premiums written and earned.


Premium yields
Net premium yield is net premiums earned divided by average IIF during the period and is influenced by a number of key drivers. The following table presents the key drivers of our net premium yield for each of the three and nine months ended September 30, 2022 and September 30, 2021.
Premium Yield
Three Months Ended September 30,
Nine Months Ended September 30,
(in basis points)
2022
2021
2022
2021
In force portfolio yield(1)39.0 41.8 39.3 42.7 
Premium refunds0.3 (1.0)0.1 (0.7)
Accelerated earnings on single premium policies0.5 2.5 1.1 3.3 
Total direct premium yield39.8 43.3 40.5 45.3 
Ceded premiums earned, net of profit commission and assumed premiums(2)(5.1)(4.9)(4.7)(5.9)
Net premium yield34.7 38.4 35.8 39.4 

(1) Total direct premiums earned, excluding premium refunds and accelerated premiums from single premium policy cancellations divided by average primary insurance in force.
(2) Assumed premiums include those from our participation in GSE CRT programs, of which the impact on the net premium yield was 0.3 bps for the nine months ended September 30, 2022 compared to 0.4 bps for the nine months ended September 30, 2021.




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Changes in the net premium yield for the three and nine months ended September 30, 2022 compared to the three and nine months ended September 30, 2021 reflect the following:
In force Portfolio Yield
è
A larger percentage of our IIF from book years with lower premium rates due to a decline in premium rates in recent years resulting from pricing competition, an in force book with lower risk characteristics, lower required capital, the availability of reinsurance, and certain policies undergoing premium rate resets on their ten-year anniversaries.
Premium Refunds
è
Premium refunds are primarily driven by claim activity and our estimate of refundable premiums on our delinquency inventory. The low level of claims received have resulted in a lower level of premium refunds. Our estimate of refundable premium on our delinquency inventory fluctuates with changes in our delinquency inventory and our estimate of the number of loans in our delinquency inventory that will result in a claim.
Accelerated earnings on single premium policies
è
The lower level of refinance transactions have reduced the benefit from accelerated earned premium from cancellation of single premium policies prior to their estimated policy life.
Ceded premiums earned, net of profit commission and assumed premiums
è
Ceded premiums earned, net of profit commission adversely impact our net premium yield. Ceded premiums earned, net of profit commission, are associated with the QSR Transactions and the XOL Transactions. Assumed premiums consists primarily of premiums from GSE CRT programs. See “Reinsurance Transactions“ below for further discussion on our reinsurance transactions.
As discussed in our Risk Factor titled “Competition or changes in our relationships with our customers could reduce our revenues, reduce our premium yields and / or increase our losses,” the private mortgage insurance industry is highly competitive and premium rates have declined over the past several years. We expect our in force portfolio yield to continue to decline as older insurance policies with higher premium rates run off and are replaced with new insurance policies which generally have lower premium rates.

Reinsurance Transactions
Quota share reinsurance
Our quota share reinsurance affects various lines of our statements of operations and therefore we believe it should be analyzed by reviewing its total effect on our pre-tax income, described as follows.
èWe cede a fixed percentage of premiums on insurance covered by the agreements.
èWe receive the benefit of a profit commission through a reduction in the premiums we cede. The profit commission varies inversely with the level of losses incurred on a “dollar for dollar” basis and can be eliminated at loss levels higher than what we are currently experiencing. As a result, lower levels of ceded losses incurred result in less benefit from ceded losses incurred and a higher profit commission; higher levels of ceded losses incurred result in more benefit from ceded losses incurred and a lower profit commission (or for certain levels of accident year loss ratios, its elimination).
èWe receive the benefit of a ceding commission through a reduction in underwriting expenses equal to 20% of premiums ceded (before the effect of the profit commission).
èWe cede a fixed percentage of losses incurred on insurance covered by the agreements.

The following table provides information related to our QSR Transactions for each of the three and nine months ended September 30, 2022 and September 30, 2021.
Quota Share Reinsurance
Three Months Ended September 30,
Nine Months Ended September 30,
(Dollars in thousands)2022202120222021
Ceded premiums written and earned, net of profit commission$19,348$22,911$56,721$90,284
% of direct premiums written7%8%7%11%
% of direct premiums earned7%8%7%10%
Profit commission$47,255$45,078$135,049$108,000
Ceding commissions$13,321$13,599$38,355$39,657
Ceded losses incurred$(7,360)$(3,598)$(19,775)$13,710
Mortgage insurance portfolio:
Ceded RIF (Dollars in millions)
2015 QSR$641$1,029
2017 QSR—823
2018 QSR—827
2019 QSR1,2301,771
2020 QSR4,0815,118
2021 QSR6,9305,714
2022 QSR4,261—
Credit Union QSR2,1451,418
Total ceded RIF$19,288$16,700

Ceded losses incurred for the three and nine months ended September 30, 2022 reflect favorable loss reserve development on previously received delinquency notices. See "Losses Incurred, net” below for discussion of our loss reserves.

We terminated our 2017 and 2018 QSR Transactions effective December 31, 2021. We have elected to terminate our 2015 QSR and 2019 QSR Transactions effective December 31, 2022.

Covered risk
The percentages of our NIW, new risk written, IIF, and RIF subject to our QSR Transactions as shown in the following table will vary from period to period in part due to the mix of our risk written during the period.
Quota Share Reinsurance
Three Months Ended September 30,Nine Months Ended September 30,
2022202120222021
NIW subject to QSR Transactions88.0 %85.0 %87.8 %80.0 %
New Risk Written subject to QSR Transactions93.2 %89.5 %93.2 %91.9 %
IIF subject to QSR Transactions76.8 %77.0 %76.8 %77.0 %
RIF subject to QSR Transactions82.4 %83.9 %82.4 %83.9 %



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The increase in NIW and new risk written subject to quota share reinsurance increased for the three and nine months ended September 30, 2022 compared to the same periods of the prior year primarily due to a decrease in refinance transactions which resulted in a decrease in NIW with LTVs less than or equal to 85% and amortization terms less than or equal to 20 years, which generally have lower coverage percentages, and are excluded from the QSR Transactions.

As of September 30, 2022, the weighted average coverage percentage of our QSR transactions was 33% based on RIF.

Excess of loss reinsurance
We have Excess-of-loss transactions (“XOL Transactions”) with a panel of unaffiliated reinsurers executed through the traditional reinsurance market (“Traditional XOL Transaction”) and with unaffiliated special purpose insurers (“Home Re Transactions”).

The Traditional XOL Transaction provides up to $175 million of reinsurance coverage on eligible NIW in 2022. The Traditional XOL Transaction has contractual termination date after approximately ten years, with an optional termination date after seven years and quarterly thereafter. For the covered policies, we retain the first layer of the aggregate losses paid, and the reinsurers will then provide second layer coverage up to the outstanding reinsurance coverage amount. We retain losses paid in excess of the outstanding reinsurance coverage amount. The reinsurance coverage is subject to adjustment based on the risk characteristics of the covered loans. The reinsurance premiums ceded to the Traditional XOL Transaction are based off the remaining reinsurance coverage levels.

The Home Re Transactions are executed with unaffiliated special purpose entities (“Home Re Entities”) through the issuance of insurance linked notes (“ILNs”). As of September 30, 2022 our Home Re Transactions provided $1.7 billion of loss coverage on a portfolio of policies having an in force date from July 1, 2016 through March 31, 2019, and from January 1, 2020 through December 31, 2023; all dates inclusive. For this reinsurance coverage, we retain the first layer of the respective aggregate losses paid, and a Home Re Entity will then provide second layer coverage up to the outstanding reinsurance amount.

The current attachment, current detachment, and PMIERs required asset credit for each of our Home Re Transactions as of September 30, 2022, are as follows.

($ In thousands)
Initial Attachment % (1)
Initial Detachment % (2)
Current Attachment % (1)
Current Detachment % (2)
PMIERs Required Asset Credit
Home Re 2018-12.25%6.50%10.92%21.67%$— 
Home Re 2019-12.50%6.75%14.12%30.12%— 
Home Re 2020-13.00%7.50%5.91%8.76%276 
Home Re 2021-12.25%6.50%3.09%7.58%225,851 
Home Re 2021-22.10%6.50%2.49%7.31%323,991 
Home Re 2022-12.75%6.75%2.91%7.15%456,562 
(1) The percentage represents the cumulative losses as a percentage of adjusted risk in force that MGIC retains prior to the ILN taking losses.
(2) The percentage represents the cumulative losses as a percentage of adjusted risk in force that must be reached before MGIC begins absorbing losses after the ILN layer

We ceded premiums on our XOL Transactions of $19.9 million and $50.9 million, respectively, for the three and nine months ended September 30, 2022, and $12.1 million and $32.4 million, respectively, for the three and nine months ended September 30, 2021. The increase, when compared to the prior period, is primarily due to the execution of the Home Re 2021-2 Transaction in August, 2021 and the Home Re 2022-1 Transaction in April, 2022.

See Note 4 - “Reinsurance" to our consolidated financial statements for additional discussion of our XOL Transactions.

Investment income
Comparative quarterly and year to date results
Net investment income in the three and nine months ended September 30, 2022 was $42.5 million and $121.1 million, respectively, compared with $38.3 million and $117.3 million, respectively for the comparative periods in the prior year. Net investment income was impacted by higher yields, partially offset by a decrease in the investment portfolio.


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Losses and expenses
Three Months Ended September 30,Nine Months Ended September 30,
(In millions)20222021% Change20222021% Change
Losses incurred, net$(105.1)$20.8 N/M$(223.4)$89.6 N/M
Amortization of deferred policy acquisition costs3.2 3.3 (3)8.9 9.0 (1)
Other underwriting and operating expenses, net58.5 53.9 9 166.7 155.8 7 
Loss on debt extinguishment11.6 — N/M40.1 — N/M
Interest expense10.3 18.0 (43)38.7 54.0 (28)
Total losses and expenses$(21.5)$96.0 (122)$30.9 $308.4 (90)

Losses incurred, net
As discussed in “Critical Accounting Policies” in our 2021 10-K MD&A, we establish case loss reserves for future claims on delinquent loans that were reported to us as two payments past due and have not become current or resulted in a claim payment. Such loans are referred to as being in our delinquency inventory. Case loss reserves are established based on estimating the number of loans in our delinquency inventory that will result in a claim payment, which is referred to as the claim rate, and further estimating the amount of the claim payment, which is referred to as claim severity.

IBNR reserves are established for delinquencies estimated to have occurred prior to the close of an accounting period, but have not yet been reported to us. IBNR reserves are established using estimated delinquencies, claim rates, and claim severities.

Estimation of losses is inherently judgmental. Changes to our estimates could result in a material impact to our consolidated results of operations and financial position, even in a stable economic environment. The conditions that affect the claim rate and claim severity include the current and future state of the domestic economy, including unemployment, and the current and future strength of local housing markets; exposure on insured loans; the amount of time between delinquency and claim filing; and curtailments and rescissions. The actual amount of the claim payments may be substantially different than our loss reserve estimates. Our estimates could be adversely affected by several factors, including a deterioration of regional or national economic conditions, including unemployment, leading to a reduction in borrowers’ income and thus their ability to make mortgage payments, the impact of past and future government initiatives and actions taken by the GSEs (including mortgage forbearance programs and foreclosure moratoriums), and a drop in housing values that could result in, among other things, greater losses on loans, and may affect borrower willingness to continue to make mortgage payments when the net value of the home is below the mortgage balance. Loss reserves in the future will also be dependent on the number of loans reported to us as delinquent.

Prior to the COVID-19 pandemic, losses incurred have followed a seasonal trend in which the second half of the year has weaker credit performance than the first half, with higher new notice activity and a lower cure rate. The state of the economy, local housing markets and various other factors, may result in delinquencies not following the typical pattern.

As discussed in our Risk Factors titled “The Covid-19 pandemic may materially impact our future financial results, business,
liquidity and/or financial condition" and “The future impact of Covid-19 related forbearance and foreclosure mitigation activities is unknown,” the impact of the COVID-19 pandemic on our future incurred losses is uncertain and cannot be predicted. As discussed in our Risk Factor titled “Because we establish loss reserves only upon a loan delinquency rather than based on estimates of our ultimate losses on risk in force, losses may have a disproportionate adverse effect on our earnings in certain periods” if we have not received a notice of delinquency with respect to a loan and if we have not estimated the loan to be delinquent as of September 30, 2022 through our IBNR reserve, then we have not yet recorded an incurred loss with respect to that loan.

Our estimates are also affected by any agreements we enter into regarding our claims paying practices.

Comparative quarterly results
Losses incurred, net for the third quarter of 2022 were ($105.1) million, a decrease of $125.9 million compared to the second quarter of 2021 losses incurred, net of $20.8 million primarily due to favorable loss reserve development. While new delinquency notices added approximately $35.9 million to losses incurred in the third quarter of 2022, our re-estimation of loss reserves on previously received delinquency notices resulted in favorable development of approximately $140.9 million primarily related to a decrease in the estimated claim rate on delinquencies. The favorable development primarily resulted from greater than expected cure rates on delinquencies received during and prior to the COVID-19 pandemic, as forbearance plans and loss mitigation efforts have resulted in more cures than originally estimated. In the third quarter of 2021, our re-estimation of loss reserves on previously received delinquency notices resulted in $7.7 million of favorable loss development.




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Comparative year to date results
Losses incurred, net for the nine months ended September 30, 2022 were ($223.4) million, a decrease of $313.0 million compared with losses incurred of $89.6 million for the comparable prior year period primarily due to favorable loss reserve development. While new delinquency notices added approximately $104.1 million to losses incurred in the first nine months of 2022, our re-estimation of loss reserves on previously received delinquency notices resulted in favorable development of approximately $327.5 million primarily related to a decrease in the estimated claim rate on delinquencies. The favorable development primarily resulted from greater than expected cure rates on delinquencies received during and prior to the COVID-19 pandemic, as forbearance plans and loss mitigation efforts have resulted in more cures than originally estimated. In the first nine months of 2021, our re-estimation of loss reserves previously received delinquency notices resulted in $6.0 million of favorable loss development.





Composition of losses incurred
Three Months Ended September 30,Nine Months Ended September 30,
(in millions)2022202120222021
Current year / New notices$35.8$28.5$104.1$95.6
Prior year reserve development(140.9)(7.7)(327.5)(6.0)
Losses incurred, net$(105.1)$20.8$(223.4)$89.6

Loss ratio
The loss ratio is the ratio, expressed as a percentage, of the sum of incurred losses and loss adjustment expenses to net premiums earned. The loss ratio was (41.7%) and (29.3%), respectively for the three and nine months ended September 30, 2022 compared with 8.1% and 11.8%, respectively for the comparative periods in the prior year. The decrease in the loss ratio for the three and nine months ended September 30, 2022 compared to the respective prior year periods was primarily due to the decrease in losses incurred discussed above.




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New notice claim rate
The table below presents our new delinquency notices received, delinquency inventory, percentage of loans in forbearance, and the average number of missed payments for the loans in our delinquency inventory by policy year:
New notices and delinquency inventory during the three months ended and as of:
September 30, 2022
Policy YearNew Notices for the Three Months EndedNew Notices for the Nine Months EndedDelinquency Inventory% of Delinquency Inventory in ForbearanceAvg. Number of Missed Payments of Delinquency Inventory
2004 and prior937 2,771 2,486 15.7 %19
2005-20082,960 8,815 8,633 13.1 %19
2009-2015758 2,308 2,123 13.2 %13
2016519 1,549 1,308 14.4 %11
2017708 2,064 1,781 16.8 %11
2018834 2,387 2,106 19.1 %10
2019819 2,363 1,893 23.8 %10
20201,252 3,680 2,498 42.3 %7
20211,781 4,593 2,688 47.3 %5
2022422 559 362 34.8 %3
Total10,990 31,089 25,878 21.6 %13
Claim rate on new notices (1)
8 %
September 30, 2021
Policy YearNew Notices for the Three Months EndedNew Notices for the Nine Months EndedDelinquency Inventory% of Delinquency Inventory in ForbearanceAvg. Number of Missed Payments of Delinquency Inventory
2004 and prior941 2,899 2,915 19.1 %20
2005-20083,093 9,747 11,854 27.0 %19
2009-2015946 3,138 4,047 49.3 %12
2016500 1,867 2,468 59.6 %12
2017771 2,647 3,656 60.1 %12
2018848 3,029 4,197 61.7 %11
2019852 3,272 4,165 68.5 %11
20201,286 4,352 3,465 77.1 %8
2021625 958 612 43.0 %3
Total9,862 31,909 37,379 47.6 %14
Claim rate on new notices (1)
8 %
(1) Claim rate is the respective quarter to date weighted average rate and is rounded to the nearest whole percent.

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Claims severity
Factors that impact claim severity include:
èeconomic conditions at time of claim filing, including home prices compared to home prices at the time of placement of coverage,
èexposure of the loan, which is the unpaid principal balance of the loan times our insurance coverage percentage,
èlength of time between delinquency and claim filing (which impacts the amount of interest and expenses, with a longer time between default and claim filing generally increasing severity), and
ècurtailments.

As discussed in Note 11 - “Loss Reserves,” our loss reserves estimates take into consideration trends over time, because the development of the delinquencies may vary from period to period without establishing a meaningful trend. In light of the forbearance and foreclosure moratorium programs associated with the COVID-19 pandemic, the average number of missed payments at the time a claim is received has increased. Although foreclosure moratoriums are expiring, under a CFPB rule that was generally effective through December 31, 2021, with limited exceptions, servicers were required to ensure that at least one temporary safeguard was met before referring 120-day delinquent loans for foreclosure. Given the expiration of the CFPB rule, it is likely that foreclosures and claims will increase, although the timing and magnitude of such increase is uncertain.

The majority of loans insured prior to 2009 (which represent 43% of the loans in the delinquency inventory) are covered by master policy terms that, except under certain circumstances, do not limit the number of years that an insured can include interest when filing a claim. Under our current master policy terms, an insured can include accumulated interest when filing a claim only for the first three years the loan is delinquent. In each case, the insured must comply with its obligations under the terms of the applicable master policy.
Claims severity trend for claims paid during the period
PeriodAverage exposure on claim paidAverage claim paid% Paid to exposureAverage number of missed payments at claim received date
Q3 202237,625 23,461 62.4 %46 
Q2 202244,106 27,374 62.1 %41 
Q1 202238,009 27,662 72.8 %45 
Q4 202143,485 32,722 75.2 %42 
Q3 202142,468 36,138 85.1 %34 
Q2 202140,300 34,068 84.5 %36 
Q1 202146,807 36,725 78.5 %34 
Q4 202048,321 40,412 83.6 %32 
Q3 202047,780 40,600 85.0 %27 
Q2 202044,905 42,915 95.6 %32 
Q1 202046,247 47,222 102.1 %33 
Note: Table excludes material settlements. Settlements include amounts paid in settlement disputes for claims paying practices and/or commutations of policies.

Claims that were resolved after the first quarter of 2020 experienced an increase in loss mitigation activities, primarily third party acquisitions (sometimes referred to as “short sales”), resulting in a decrease in the average claim paid and the average claim paid as a percentage of exposure. At the end of 2021, the average number of missed payments at the time claims were received increased as foreclosure moratoriums expired resulting in an increase in our claims received. However, at September 30, 2022, claims received are still below levels experienced prior to the second quarter of 2020 as servicers work through the impact of foreclosure moratoriums and forbearance plans. As foreclosure moratoriums and forbearance plans end, we expect to see an increase in claims received and we also expect claims paid at exposure levels similar to those experienced prior to the COVID-19 pandemic. The magnitude and timing of the increases are uncertain.

The length of time a loan is in the delinquency inventory (see Note 11 - “Loss Reserves,” table 11.4) can differ from the number of payments that the borrower has not made or is considered delinquent. These differences typically result from a borrower making monthly payments that do not result in the loan becoming fully current. The number of payments that a borrower is delinquent is shown in the following table.


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Delinquency inventory - number of payments delinquent
September 30, 2022
December 31, 2021September 30, 2021
3 payments or less10,137 9,529 8,911 
4-11 payments7,831 9,208 11,165 
12 payments or more (1)
7,910 14,553 17,303 
Total25,878 33,290 37,379 
3 payments or less40 %28 %24 %
4-11 payments30 %28 %30 %
12 payments or more30 %44 %46 %
Total100 %100 %100 %
(1)Approximately 25%, 13%, and 11% of the primary delinquency inventory with 12 payments or more delinquent has at least 36 payments delinquent as of September 30, 2022, December 31, 2021, and September 30, 2021, respectively.

Net losses and LAE paid
Net losses and LAE paid decreased in the three and nine months ended September 30, 2022 compared with the same periods in the prior year. Foreclosures on mortgages purchased or securitized by the GSEs were suspended through July 31, 2021. Under a CFPB rule that was effective through December 31, 2021, with limited exceptions, servicers were required to ensure that at least one temporary procedural safeguard had been met before referring 120-day delinquent loans for foreclosure. As the various foreclosure moratoriums came to an end in 2021, we expect net losses and LAE paid to increase, however, the magnitude and timing of the increases are uncertain.

The following table presents our net losses and LAE paid for the three and nine months ended September 30, 2022 and 2021.
Net losses and LAE paid
Three Months Ended September 30,
Nine Months Ended September 30,
(In millions)2022202120222021
Total primary (excluding settlements)$8 $11 $26 $34 
Claims paying practices and NPL settlements (1)
1 7 5 7 
Pool— — — — 
Direct losses paid9 18 31 41 
Reinsurance— (1)(1)(2)
Net losses paid9 17 30 39 
LAE2 3 6 10 
Net losses and LAE paid$11 $20 $36 $49 
Average Claim Paid$23,461 $36,138 $26,121 $35,580 
(1) See Note 11 - “Loss Reserves” for additional information on our settlement of disputes for claims paying practices and commutations of NPLs.

The primary average claim paid can vary materially from period to period based upon a variety of factors, including the local market conditions, average loan amount, average coverage percentage, the amount of time between delinquency and claim filing, and our loss mitigation efforts on loans for which claims are paid.

The primary average RIF on delinquent loans at September 30, 2022, December 31, 2021 and September 30, 2021 for the top 5 jurisdictions (based on the September 30, 2022 delinquency inventory) appears in the following table.
Primary average RIF - delinquent loans
September 30, 2022December 31, 2021September 30, 2021
Florida$57,393 $56,227 $57,029 
Texas52,111 51,037 52,220 
Illinois41,160 40,798 40,947 
Pennsylvania40,723 39,523 40,766 
New York75,236 74,836 75,473 
All other jurisdictions50,606 51,652 52,454 
All jurisdictions$51,403 $51,887 $52,744 

The primary average RIF on all loans was $63,951, $59,518, and $57,867 at September 30, 2022, December 31, 2021, and September 30, 2021, respectively.


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Loss reserves
Our primary delinquency inventory was 25,878 loans at September 30, 2022, representing a decrease of 22.3% from December 31, 2021 and 30.8% from September 30, 2021. Generally, a defaulted loan with more missed payments is more likely to result in a claim. We experienced a decrease in the number of delinquencies in inventory with twelve or more missed payments at September 30, 2022 when compared to December 31, 2021 and September 30, 2021. The decrease is primarily due to higher than expected cure activity. (See Note 11- “Loss Reserves,” table 11.4.)

The gross reserves at September 30, 2022, December 31, 2021, and September 30, 2021 appear in the table below.
Gross reserves
September 30, 2022December 31, 2021September 30, 2021
Primary:
Direct case loss reserves (in millions)$540 $795 $840 
Direct IBNR and LAE reserves59 82 86 
Total primary direct loss reserves$599 $877 $926 
Ending delinquent inventory25,878 33,290 37,379 
Percentage of loans delinquent (delinquency rate)2.17 %2.84 %3.20 %
Average total primary loss reserves per delinquency$23,128 $26,156 $24,597 
Primary claims received inventory included in ending delinquent inventory244 211 154 
Pool (1):
   
Direct loss reserves (in millions):  
With aggregate loss limits$3 $4 $5 
Without aggregate loss limits1 2 2 
Total pool direct loss reserves$4 $6 $7 
Ending default inventory:   
With aggregate loss limits287 313 344 
Without aggregate loss limits122 185 195 
Total pool ending delinquent inventory409 498 539 
Pool claims received inventory included in ending delinquent inventory4 1 6 
Other gross reserves (2) (in millions)
$— $1 $— 
(1)Since a number of our pool policies include aggregate loss limits and/or deductibles, we do not disclose an average direct reserve per delinquency for our pool business.
(2)Other Gross Reserves includes direct and assumed reserves that are not included within our primary or pool loss reserves.  


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The primary delinquency inventory for the top 15 jurisdictions (based on September 30, 2022 delinquency inventory) at September 30, 2022, December 31, 2021 and September 30, 2021 appears in the following table.
Primary delinquency inventory by jurisdiction
September 30, 2022December 31, 2021September 30, 2021
Florida *2,013 2,948 3,401 
Texas1,911 2,572 2,964 
Illinois *1,708 2,082 2,370 
Pennsylvania *1,500 1,672 1,768 
New York *1,421 1,674 1,808 
California1,340 1,852 2,218 
Ohio *1,227 1,458 1,657 
Michigan999 1,144 1,221 
Georgia958 1,272 1,439 
New Jersey *835 1,169 1,325 
North Carolina764 987 1,090 
Maryland715 929 1,053 
Virginia591 766 871 
Indiana574 736 783 
Minnesota574 725 840 
All other jurisdictions8,748 11,304 12,571 
Total25,878 33,290 37,379 
Note: Asterisk denotes jurisdictions in the table above that predominately use a judicial foreclosure process, which generally increases the amount of time it takes for a foreclosure to be completed.


The primary delinquency inventory by policy year at September 30, 2022, December 31, 2021 and September 30, 2021 appears in the following table.
Primary delinquency inventory by policy year
September 30, 2022December 31, 2021September 30, 2021
Policy year:
2004 and prior2,486 2,829 2,915 
2004 and prior %10 %8 %8 %
20051,456 1,703 1,792 
20062,427 2,928 3,148 
20073,860 4,973 5,437 
2008890 1,278 1,477 
2005 - 2008 %33 %33 %32 %
200952 84 97 
201043 56 67 
201152 79 96 
201281 143 188 
2013270 441 551 
2014668 1,055 1,231 
2015957 1,542 1,817 
2009 - 2015 %8 %10 %11 %
20161,308 2,004 2,468 
20171,781 2,949 3,656 
20182,106 3,412 4,197 
20191,893 3,340 4,165 
20202,498 3,308 3,465 
20212,688 1,166 612 
2022362 — — 
2016 and later %49 %49 %49 %
Total25,878 33,290 37,379 

On our primary business, the highest claim frequency years have typically been the third and fourth year after loan origination. However, the pattern of claim frequency can be affected by many factors, including persistency and deteriorating economic conditions. Deteriorating economic conditions, including decreasing home prices, can result in increasing claims following a period of declining claims. As of September 30, 2022, 78% of our primary RIF was written subsequent to December 31, 2019, 84% of our primary RIF was written subsequent to December 31, 2018, and 87% of our primary RIF was written subsequent to December 31, 2017. We expect the delinquency inventory to increase over the next several quarters primarily due to seasoning of the portfolio.


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Underwriting and other expenses, net
Underwriting and other expenses includes items such as employee compensation costs, fees for professional and consulting services, depreciation and maintenance expense, and premium taxes, and are reported net of ceding commissions.

Underwriting and other expenses, net for the three and nine months ended September 30, 2022 were $58.5 million and $166.7 million, respectively, compared with $53.9 million and $155.8 million, respectively, in the prior year periods. Underwriting and other expenses, net increased during the three and nine months ended September 30, 2022 compared with the same periods in the prior year primarily due to increases in expenses related to our investments in technology and data and analytics infrastructure, offset by a decrease in fees for professional and consulting services.
Three Months Ended September 30,Nine Months Ended September 30,
2022202120222021
Underwriting expense ratio 24.6 %21.9 %23.3 %21.3 %
The underwriting expense ratio is the ratio, expressed as a percentage, of the underwriting and operating expenses, net and amortization of DAC of our combined insurance operations (which excludes underwriting and operating expenses of our non-insurance subsidiaries) to net premiums written. The underwriting expense ratio in the three and nine months ended September 30, 2022 increased compared with the same periods in the prior year primarily due to an increase in underwriting expenses and slight decreases in net premiums written.

Loss on debt extinguishment
In the third quarter of 2022, the $11.6 million loss on debt extinguishment reflects a $4.8 million loss on the repurchase of $14.0 million in aggregate principal of our 9% Debentures and a loss of $6.8 million on the redemption of our 2023 Senior Notes at costs that were in excess of their carrying value.

In the first nine months of 2022, the $40.1 million loss on debt extinguishment reflects loss of $32.0 million on the repurchase of $88.9 in aggregate principal of our 9% Debentures, a loss of $6.8 million on the redemption of our 2023 Senior Notes at costs in excess of their carrying value, and a prepayment fee of $1.3 million on the repayment of our FHLB advance.
Provision for income taxes and effective tax rate
Income tax provision and effective tax rate
Three Months Ended September 30,Nine Months Ended September 30,
(In millions, except rate)2022202120222021
Income before tax$314.3 $199.7 $849.6 $583.2 
Provision for income taxes$64.6 $41.8 $175.7 $122.2 
Effective tax rate20.6 %20.9 %20.7 %21.0 %

Our effective tax rate for the three and nine months ended September 30, 2022 and 2021 approximated the statutory tax rate of 21%.







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Balance Sheet Review
The following sections mainly focus on the major developments on our Consolidated Balance Sheet since December 31, 2021.

Consolidated balance sheets - Assets
(in thousands)September 30, 2022December 31, 2021% Change
Investments$5,415,717 $6,606,749 (18)
Cash and cash equivalents249,758 304,958 (18)
Premiums receivable57,654 56,540 2 
Reinsurance recoverable on loss reserves46,384 66,905 (31)
Deferred incomes taxes, net122,228 — N/M
Other assets262,375 289,856 (9)
Total Assets$6,154,116 $7,325,008 (16)

Investments - Our investments decreased to $5.4 billion as of September 30, 2022 from $6.6 billion as of December 31, 2021. The decrease is primarily due to a decrease in the fair value of our investment portfolio due to the increase in the prevailing market interest rates and the use of our investment portfolio to reduce debt outstanding.

The average duration and investment yield of our investment portfolio as of September 30, 2022 and December 31, 2021 are shown in the table below.
Portfolio duration and embedded investment yield
September 30, 2022
December 31, 2021
Duration (in years)4.44.5
Pre-tax yield (1)
2.9%2.5%
After-tax yield (1)
2.3%2.1%
(1)Embedded investment yield is calculated on a yield-to-worst basis.

The security ratings of our fixed income investments as of September 30, 2022 and December 31, 2021 are shown in the following table.
Fixed income security ratings
Security Ratings (1)
PeriodAAAAAABBB
September 30, 202219%27%34%20%
December 31, 202118%26%36%20%
(1)Ratings are provided by one or more of: Moody's, Standard & Poor's and Fitch Ratings. If three ratings are available, the middle rating is used; if two FICO scores are available, the lower of the two is used; if only one FICO score is available, it is used.

Cash and cash equivalents (including restricted) - Our cash and cash equivalents balance decreased to $250 million as of September 30, 2022, from $305 million as of December 31, 2021, as net cash generated from operating activities was offset by cash used in investing and financing activities.


Income Taxes - Our current income tax liability was $6.4 million and $3.3 million at September 30, 2022 and December 31, 2021, respectively, and is included as a component of other liabilities in our consolidated balance sheets. Our deferred tax asset was $122.2 million at September 30, 2022. Our deferred income tax liability was $39.4 million at December 31, 2021 and is included as a component of other liabilities in our consolidated balance sheets. The change in our deferred income tax asset and liability was primarily due to the tax effect of unrealized losses generated by the investment portfolio during the first nine months of 2022. We owned $595.7 million and $426.3 million of tax and loss bonds at September 30, 2022 and December 31, 2021, respectively.

Consolidated balance sheets - Liabilities and equity
(in thousands)September 30, 2022December 31, 2021% Change
Loss reserves$603,370 $883,522 (32)
Unearned premiums207,935 241,690 (14)
Long-term debt662,653 1,146,712 (42)
Other liabilities140,097 191,702 (27)
Total Liabilities$1,614,055 $2,463,626 (34)
Common stock371,353 371,353 — 
Paid-in capital1,792,043 1,794,906 — 
Treasury stock(970,870)(675,265)44 
Accumulated other comprehensive income (loss), net of tax(495,525)119,697 (514)
Retained earnings3,843,060 3,250,691 18 
Shareholders’ equity$4,540,061 $4,861,382 (7)

Loss reserves and Reinsurance recoverable on loss reserves - Our loss reserves include estimates of losses and settlement expenses on (1) loans in our delinquency inventory (known as case reserves), (2) IBNR delinquencies, and (3) LAE. Our gross reserves are reduced by reinsurance recoverable on loss reserves to calculate a net reserve balance. Loss reserves decreased by 32% to $603 million as of September 30, 2022, from $884 million as of December 31, 2021. Reinsurance recoverables on loss reserves were $46 million and $67 million as of September 30, 2022 and December 31, 2021, respectively. The decrease in loss reserves is primarily due to favorable development of $327.5 million on previously received delinquency notices, partially offset by loss reserves established on new delinquency notices.

Long-term debt - Our long-term debt decreased to $662.7 million as of September 30, 2022 from $1,146.7 million as of December 31, 2021. In 2022 we repurchased $88.9 million in aggregate principal amount of our 9% Debentures, repaid the outstanding balance of the FHLB Advance of $155.0 million and we redeemed the $242.3 million of aggregate principal outstanding on our 5.75% Senior Notes due in 2023.

Shareholder’s equity - The decrease in shareholders’ equity represents a decrease in the fair value of our investments portfolio, repurchases of our common stock and dividends paid, partially offset by net income in the first nine months of 2022.

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Liquidity and Capital Resources

Consolidated Cash Flow Analysis
We have three primary types of cash flows: (1) operating cash flows, which consist mainly of cash generated by our insurance operations and income earned on our investment portfolio, less amounts paid for claims, interest expense and operating expenses, (2) investing cash flows related to the purchase, sale and maturity of investments and purchases of property and equipment and (3) financing cash flows generally from activities that impact our capital structure, such as changes in debt and shares outstanding, and dividend payments. The following table summarizes our consolidated cash flows from operating, investing and financing activities:
Summary of consolidated cash flows
Nine Months Ended September 30,
(In thousands)20222021
Total cash provided by (used in):
Operating activities$483,793 $512,410 
Investing activities380,962 (398,173)
Financing activities(919,955)(225,005)
Increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents$(55,200)$(110,768)
Net cash provided by operating activities for the nine months ended September 30, 2022 decreased compared to the same period of 2021 primarily due to an increase in income taxes paid, increase in underwriting and operating expenses paid, decrease in investment income, increase in realized losses, and a decrease in premiums received. This was partially offset by decreases in losses paid and the reinsurance recoverable on paid losses.

We also have purchase obligations totaling approximately $25 million which consist primarily of contracts related to our continued investment in our information technology infrastructure in the normal course of business. The majority of these obligations are under contracts that give us cancellation rights with notice. In the next twelve months we anticipate we will pay approximately $21.4 million for our purchase obligations.

Net cash provided by investing activities for the nine months ended September 30, 2022 primarily reflects sales and maturities of fixed income and equity securities during the period that exceeded purchases as proceeds were used in financing activities. Net cash used in investing activities for the nine months ended September 30, 2021 primarily reflects purchases of fixed income and equity securities during the period that exceeded sales and maturities of fixed income and equity securities during the period as cash from operations was available for additional investment.

Net cash used in financing activities for the nine months ended September 30, 2022 primarily reflects repurchase of our common stock, repayment of our 5.75% Notes and our FHLB Advance, the repurchase of a portion of our 9% Debentures and dividends to shareholders. Net cash used in financing activities for the nine months ended September 30, 2021 primarily reflects share repurchases and dividends to shareholders.
Capitalization
Debt - holding company
As of September 30, 2022, our holding company’s debt obligations were $0.7 billion in aggregate principal amount consisting of our 5.25% Notes, and 9% Debentures. In the first nine months of 2022 we repurchased $88.9 million in aggregate principal amount of our 9% Debentures resulting in a reduction in our potentially dilutive shares by approximately 6.8 million shares. We also redeemed the $242.3 million of aggregate principal outstanding on our 5.75% Notes due in 2023.

Liquidity analysis - holding company
As of September 30, 2022, we had approximately $352 million in cash and investments at our holding company. These resources are maintained primarily to service our debt interest expense, pay debt maturities, repurchase shares, repurchase debt, pay dividends to shareholders, and to settle intercompany obligations. While these assets are held, we generate investment income that serves to offset a portion of our cash requirements. The payment of dividends from MGIC are the principal sources of holding company cash inflow and their payment is restricted by insurance regulation. See Note 14 - “Statutory Information” to our consolidated financial statement for additional information about MGIC’s dividend restrictions. The payment of dividends from MGIC is also influenced by our view of the appropriate level of PMIERs Available Assets to maintain in excess of Minimum Required Assets. Other sources of holding company liquidity include raising capital in the public markets. The ability to raise capital in the public markets is subject to prevailing market conditions, investor demand for the securities to be issued, and our deemed creditworthiness.

In the first nine months of 2022 we paid $81.5 million in dividends to shareholders. On October 27, 2022, our Board of Directors declared a quarterly cash dividend of $0.10 per share, per share to shareholders of record on November 10, 2022, payable on November 23, 2022.

In the first nine months of 2022, our holding company cash and investments decreased by $311 million to $352 million as of September 30, 2022. The net unrealized losses on our holding company investment portfolio were approximately $15.6 million at September 30, 2022 and the portfolio had a modified duration of approximately 1.6 years.



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Significant cash and investments inflows at our holding company during the first nine months:
•$400.0 million dividends received,
•$93.8 million intercompany tax receipts, and
•$6.1 million of investment income.

Significant cash outflows at our holding company during the first nine months:
•$303.1 million of net share repurchase transactions,
•$248.4 million of 5.75% Notes redemption
•$120.9 million of 9% Debenture repurchases,
•$81.3 million of cash dividends paid to shareholders, and
•$52.0 million of interest payments on our 5.75% Notes, 5.25% Notes, and 9% Debentures.

MGIC paid cash dividends to our holding company of $400 million in the nine months ended September 30, 2022. Future dividend payments from MGIC to the holding company will be determined in consultation with the board, and after considering any updated estimates about our business. We ask the Wisconsin OCI not to object before MGIC pays dividends to the holding company. In November, 2022, MGIC paid a $400 million dividend to our holding company.

In the first nine months of 2022, we repurchased 21.7 million shares of our common stock using $306.2 million of holding company cash. As of September 30, 2022 we had remaining authorization to repurchase $193.8 million of our common stock through the end of 2023 under a share repurchase program approved by our Board of Directors in October 2021. In October 2022, we repurchased an additional $2.6 million shares totaling $33.2 million under the remaining authorization.

During the nine months ending September 30, 2022, we repurchased $88.9 million in aggregate principal amount of our 9% Debentures at a purchase price of $120.9 million plus accrued interest. We also redeemed the outstanding principal balance of the 5.75% Notes at a purchase price of $248.4 million plus accrued interest.

Scheduled debt maturities beyond the next twelve months include $650.0 million of our 5.25% Notes in 2028, and $21.3 million of our 9% Debentures in 2063. Subject to certain limitations and restrictions, holders of each of the 9% Debentures may convert their notes into shares of our common stock at their option under the terms of their issuance, in which case our corresponding obligation will be eliminated.

Over the next twelve months the principal demand on holding company resources will be interest payments on our 5.25% Notes and 9% Debentures approximating $36 million and dividends to shareholders. We believe our holding company has sufficient sources of liquidity to meet its payment obligations for the foreseeable future.

We may also use additional holding company cash to repurchase additional shares or to repurchase our outstanding debt obligations. Such repurchases may be material, may be made for cash (funded by debt) and/or exchanges for other securities, and may be made in open market purchases (including through 10b5-1 plans), privately negotiated
acquisitions or other transactions. See "Overview-Capital" of this MD&A for a discussion for a discussion of our share repurchase programs.

See Note 7 – “Debt” to our consolidated financial statements in our Annual Report on Form 10-K for the year ended December 31, 2021 for additional information about the conversion terms of our 9% Debentures and the terms of our indebtedness, including our option to defer interest on our 9% Debentures. The description in Note 7 - “Debt” to our consolidated financial statements in our Annual Report on Form 10-K is qualified in its entirety by the terms of the notes and debentures.

Debt at subsidiaries
MGIC is a member of the FHLB, which provides MGIC access to an additional source of liquidity via a secured lending facility. In the first quarter of 2022, we prepaid the outstanding principal balance of $155.0 million on the FHLB Advance at a prepayment price of $156.3 million, incurring a prepayment fee of $1.3 million.

Capital Adequacy
PMIERs
As of September 30, 2022, MGIC’s Available Assets under the PMIERs totaled approximately $5.9 billion, an excess of approximately $2.6 billion over its Minimum Required Assets; and MGIC is in compliance with the requirements of the PMIERs and eligible to insure loans delivered to or purchased by the GSEs. Our reinsurance transactions provided an aggregate of approximately $2.5 billion of capital credit under the PMIERs as of September 30, 2022. Refer to Note 4 - “Reinsurance” to our consolidated financial statements for additional information on our reinsurance transactions.

The PMIERS generally require us to hold significantly more Minimum Required Assets for delinquent loans than for performing loans and the Minimum Required Assets required to be held increases as the number of payments missed on a delinquent loan increases.

Refer to “Overview - Capital - GSEs” of this MD&A and our risk factor titled “We may not continue to meet the GSEs’ private mortgage insurer eligibility requirements and our returns may decrease if we are required to maintain more capital in order to maintain our eligibility” for further discussion of PMIERs.

Risk-to-capital
The insurance laws of 16 jurisdictions, including Wisconsin, our domiciliary state, require a mortgage insurer to maintain a minimum amount of statutory capital relative to its RIF (or a similar measure) in order for the mortgage insurer to continue to write new business. While they vary among jurisdictions, the most common State Capital Requirements allow for a maximum risk-to-capital ratio of 25 to 1.

We compute our risk-to-capital ratio on a separate company statutory basis, as well as on a combined insurance operation basis. The risk-to-capital ratio is our net RIF divided by our policyholders’ position. Our net RIF includes both primary and pool risk in force, net of reinsurance and excludes risk on policies that are currently in default and for which loss reserves have been established. The risk amount includes pools of loans with contractual aggregate loss limits and without these limits. MGIC’s policyholders’ position consists primarily of statutory

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policyholders’ surplus (which increases as a result of statutory net income and decreases as a result of statutory net loss and dividends paid), plus the statutory contingency reserve. The statutory contingency reserve is reported as a liability on the statutory balance sheet. A mortgage insurance company is required to make annual additions to the contingency reserve of approximately 50% of earned premiums. These contributions must generally be maintained for a period of ten years. However, with regulatory approval a mortgage insurance company may make early withdrawals from the contingency reserve when incurred losses exceed 35% of earned premiums in a calendar year.

The table below presents our risk-to-capital calculation:
Risk-to-capital - MGIC
(In millions, except ratio)September 30, 2022December 31, 2021
RIF - net (1)
53,699 $50,298 
Statutory policyholders’ surplus1,228 1,217 
Statutory contingency reserve4,461 4,056 
Statutory policyholders’ position$5,689 $5,273 
Risk-to-capital9.4:19.5:1
(1)RIF – net, as shown in the table above is net of reinsurance and exposure on policies currently delinquent ($1.4 billion at September 30, 2022 and $1.8 billion December 31, 2021) for which loss reserves have been established.

For additional information regarding regulatory capital see Note 14 – “Statutory Information” to our consolidated financial statements as well as our Risk Factor titled “State Capital requirements may prevent us from continuing to write new insurance on an uninterrupted basis.”

Financial Strength Ratings
MGIC financial strength ratings
Rating AgencyRatingOutlook
Moody’s Investor ServicesA3Stable
Standard and Poor’s Rating ServicesBBB+Stable
A.M. BestA-Stable

MAC financial strength ratings
Rating AgencyRatingOutlook
A.M. BestA-Stable

For further information about the importance of MGIC’s ratings, see our Risk Factor titled “Competition or changes in our relationships with our customers could reduce our revenues, reduce our premium yields and / or increase our losses.”


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Forward Looking Statements and Risk Factors
General: Our business, results of operations, and financial condition could be affected by the Risk Factors referred to under “Location of Risk Factors” below. These Risk Factors are an integral part of Management’s Discussion and Analysis.

These factors may also cause actual results to differ materially from the results contemplated by forward looking statements that we may make. Forward looking statements consist of statements which relate to matters other than historical fact. Among others, statements that include words such as we “believe,” “anticipate” or “expect,” or words of similar import, are forward looking statements. These Risk Factors speak only as of the date of this filing and are subject to change without notice as the Company cannot predict all risks relating to this evolving set of events. We are not undertaking any obligation to update any forward looking statements we may make even though these statements may be affected by events or circumstances occurring after the forward looking statements were made. Therefore, no reader of this document should rely on these statements being current as of any time other than the time at which this document was filed with the Securities and Exchange Commission.

While we communicate with security analysts from time to time, it is against our policy to disclose to them any material non-public information or other confidential information. Accordingly, investors should not assume that we agree with any statement or report issued by any analyst irrespective of the content of the statement or report, and such reports are not our responsibility.

Location of Risk Factors: The Risk Factors are in Item 1 A of our Annual Report on Form 10-K for the year ended December 31, 2021, as supplemented by Part II, Item 1 A of our Quarterly Report on Form 10-Q for the quarters ended March 31, 2022 and June 30, 2022 and Part II, Item 1 A of this Quarterly Report on Form 10-Q. The Risk Factors in the 10-K, as supplemented by those 10‑Qs and through updating of various statistical and other information, are reproduced in Exhibit 99 to this Quarterly Report on Form 10-Q.

Item 3. Quantitative and Qualitative Disclosures about Market Risk
Our investment portfolio is essentially a fixed income portfolio and is exposed to market risk. Important drivers of the market risk are credit spread risk and interest rate risk.

Credit spread risk is the risk that we will incur a loss due to adverse changes in credit spreads. Credit spread is the additional yield on fixed income securities above the risk-free rate (typically referenced as the yield on U.S. Treasury securities) that market participants require to compensate them for assuming credit, liquidity and/or prepayment risks.

We manage credit risk via our investment policy guidelines which primarily place our investments in investment grade securities and limit the amount of our credit exposure to any one issue, issuer and type of instrument. Guideline and investment portfolio detail is available in "Business – Section C, Investment Portfolio" in Item 1 of our Annual Report on Form 10-K for the year ended December 31, 2021.

Interest rate risk is the risk that we will incur a loss due to adverse changes in interest rates relative to the characteristics of our interest bearing assets.

One of the measures used to quantify this exposure is modified duration. Modified duration measures the price sensitivity of the assets to the changes in spreads. At September 30, 2022, the modified duration of our fixed income investment portfolio was 4.4 years, which means that an instantaneous parallel shift in the yield curve of 100 basis points would result in a change of 4.4% in the fair value of our fixed income portfolio. For an upward shift in the yield curve, the fair value of our portfolio would decrease and for a downward shift in the yield curve, the fair value would increase. See Note 7 – “Investments” to our consolidated financial statements for additional disclosure surrounding our investment portfolio.

Item 4. Controls and Procedures
Our management, with the participation of our principal executive officer and principal financial officer, has evaluated our disclosure controls and procedures (as defined in Rule 13a-15(e) under the Securities Exchange Act of 1934, as amended), as of the end of the period covered by this Quarterly Report on Form 10-Q. Based on such evaluation, our principal executive officer and principal financial officer concluded that such controls and procedures were effective as of the end of such period. There was no change in our internal control over financial reporting that occurred during the third quarter of 2022 that materially affected, or is reasonably likely to materially affect, our internal control over financial reporting.


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PART II. OTHER INFORMATION

Item 1. Legal Proceedings
Certain legal proceedings arising in the ordinary course of business may be filed or pending against us from time to time. For information about such legal proceedings, you should review Note 5 - “Litigation and Contingencies” to our consolidated financial statements and our Risk Factor titled “We are subject to the risk of legal proceedings in the future” below.

Item 1 A. Risk Factors
With the exception of the changes described and set forth below, there have been no material changes in our Risk Factors from the risk factors disclosed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2021, as supplemented by Part II, Item I A of our Quarterly Report on Form 10-Q for the Quarters ended March 31, 2022, June 30, 2022, and September 30, 2022. The risk factors in the 10-K, as supplemented by those 10-Qs and this 10-Q and through updating of various statistical and other information, are reproduced in their entirety in Exhibit 99 to this Quarterly Report on Form 10‑Q.
Risk Factors Related to Global Events
The COVID-19 pandemic may materially impact our future financial results, business, liquidity and/or financial condition.
The COVID-19 pandemic materially impacted our 2020 financial results. While the initial impact of COVID-19 on our business has moderated, the extent to which COVID-19 may materially impact our future financial results, business, liquidity and/or financial condition is uncertain and cannot be predicted. The magnitude of any future impact could be influenced by various factors, including the length and severity of the pandemic in the United States, efforts to reduce the transmission of COVID-19, the level of unemployment, government initiatives and actions taken by Fannie Mae and Freddie Mac (the "GSEs") (including mortgage forbearance and modification programs), and the overall effects of COVID-19 on the economy.

The COVID-19 pandemic may impact our business in various ways, including the following which are described in more detail in the remainder of these risk factors:
•Our incurred losses will increase if loan delinquencies increase. We establish reserves for insurance losses when delinquency notices are received on loans that are two or more payments past due and for loans we estimate are delinquent prior to the close of the accounting period but for which delinquency notices have not yet been received (which are included in “IBNR”). In addition, our estimates of the number of delinquencies for which we will ultimately receive claims, and the amount, or severity, of each claim, may increase.
•We may be required to maintain more capital under the private mortgage insurer eligibility requirements ("PMIERs") of the GSEs, which generally require more capital to be held for delinquent loans than for performing loans and require more capital to be held as the number of payments missed on delinquent loans increases.
•If the number of delinquencies increases, the number of claims we must pay over time will generally increase.
•Our access to the reinsurance and capital markets may be limited and the terms under which we are able to access such markets may be negatively impacted.
Risk Factors Relating to the Mortgage Insurance Industry and its Regulation
Downturns in the domestic economy or declines in home prices may result in more homeowners defaulting and our losses increasing, with a corresponding decrease in our returns.
Losses result from events that reduce a borrower’s ability or willingness to make mortgage payments, such as unemployment, health issues, changes in family status, and decreases in home prices that result in the borrower's mortgage balance exceeding the net value of the home. A deterioration in economic conditions, including an increase in unemployment, generally increases the likelihood that borrowers will not have sufficient income to pay their mortgages and can also adversely affect home prices.
High levels of unemployment may result in an increasing number of loan delinquencies and an increasing number of insurance claims; however, unemployment is difficult to predict given the uncertainty in the current market environment, including as a result of global events such as the COVID-19 pandemic, the Russia-Ukraine war, and the possibility of an economic recession. Since the beginning of 2021, inflation has increased dramatically. The impact that higher inflation rates will have on loan delinquencies is unknown.
The seasonally-adjusted Purchase-Only U.S. Home Price Index of the Federal Housing Finance Agency (the “FHFA”), which is based on single-family properties whose mortgages have been purchased or securitized by Fannie Mae or Freddie Mac, indicates that home prices fell nationwide in August 2022, down 0.7% from the previous month. The 12 month change in home prices remains at historically high rates, but the rate of growth is moderating: it increased by 6.6% in the first eight months of 2022, after increasing 8.0% during the first five months of 2022, and 17.9%, 11.7%, and 5.9% in 2021, 2020 and 2019, respectively. The national average price-to-income ratio exceeds its historical average, in part as a result of recent home price appreciation outpacing increases in income. Affordability issues and the significant increase in interest rates in recent months has put downward pressure on home prices. Recent third-party forecasts predict that home prices will decline further. This decline may occur even absent a deterioration in economic conditions due to declines in demand for homes, which in turn may result from changes in buyers’ perceptions of the potential for future appreciation, restrictions on and the cost of mortgage credit due to more stringent underwriting standards, higher interest rates, changes to the tax deductibility of mortgage interest, decreases in the rate of household formations, or other factors.

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Reinsurance may not always be available or its cost may increase.
We have in place QSR and XOL reinsurance transactions providing various amounts of coverage on 94% of our risk in force as of September 30, 2022. Refer to Part 1, Note 4 – “Reinsurance” and Part 1, Item 2 “Consolidated Results of Operations – Reinsurance Transactions” of our Quarterly Report on Form 10-Q, for more information about coverage under our reinsurance transactions. The reinsurance transactions reduce the tail-risk associated with stress scenarios. As a result, they reduce the capital that we are required to hold to support the risk and they allow us to earn higher returns on our business than we would without them. However, reinsurance may not always be available to us or available on similar terms, the reinsurance transactions subject us to counterparty credit risk, and the GSEs may change the credit they allow under the PMIERs for risk ceded under our reinsurance transactions. Most of our XOL transactions were entered into in capital market transactions with special purpose insurers that issued notes linked to the reinsurance coverage ("Insurance Linked Notes" or "ILNs"). Our access to reinsurance may be disrupted and the terms under which we are able to obtain reinsurance may be less attractive than in the past due to volatility stemming from circumstances such as higher interest rates, increased inflation, global events such as the Russia-Ukraine war, and other factors. In 2022, execution of transactions for XOL reinsurance through the ILN market has been more challenging, with increased pricing, transactions being down-sized, and generally fewer transactions being executed by mortgage insurers. If we are unable to obtain reinsurance for our insurance written, the capital required to support our insurance written will not be reduced as discussed above and our returns may decrease absent an increase in our premium rates. An increase in our premium rates may lead to a decrease in our NIW.
State capital requirements may prevent us from continuing to write new insurance on an uninterrupted basis.
The insurance laws of 16 jurisdictions, including Wisconsin, MGIC's domiciliary state, require a mortgage insurer to maintain a minimum amount of statutory capital relative to its risk in force (or a similar measure) in order for the mortgage insurer to continue to write new business. We refer to these requirements as the “State Capital Requirements.” While they vary among jurisdictions, the most common State Capital Requirements allow for a maximum risk-to-capital ratio of 25 to 1. A risk-to-capital ratio will increase if (i) the percentage decrease in capital exceeds the percentage decrease in insured risk, or (ii) the percentage increase in capital is less than the percentage increase in insured risk. Wisconsin does not regulate capital by using a risk-to-capital measure but instead requires a minimum policyholder position (“MPP”). MGIC's “policyholder position” includes its net worth or surplus, and its contingency reserve.
At September 30, 2022 MGIC’s risk-to-capital ratio was 9.4 to 1, below the maximum allowed by the jurisdictions with State Capital Requirements, and its policyholder position was $3.7 billion above the required MPP of $2.0 billion. Our risk-to-capital ratio and MPP reflect full credit for the risk ceded under our quota share reinsurance and excess of loss transactions in the ILN market and traditional reinsurance market with unaffiliated reinsurers. It is possible that under the revised State Capital Requirements discussed below, MGIC will not be allowed full credit for the risk ceded under such transactions. If MGIC is not allowed an agreed level of credit under the State Capital
Requirements, MGIC may terminate the reinsurance transactions, without penalty.
The NAIC previously announced plans to revise the State Capital Requirements that are provided for in its Mortgage Guaranty Insurance Model Act. In December 2019, a working group of state regulators released an exposure draft of a revised Mortgage Guaranty Insurance Model Act and a risk-based capital framework to establish capital requirements for mortgage insurers, although certain items were not completely addressed by the framework, including the treatment of ceded risk and minimum capital floors. In October 2022, the NAIC working group released a revised exposure draft of the Mortgage Guaranty Insurance Model Act that does not include changes to the capital requirements of the existing Model Act.
While MGIC currently meets the State Capital Requirements of Wisconsin and all other jurisdictions, it could be prevented from writing new business in the future in all jurisdictions if it fails to meet the State Capital Requirements of Wisconsin, or it could be prevented from writing new business in a particular jurisdiction if it fails to meet the State Capital Requirements of that jurisdiction, and in each case if MGIC does not obtain a waiver of such requirements. It is possible that regulatory action by one or more jurisdictions, including those that do not have specific State Capital Requirements, may prevent MGIC from continuing to write new insurance in such jurisdictions. If we are unable to write business in a particular jurisdiction, lenders may be unwilling to procure insurance from us anywhere. In addition, a lender’s assessment of the future ability of our insurance operations to meet the State Capital Requirements or the PMIERs may affect its willingness to procure insurance from us. In this regard, see our risk factor titled “Competition or changes in our relationships with our customers could reduce our revenues, reduce our premium yields and/or increase our losses.” A possible future failure by MGIC to meet the State Capital Requirements or the PMIERs will not necessarily mean that MGIC lacks sufficient resources to pay claims on its insurance liabilities. You should read the rest of these risk factors for information about matters that could negatively affect MGIC’s compliance with State Capital Requirements and its claims paying resources.



MGIC Investment Corporation - Q3 2022 | 62

Risk Factors Relating to Our Business Generally
We are subject to the risk of legal proceedings.
Before paying an insurance claim, generally we review the loan and servicing files to determine the appropriateness of the claim amount. When reviewing the files, we may determine that we have the right to rescind coverage or deny a claim on the loan (both referred to herein as “rescissions”). In addition, our insurance policies generally provide that we can reduce a claim if the servicer did not comply with its obligations under our insurance policy (such reduction referred to as a “curtailment”). In recent years, an immaterial percentage of claims received have been resolved by rescissions. In the first three quarters of 2022 and in 2021, curtailments reduced our average claim paid by approximately 7.7% and 3.9%, respectively. The COVID-19-related foreclosure moratoriums and forbearance plans decreased our claims paid activity beginning in the second quarter of 2020. It is difficult to predict the level of curtailments once foreclosure activity returns to a more typical level. Our loss reserving methodology incorporates our estimates of future rescissions, curtailments, and reversals of rescissions and curtailments. A variance between ultimate actual rescission, curtailment and reversal rates and our estimates, as a result of the outcome of litigation, settlements or other factors, could materially affect our losses.
When the insured disputes our right to rescind coverage or curtail claims, we generally engage in discussions in an attempt to settle the dispute. If we are unable to reach a settlement, the outcome of a dispute ultimately may be determined by legal proceedings. Under ASC 450-20, until a loss associated with settlement discussions or legal proceedings becomes probable and can be reasonably estimated, we consider our claim payment or rescission resolved for financial reporting purposes and do not accrue an estimated loss. When we determine that a loss is probable and can be reasonably estimated, we record our best estimate of our probable loss. In those cases, until settlement negotiations or legal proceedings are concluded (including the receipt of any necessary GSE approvals), it is possible that we will record an additional loss.
We have been named as a third-party defendant in a lawsuit that involves refunds of mortgage insurance premiums under the Homeowners Protection Act. We are monitoring litigation addressing similar issues in which we have not been named a defendant. We are unable to assess the potential impact of any such litigation at this time. In addition, from time to time, we are involved in other disputes and legal proceedings in the ordinary course of business. In our opinion, based on the facts known at this time, the ultimate resolution of these ordinary course disputes and legal proceedings will not have a material adverse effect on our financial position or results of operations.
The mix of business we write affects our Minimum Required Assets under the PMIERs, our premium yields and the likelihood of losses occurring.
The Minimum Required Assets under the PMIERs are, in part, a function of the direct risk-in-force and the risk profile of the loans we insure, considering LTV ratio, credit score, vintage, Home Affordable Refinance Program ("HARP") status and delinquency status; and whether the loans were insured under lender-paid mortgage insurance policies or other policies that are not subject to automatic termination consistent with the Homeowners Protection Act requirements for borrower-paid mortgage insurance. Therefore, if our direct risk-in-force increases through increases in NIW, or if our mix of business changes to include loans with higher LTV ratios or lower FICO scores, for example, all other things equal, we will be required to hold more Available Assets in order to maintain GSE eligibility.
The percentage of our NIW from all single premium policies was 4.4% in the first three quarters of 2022 and 7.4% in full year 2021, and has ranged from 4.4% in 2022 to 19.0% in 2017. Depending on the actual life of a single premium policy and its premium rate relative to that of a monthly premium policy, a single premium policy may generate more or less premium than a monthly premium policy over its life.
As discussed in our risk factor titled "Reinsurance may not always be available or its cost may increase," we have in place various QSR transactions. Although the transactions reduce our premiums, they have a lesser impact on our overall results, as losses ceded under the transactions reduce our losses incurred and the ceding commissions we receive reduce our underwriting expenses. The effect of the QSR transactions on the various components of pre-tax income will vary from period to period, depending on the level of ceded losses incurred. We also have in place various XOL reinsurance transactions under which we cede premiums. Under the XOL reinsurance transactions, for the respective reinsurance coverage periods, we retain the first layer of aggregate losses and the reinsurers provide second layer coverage up to the outstanding reinsurance coverage amount.
In addition to the effect of reinsurance on our premiums, we expect a decline in our premium yield because an increasing percentage of our insurance in force is from recent book years whose premium rates had been trending lower.
Our ability to rescind insurance coverage became more limited for new insurance written beginning in mid-2012, and it became further limited for new insurance written under our revised master policy that became effective March 1, 2020. These limitations may result in higher losses paid than would be the case under our previous master policies. In addition, our rescission rights temporarily have become more limited due to accommodations we made in connection with the COVID-19 pandemic. We waived our rescission rights in certain circumstances where the failure to make payments was associated with a COVID-19 pandemic-related forbearance.
From time to time, in response to market conditions, we change the types of loans that we insure. We also may change our underwriting guidelines, including by agreeing with certain approval recommendations from a GSE automated underwriting system. We also make exceptions to our underwriting requirements on a loan-by-loan basis and for certain customer programs. Our underwriting requirements are available on our website at http://www.mgic.com/underwriting/index.html.

MGIC Investment Corporation - Q3 2022 | 63


Even when home prices are stable or rising, mortgages with certain characteristics have higher probabilities of claims. As of September 30, 2022, mortgages with these characteristics in our primary risk in force included mortgages with LTV ratios greater than 95% (15.1%), mortgages with borrowers having FICO scores below 680 (7.2%), including those with borrowers having FICO scores of 620-679 (6.3%), mortgages with limited underwriting, including limited borrower documentation (0.8%), and mortgages with borrowers having DTI ratios greater than 45% (or where no ratio is available) (15.2%), each attribute as determined at the time of loan origination. Loans with more than one of these attributes accounted for 4.4% of our primary risk in force as of September 30, 2022, and 3.4% of our NIW in the first three quarters of 2022 and less than one percent of our NIW in the first three quarters of 2021. When home prices increase, interest rates increase and/or the percentage of our NIW from purchase transactions increases, our NIW on mortgages with higher LTV ratios and higher DTI ratios may increase. Our NIW on mortgages with LTV ratios greater than 95% increased from 11% in the first three quarters of 2021 to 13% in the first three quarters of 2022 and our NIW on mortgages with DTI ratios greater than 45% increased from 13% in the first three quarters of 2021 to 21% in the first three quarters of 2022.

From time to time, we change the processes we use to underwrite loans. For example: we rely on information provided to us by lenders that was obtained from certain of the GSEs’ automated appraisal and income verification tools, which may produce results that differ from the results that would have been determined using different methods; we accept GSE appraisal waivers for certain refinance loans, the numbers of which have increased significantly beginning in 2020; and we accept GSE appraisal flexibilities that allow property valuations in certain transactions to be based on appraisals that do not involve an onsite or interior inspection of the property. Our acceptance of automated GSE appraisal and income verification tools, GSE appraisal waivers and GSE appraisal flexibilities may affect our pricing and risk assessment. We also continue to further automate our underwriting processes and it is possible that our automated processes result in our insuring loans that we would not otherwise have insured under our prior processes.
Approximately 72% of our first three quarters 2022 and 72% of our 2021 NIW was originated under delegated underwriting programs pursuant to which the loan originators had authority on our behalf to underwrite the loans for our mortgage insurance. For loans originated through a delegated underwriting program, we depend on the originators' compliance with our guidelines and rely on the originators' representations that the loans being insured satisfy the underwriting guidelines, eligibility criteria and other requirements. While we have established systems and processes to monitor whether certain aspects of our underwriting guidelines were being followed by the originators, such systems may not ensure that the guidelines were being strictly followed at the time the loans were originated.
The widespread use of risk-based pricing systems by the private mortgage insurance industry (discussed in our risk factor titled "Competition or changes in our relationships with our customers could reduce our revenues, reduce our premium yields and / or increase our losses") makes it more difficult to compare our premium rates to those offered by our competitors. We may not be aware of industry rate changes until we observe that our mix
of new insurance written has changed and our mix may fluctuate more as a result.
If state or federal regulations or statutes are changed in ways that ease mortgage lending standards and/or requirements, or if lenders seek ways to replace business in times of lower mortgage originations, it is possible that more mortgage loans could be originated with higher risk characteristics than are currently being originated, such as loans with lower FICO scores and higher DTI ratios. The focus of the new FHFA leadership on increasing homeownership opportunities for borrowers is likely to have this effect. Lenders could pressure mortgage insurers to insure such loans, which are expected to experience higher claim rates. Although we attempt to incorporate these higher expected claim rates into our underwriting and pricing models, there can be no assurance that the premiums earned and the associated investment income will be adequate to compensate for actual losses paid even under our current underwriting requirements.



MGIC Investment Corporation - Q3 2022 | 64

Item 2. Unregistered Sale of Equity Securities and Use of Proceeds

Issuer Purchases of Equity Securities
The following table provides information about purchases of MGIC Investment Corporation common stock by us during the three months ended September 30, 2022.
Share repurchases
Period BeginningPeriod EndingTotal number of shares purchasedAverage price paid per shareTotal number of shares purchased as part of publicly announced plans or programs
Approximate dollar value of shares that may yet be purchased under the programs (1)
July 1, 2022July 31, 20222,097,934 $13.31 2,097,934 $250,204,754 
August 1, 2022August 31, 20221,833,804 $14.75 1,833,804 $223,163,674 
September 1, 2022September 30, 20222,131,690 $13.77 2,131,690 $193,815,512 
6,063,428 $13.90 6,063,428 

(1)In October 2021, our Board of Directors authorized a share repurchase program under which as of September 30, 2022, we may repurchase up to an additional $194 million of our common stock through the end of 2023. Repurchases may be made from time to time on the open market (including through 10b5-1 plans) or through privately negotiated transactions. The repurchase program may be suspended for periods or discontinued at any time.


Item 6. Exhibits
The accompanying Index to Exhibits is incorporated by reference in answer to this portion of this Item, and except as otherwise indicated in the next sentence, the Exhibits listed in such Index are filed as part of this Form 10-Q. Exhibit 32 is not filed as part of this Form 10-Q but accompanies this Form 10-Q.

(Part II, Item 6)

Index to exhibits
Exhibit NumberDescription of ExhibitFormExhibit(s)Filing Date
Certification of CEO under Section 302 of Sarbanes-Oxley Act of 2002 †
Certification of CFO under Section 302 of Sarbanes-Oxley Act of 2002 †
Certification of CEO and CFO under Section 906 of Sarbanes-Oxley Act of 2002 (as indicated in Item 6 of Part II, this Exhibit is not being “filed”) ††
Risk Factors included in Item 1A of our Annual Report on Form 10-K for the year ended December 31, 2021, as supplemented by Part II, Item 1A of our Quarterly Reports on Form 10-Q for the quarters ended March 31, June 30, and September 30, 2022 and through updating of various statistical and other information †
101.INSInline XBRL Instance Document
101.SCHInline XBRL Taxonomy Extension Schema Document
101.CALInline XBRL Taxonomy Extension Calculation Linkbase Document
101.DEFInline XBRL Taxonomy Extension Definition Linkbase Document
101.LABInline XBRL Taxonomy Extension Label Linkbase Document
101.PREInline XBRL Taxonomy Extension Presentation Linkbase Document
104Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101)

*     Denotes a management contract or compensatory plan.
†    Filed herewith.
††    Furnished herewith.


MGIC Investment Corporation - Q3 2022 | 65

SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized, on November 2, 2022.


MGIC INVESTMENT CORPORATION
 
/s/ Nathaniel H. Colson
Nathaniel H. Colson
Executive Vice President and
Chief Financial Officer
 
/s/ Julie K. Sperber
Julie K. Sperber
Vice President, Controller and Chief Accounting Officer

MGIC Investment Corporation - Q3 2022 | 66
 EX-31.1 2 exhibit31110q2022q32022.htm EX-31.1 Document

Exhibit 31.1
CERTIFICATIONS

I, Timothy J. Mattke, certify that:

1.I have reviewed this quarterly report on Form 10-Q of MGIC Investment Corporation;
2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
4.The registrant's other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and we have:
a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
c)Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
d)Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and
5.The registrant's other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of registrant's board of directors (or persons performing the equivalent functions):
a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and
b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.

Date:  November 2, 2022

/s/ Timothy J. Mattke
Timothy J. Mattke
Chief Executive Officer


 EX-31.2 3 exhibit31210q2022q32022.htm EX-31.2 Document

Exhibit 31.2

CERTIFICATIONS

I, Nathan H. Colson, certify that:

1.I have reviewed this quarterly report on Form 10-Q of MGIC Investment Corporation;
2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
4.The registrant's other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and we have:
a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
c)Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
d)
Disclosed in this report any change in the registrant's internal control over financial reporting that occurred during the registrant's most recent fiscal quarter (the registrant's fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant's internal control over financial reporting; and


5.The registrant's other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of registrant's board of directors (or persons performing the equivalent functions):
a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and
b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.

Date:  November 2, 2022

/s/ Nathan H. Colson
Nathan H. Colson
Chief Financial Officer


 EX-32 4 exhibit3210q2022q32022.htm EX-32 Document


Exhibit 32

SECTION 1350 CERTIFICATIONS

The undersigned, Timothy J. Mattke, Chief Executive Officer of MGIC Investment Corporation (the "Company"), and Nathan H. Colson, Chief Financial Officer of the Company, certify, pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S. C. Section 1350, that to our knowledge:

(1)the Quarterly Report on Form 10-Q of the Company for the three months ended September 30, 2022 (the "Report") fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and
(2)the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

Date: November 2, 2022

/s/ Timothy J. Mattke
Timothy J. Mattke
Chief Executive Officer
 
/s/ Nathan H. Colson
Nathan H. Colson
Chief Financial Officer


 EX-99 5 exhibit9910q2022q32022rf.htm EX-99 Document

Exhibit 99

Risk Factors

Risk Factors included in Item 1A of our Annual Report on Form 10-K for the year ended December 31, 2021, as supplemented by Part II, Item 1A of our Quarterly Reports on Form 10-Q for the quarters ended March 31, June 30, 2022, and September 30, 2022, and through updating of various statistical and other information.

As used below, “we,” “our” and “us” refer to MGIC Investment Corporation’s consolidated operations or to MGIC Investment Corporation, as the context requires; and “MGIC” refers to Mortgage Guaranty Insurance Corporation.

Risk Factors Relating to Global Events
The COVID-19 pandemic may materially impact our future financial results, business, liquidity and/or financial condition.
The COVID-19 pandemic materially impacted our 2020 financial results. While the initial impact of COVID-19 on our business has moderated, the extent to which COVID-19 may materially impact our future financial results, business, liquidity and/or financial condition is uncertain and cannot be predicted. The magnitude of any future impact could be influenced by various factors, including the length and severity of the pandemic in the United States, efforts to reduce the transmission of COVID-19, the level of unemployment, government initiatives and actions taken by Fannie Mae and Freddie Mac (the "GSEs") (including mortgage forbearance and modification programs), and the overall effects of COVID-19 on the economy.

The COVID-19 pandemic may impact our business in various ways, including the following which are described in more detail in the remainder of these risk factors:
•Our incurred losses will increase if loan delinquencies increase. We establish reserves for insurance losses when delinquency notices are received on loans that are two or more payments past due and for loans we estimate are delinquent prior to the close of the accounting period but for which delinquency notices have not yet been received (which are included in “IBNR”). In addition, our estimates of the number of delinquencies for which we will ultimately receive claims, and the amount, or severity, of each claim, may increase.
•We may be required to maintain more capital under the private mortgage insurer eligibility requirements ("PMIERs") of the GSEs, which generally require more capital to be held for delinquent loans than for performing loans and require more capital to be held as the number of payments missed on delinquent loans increases.
•If the number of delinquencies increases, the number of claims we must pay over time will generally increase.
•Our access to the reinsurance and capital markets may be limited and the terms under which we are able to access such markets may be negatively impacted.
The Russia-Ukraine war and/or other global events may adversely affect the U.S. economy and our business.
Russia's invasion of Ukraine has increased the already-elevated inflation rate, added more pressure to strained supply chains, and has increased volatility in the domestic and global financial markets. The war has impacted, and may impact, our business in various ways, including the following which are described in more detail in the remainder of these risk factors:
•The terms under which we are able to obtain excess-of-loss ("XOL") reinsurance through the insurance-linked notes ("ILN") market have been negatively impacted and terms under which we are able to access that market in the future may be less attractive.
•The risk of a cybersecurity incident that affects our company may have increased.
•An extended or broadened war may negatively impact the domestic economy, which may increase unemployment and inflation, or decrease home prices, in each case leading to an increase in loan delinquencies.
•The volatility in the financial markets may impact the performance of our investment portfolio and our investment portfolio may include investments in companies or securities that are negatively impacted by the war.
Risk Factors Relating to the Mortgage Insurance Industry and its Regulation
Downturns in the domestic economy or declines in home prices may result in more homeowners defaulting and our losses increasing, with a corresponding decrease in our returns.
Losses result from events that reduce a borrower’s ability or willingness to make mortgage payments, such as unemployment, health issues, changes in family status, and decreases in home prices that result in the borrower's mortgage balance exceeding the net value of the home. A deterioration in economic conditions, including an increase in unemployment, generally increases the likelihood that borrowers will not have sufficient income to pay their mortgages and can also adversely affect home prices.


High levels of unemployment may result in an increasing number of loan delinquencies and an increasing number of insurance claims; however, unemployment is difficult to predict given the uncertainty in the current market environment, including as a result of global events such as the COVID-19 pandemic, the Russia-Ukraine war, and the possibility of an economic recession. Since the beginning of 2021, inflation has increased dramatically. The impact that higher inflation rates will have on loan delinquencies is unknown.
The seasonally-adjusted Purchase-Only U.S. Home Price Index of the Federal Housing Finance Agency (the “FHFA”), which is based on single-family properties whose mortgages have been purchased or securitized by Fannie Mae or Freddie Mac, indicates that home prices fell nationwide in August 2022, down 0.7% from the previous month. The 12 month change in home prices remains at historically high rates, but the rate of growth is moderating: it increased by 6.6% in the first eight months of 2022, after increasing 8.0% during the first five months of 2022, and 17.9%, 11.7%, and 5.9% in 2021, 2020 and 2019, respectively. The national average price-to-income ratio exceeds its historical average, in part as a result of recent home price appreciation outpacing increases in income. Affordability issues and the significant increase in interest rates in recent months has put downward pressure on home prices. Recent third-party forecasts predict that home prices will decline further. This decline may occur even absent a deterioration in economic conditions due to declines in demand for homes, which in turn may result from changes in buyers’ perceptions of the potential for future appreciation, restrictions on and the cost of mortgage credit due to more stringent underwriting standards, higher interest rates, changes to the tax deductibility of mortgage interest, decreases in the rate of household formations, or other factors.
The future impact of COVID-19-related forbearance and foreclosure mitigation activities is unknown.
Forbearance for federally-insured mortgages (including those delivered to or purchased by the GSEs) whose borrowers were affected by COVID-19 allows mortgage payments to be suspended for a period generally ranging from 6 to 18 months. Historically, forbearance plans have reduced the incidence of our losses on affected loans. However, given the uncertainty surrounding the long-term economic impact of COVID-19, it is difficult to predict the ultimate effect of COVID-19 related forbearances on our loss incidence. Whether a loan delinquency will cure, including through modification, when forbearance ends will depend on the economic circumstances of the borrower at that time. The severity of losses associated with delinquencies that do not cure will depend on economic conditions at that time, including home prices.
Foreclosures on mortgages purchased or securitized by the GSEs were suspended through July 31, 2021. Under a CFPB rule that was effective through December 31, 2021, with limited exceptions, servicers were required to ensure that at least one temporary procedural safeguard had been met before referring 120-day delinquent loans for foreclosure. Given the expiration of the CFPB rule, it is likely that foreclosures and claims will increase.
We may not continue to meet the GSEs’ private mortgage insurer eligibility requirements and our returns may decrease if we are required to maintain more capital in order to maintain our eligibility.
We must comply with a GSE's PMIERs to be eligible to insure loans delivered to or purchased by that GSE. The PMIERs include financial requirements, as well as business, quality control and certain transaction approval requirements. The financial requirements of the PMIERs require a mortgage insurer’s “Available Assets” (generally only the most liquid assets of an insurer) to equal or exceed its “Minimum Required Assets” (which are generally based on an insurer’s book of risk in force and calculated from tables of factors with several risk dimensions, reduced for credit given for risk ceded under reinsurance agreements).
Based on our interpretation of the PMIERs, as of September 30, 2022, MGIC’s Available Assets totaled $5.9 billion, or $2.6 billion in excess of its Minimum Required Assets. MGIC is in compliance with the PMIERs and eligible to insure loans purchased by the GSEs. Our "Minimum Required Assets" reflect a credit for risk ceded under our quota share reinsurance ("QSR") and XOL reinsurance transactions, which are discussed in our risk factor titled "The mix of business we write affects our Minimum Required Assets under the PMIERs, our premium yields and the likelihood of losses occurring." The calculated credit for XOL reinsurance transactions under PMIERs is generally based on the PMIERs requirement of the covered loans and the attachment and detachment points of the coverage, all of which fluctuate over time. PMIERs credit is generally not given for the reinsured risk above the PMIERs requirement. The GSEs have discretion to further limit reinsurance credit under the PMIERs. Refer to “Consolidated Results of Operations – Reinsurance Transactions” in Part I, Item 2 of our Quarterly Report on Form 10-Q for information about the calculated PMIERs credit for our XOL transactions. There is a risk we will not receive our current level of credit in future periods for ceded risk. In addition, we may not receive the same level of credit under future reinsurance transactions that we receive under existing transactions. If MGIC is not allowed certain levels of credit under the PMIERs, under certain circumstances, MGIC may terminate the reinsurance transactions without penalty.
The PMIERs generally require us to hold significantly more Minimum Required Assets for delinquent loans than for performing loans and the Minimum Required Assets required to be held increases as the number of payments missed on a delinquent loan increases. If the number of loan delinquencies increases for reasons discussed in these risk factors, or otherwise, it may cause our Minimum Required Assets to exceed our Available Assets. We are unable to predict the ultimate number of loans that will become delinquent.
If our Available Assets fall below our Minimum Required Assets, we would not be in compliance with the PMIERs. The PMIERs provide a list of remediation actions for a mortgage insurer's non-compliance, with additional actions possible in the GSEs' discretion. At the extreme, the GSEs may suspend or terminate our eligibility to insure loans purchased by them. Such suspension or termination would significantly reduce the volume of our new insurance written ("NIW"), the substantial majority of which is for loans delivered to or purchased by the GSEs. In addition to the increase in Minimum Required Assets associated


with delinquent loans, factors that may negatively impact MGIC’s ability to continue to comply with the financial requirements of the PMIERs include the following:
•The GSEs may make the PMIERs more onerous in the future. The PMIERs provide that the factors that determine Minimum Required Assets will be updated periodically, or as needed if there is a significant change in macroeconomic conditions or loan performance. We do not anticipate that the regular periodic updates will occur more frequently than once every two years. The PMIERs state that the GSEs will provide notice 180 days prior to the effective date of updates to the factors; however, the GSEs may amend the PMIERs at any time, including by imposing restrictions specific to our company.
•The PMIERs may be changed in response to the final regulatory capital framework for the GSEs that was published in February 2022.
•Our future operating results may be negatively impacted by the matters discussed in the rest of these risk factors. Such matters could decrease our revenues, increase our losses or require the use of assets, thereby creating a shortfall in Available Assets.
Should capital be needed by MGIC in the future, capital contributions from our holding company may not be available due to competing demands on holding company resources, including for repayment of debt.
Because we establish loss reserves only upon a loan delinquency rather than based on estimates of our ultimate losses on risk in force, losses may have a disproportionate adverse effect on our earnings in certain periods.
In accordance with accounting principles generally accepted in the United States, we establish case reserves for insurance losses and loss adjustment expenses only when delinquency notices are received for insured loans that are two or more payments past due and for loans we estimate are delinquent but for which delinquency notices have not yet been received (which we include in “IBNR”). Losses that may occur from loans that are not delinquent are not reflected in our financial statements, except when a "premium deficiency" is recorded. A premium deficiency would be recorded if the present value of expected future losses and expenses exceeds the present value of expected future premiums and already established loss reserves on the applicable loans. As a result, future losses incurred on loans that are not currently delinquent may have a material impact on future results as delinquencies emerge. As of September 30, 2022, we had established case reserves and reported losses incurred for 25,878 loans in our delinquency inventory and our IBNR reserve totaled $21 million. The number of loans in our delinquency inventory may increase from that level as a result of economic conditions relating to current global events or other factors and our losses incurred may increase.
Because loss reserve estimates are subject to uncertainties, paid claims may be substantially different than our loss reserves.
When we establish case reserves, we estimate our ultimate loss on delinquent loans by estimating the number of such loans that will result in a claim payment (the "claim rate"), and further estimating the amount of the claim payment (the "claim severity"). Changes to our claim rate and claim severity estimates could have a material impact on our future results, even in a stable economic environment. Our estimates incorporate anticipated cures, loss mitigation activity, rescissions and curtailments. The establishment of loss reserves is subject to inherent uncertainty and requires significant judgment by management. Our actual claim payments may differ substantially from our loss reserve estimates. Our estimates could be affected by several factors, including a change in regional or national economic conditions as discussed in these risk factors, the impact of government and GSE actions taken to mitigate the economic harm caused by the COVID-19 pandemic (including foreclosure moratoriums and mortgage forbearance and modification programs); efforts to reduce the transmission of COVID-19; and a change in the length of time loans are delinquent before claims are received. All else being equal, the longer a loan is delinquent before a claim is received, the greater the severity. As a result of foreclosure moratoriums and forbearance programs, the average time it takes to receive claims has increased. Economic conditions may differ from region to region. Information about the geographic dispersion of our risk in force and delinquency inventory can be found in our Annual Reports on Form 10-K and our Quarterly Reports on Form 10-Q. Prior to the COVID-19 pandemic, losses incurred generally followed a seasonal trend in which the second half of the year has weaker credit performance than the first half, with higher new default notice activity and a lower cure rate.
The amount of insurance we write could be adversely affected if lenders and investors select alternatives to private mortgage insurance.
Alternatives to private mortgage insurance include:
•investors using risk mitigation and credit risk transfer techniques other than private mortgage insurance, or accepting credit risk without credit enhancement,
•lenders and other investors holding mortgages in portfolio and self-insuring,
•lenders using Federal Housing Administration ("FHA"), U.S. Department of Veterans Affairs ("VA") and other government mortgage insurance programs, and
•lenders originating mortgages using piggyback structures to avoid private mortgage insurance, such as a first mortgage with an 80% loan-to-value ("LTV") ratio and a second mortgage with a 10%, 15% or 20% LTV ratio rather than a first mortgage with a 90%, 95% or 100% LTV ratio that has private mortgage insurance.


The GSEs’ charters generally require credit enhancement for a low down payment mortgage loan (a loan in an amount that exceeds 80% of a home’s value) in order for such loan to be eligible for purchase by the GSEs. Private mortgage insurance generally has been purchased by lenders in primary mortgage market transactions to satisfy this credit enhancement requirement. In 2018, the GSEs initiated secondary mortgage market programs with loan level mortgage default coverage provided by various (re)insurers that are not mortgage insurers governed by PMIERs, and that are not selected by the lenders. These programs, which currently account for a small percentage of the low down payment market, compete with traditional private mortgage insurance and, due to differences in policy terms, they may offer premium rates that are below prevalent single premium lender-paid mortgage insurance ("LPMI") rates. We participate in these programs from time to time. See our risk factor titled “Changes in the business practices of the GSEs, federal legislation that changes their charters or a restructuring of the GSEs could reduce our revenues or increase our losses” for a discussion of various business practices of the GSEs that may be changed, including through expansion or modification of these programs.
The GSEs (and other investors) have also used other forms of credit enhancement that did not involve traditional private mortgage insurance, such as engaging in credit-linked note transactions executed in the capital markets, or using other forms of debt issuances or securitizations that transfer credit risk directly to other investors, including competitors and an affiliate of MGIC; using other risk mitigation techniques in conjunction with reduced levels of private mortgage insurance coverage; or accepting credit risk without credit enhancement.
The FHA's share of the low down payment residential mortgages that were subject to FHA, VA, USDA or primary private mortgage insurance was 25.1% in the first half of 2022, 24.7% in 2021, and 23.4% in 2020. Beginning in 2012, the FHA’s share has been as low as 23.4% (in 2020) and as high as 42.1% (in 2012). Factors that influence the FHA’s market share include relative rates and fees, underwriting guidelines and loan limits of the FHA, VA, private mortgage insurers and the GSEs; lenders' perceptions of legal risks under FHA versus GSE programs; flexibility for the FHA to establish new products as a result of federal legislation and programs; returns expected to be obtained by lenders for Ginnie Mae securitization of FHA-insured loans compared to those obtained from selling loans to the GSEs for securitization; and differences in policy terms, such as the ability of a borrower to cancel insurance coverage under certain circumstances. The focus of the Presidential Administration on equitable housing finance and sustainable housing opportunities increases the likelihood of a reduction in the FHA’s mortgage insurance premium rates. Such a rate reduction would negatively impact our NIW; however, given the many factors that influence the FHA's market share, it is difficult to predict the impact. In addition, we cannot predict how the factors that affect the FHA’s share of new insurance written will change in the future.
The VA's share of the low down payment residential mortgages that were subject to FHA, VA, USDA or primary private mortgage insurance was 26.0% in the first half of 2022, 30.2% in 2021, and 30.9% in 2020. Beginning in 2012, the VA’s share has been as low as 22.8% (in 2013) and as high as 30.9% (in 2020). We believe that the VA’s market share has generally been elevated in recent years because of an increase in the number of borrowers that are eligible for the VA’s program, which offers 100% LTV ratio loans and charges a one-time funding fee that can be included in the loan amount, and because eligible borrowers have opted to use the VA program when refinancing their mortgages.
Changes in the business practices of the GSEs, federal legislation that changes their charters or a restructuring of the GSEs could reduce our revenues or increase our losses.
The substantial majority of our NIW is for loans purchased by the GSEs; therefore, the business practices of the GSEs greatly impact our business. In June 2022 the GSEs each published their Equitable Housing Finance Plans. The Plans seek to advance equity in housing finance over a three year period and include potential changes to the GSEs’ business practices and policies. Specifically relating to mortgage insurance, (1) Fannie Mae’s Plan contemplates the creation of special purchase credit program(s) ("SPCPs") targeted to historically underserved borrowers with a goal of lowering costs for such borrowers through lower than standard mortgage insurance requirements; and (2) Freddie Mac’s Plan contemplates the creation of SPCPs targeted to historically underserved borrowers with the goals of (a) working with mortgage insurers to reduce costs for high LTV borrowers, and (b) updating mortgage insurance cancellation requirements. To the extent the business practices and policies of the GSEs regarding mortgage insurance coverage, costs and cancellation change, including more broadly than through SPCPs, such changes may negatively impact the mortgage insurance industry.

Other business practices of the GSEs that affect the mortgage insurance industry include:
•The GSEs' PMIERs, the financial requirements of which are discussed in our risk factor titled “We may not continue to meet the GSEs’ private mortgage insurer eligibility requirements and our returns may decrease if we are required to maintain more capital in order to maintain our eligibility.”
•The capital and collateral requirements for participants in the GSEs' alternative forms of credit enhancement discussed in our risk factor titled "The amount of insurance we write could be adversely affected if lenders and investors select alternatives to private mortgage insurance."
•The level of private mortgage insurance coverage, subject to the limitations of the GSEs’ charters, when private mortgage insurance is used as the required credit enhancement on low down payment mortgages (the GSEs generally require a level of mortgage insurance coverage that is higher than the level of coverage required by their charters; any change in the required level of coverage will impact our new risk written).


•The amount of loan level price adjustments and guaranty fees (which result in higher costs to borrowers) that the GSEs assess on loans that require private mortgage insurance. The requirements of the new GSE capital framework may lead the GSEs to increase their guaranty fees. In addition, the FHFA has indicated that it is reviewing the GSEs' pricing in connection with preparing them to exit conservatorship and to ensure that pricing subsidies benefit only affordable housing activities.
•Whether the GSEs select or influence the mortgage lender’s selection of the mortgage insurer providing coverage.
•The underwriting standards that determine which loans are eligible for purchase by the GSEs, which can affect the quality of the risk insured by the mortgage insurer and the availability of mortgage loans.
•The terms on which mortgage insurance coverage can be canceled before reaching the cancellation thresholds established by law and the business practices associated with such cancellations. For more information, see the above discussion of the GSEs' Equitable Housing Plans and our risk factor titled “Changes in interest rates, house prices or mortgage insurance cancellation requirements may change the length of time that our policies remain in force.”
•The programs established by the GSEs intended to avoid or mitigate loss on insured mortgages and the circumstances in which mortgage servicers must implement such programs.
•The terms that the GSEs require to be included in mortgage insurance policies for loans that they purchase, including limitations on the rescission rights of mortgage insurers.
•The extent to which the GSEs intervene in mortgage insurers’ claims paying practices, rescission practices or rescission settlement practices with lenders.
•The maximum loan limits of the GSEs compared to those of the FHA and other investors.
•The benchmarks established by the FHFA for loans to be purchased by the GSEs, which can affect the loans available to be insured. In December 2021, the FHFA established the benchmark levels for 2022-2024 purchases of low-income home mortgages, very low-income home mortgages and low-income refinance mortgages, each of which exceeded the 2021 benchmarks. The FHFA also established two new sub-goals: one targeting minority communities and the other targeting low-income neighborhoods.
The FHFA has been the conservator of the GSEs since 2008 and has the authority to control and direct their operations. The increased role that the federal government has assumed in the residential housing finance system through the GSE conservatorships may increase the likelihood that the business practices of the GSEs change, including through administrative action, in ways that have a material adverse effect on us and that the charters of the GSEs are changed by new federal legislation.
It is uncertain what role the GSEs, FHA and private capital, including private mortgage insurance, will play in the residential housing finance system in the future. The timing and impact on our business of any resulting changes are uncertain. Many of the proposed changes would require Congressional action to implement and it is difficult to estimate when Congressional action would be final and how long any associated phase-in period may last.
Reinsurance may not always be available or its cost may increase.
We have in place QSR and XOL reinsurance transactions providing various amounts of coverage on 94% of our risk in force as of September 30, 2022. Refer to Part 1, Note 4 – “Reinsurance” and Part 1, Item 2 “Consolidated Results of Operations – Reinsurance Transactions” of our Quarterly Report on Form 10-Q, for more information about coverage under our reinsurance transactions. The reinsurance transactions reduce the tail-risk associated with stress scenarios. As a result, they reduce the capital that we are required to hold to support the risk and they allow us to earn higher returns on our business than we would without them. However, reinsurance may not always be available to us or available on similar terms, the reinsurance transactions subject us to counterparty credit risk, and the GSEs may change the credit they allow under the PMIERs for risk ceded under our reinsurance transactions. Most of our XOL transactions were entered into in capital market transactions with special purpose insurers that issued notes linked to the reinsurance coverage ("Insurance Linked Notes" or "ILNs"). Our access to reinsurance may be disrupted and the terms under which we are able to obtain reinsurance may be less attractive than in the past due to volatility stemming from circumstances such as higher interest rates, increased inflation, global events such as the Russia-Ukraine war, and other factors. In 2022, execution of transactions for XOL reinsurance through the ILN market has been more challenging, with increased pricing, transactions being down-sized, and generally fewer transactions being executed by mortgage insurers. If we are unable to obtain reinsurance for our insurance written, the capital required to support our insurance written will not be reduced as discussed above and our returns may decrease absent an increase in our premium rates. An increase in our premium rates may lead to a decrease in our NIW.

We are subject to comprehensive regulation and other requirements, which we may fail to satisfy.
We are subject to comprehensive regulation, including by state insurance departments. Many regulations are designed for the protection of our insured policyholders and consumers, rather than for the benefit of investors. Mortgage insurers, including MGIC, have in the past been involved in litigation and regulatory actions related to alleged violations of the anti-referral fee provisions of the Real Estate Settlement Procedures Act ("RESPA"), and the notice provisions of the Fair Credit Reporting Act ("FCRA"). While these proceedings in the aggregate did not result in material liability for MGIC, there can be no assurance that the


outcome of future proceedings, if any, under these laws or others would not have a material adverse effect on us. To the extent that we are construed to make independent credit decisions in connection with our contract underwriting activities, we also could be subject to increased regulatory requirements under the Equal Credit Opportunity Act ("ECOA"), FCRA, and other laws. Under relevant laws, examination may also be made of whether a mortgage insurer's underwriting decisions have a disparate impact on persons belonging to a protected class in violation of the law.
Although their scope varies, state insurance laws generally grant broad supervisory powers to agencies or officials to examine insurance companies and enforce rules or exercise discretion affecting almost every significant aspect of the insurance business, including payment for the referral of insurance business, premium rates and discrimination in pricing, and minimum capital requirements. The increased use, by the private mortgage insurance industry, of risk-based pricing systems that establish premium rates based on more attributes than previously considered, and of algorithms, artificial intelligence and data and analytics, has led to additional regulatory scrutiny of premium rates and of other matters such as discrimination in pricing and underwriting, data privacy and access to insurance. For more information about state capital requirements, see our risk factor titled “State capital requirements may prevent us from continuing to write new insurance on an uninterrupted basis.” For information about regulation of data privacy, see our risk factor titled “We could be adversely affected if personal information on consumers that we maintain is improperly disclosed; our information technology systems are damaged or their operations are interrupted; or our automated processes do not operate as expected.” For more details about the various ways in which our subsidiaries are regulated, see “Business - Regulation” in Item 1 of our Annual Report on Form 10-K for the year ended December 31, 2021.
While we have established policies and procedures to comply with applicable laws and regulations, many such laws and regulations are complex and it is not possible to predict the eventual scope, duration or outcome of any reviews or investigations nor is it possible to predict their effect on us or the mortgage insurance industry.

If the volume of low down payment home mortgage originations declines, the amount of insurance that we write could decline.
The factors that may affect the volume of low down payment mortgage originations include the health of the U.S. economy, conditions in regional and local economies and the level of consumer confidence; restrictions on mortgage credit due to more stringent underwriting standards, liquidity issues or risk-retention and/or capital requirements affecting lenders; the level of home mortgage interest rates; housing affordability; new and existing housing availability; the rate of household formation, which is influenced, in part, by population and immigration trends; homeownership rates; the rate of home price appreciation, which in times of heavy refinancing can affect whether refinanced loans have LTV ratios that require private mortgage insurance; and government housing policy encouraging loans to first-time homebuyers. A decline in the volume of low down payment home mortgage originations could decrease demand for mortgage insurance and limit our NIW. For other factors that could decrease the demand for mortgage insurance, see our risk factor titled “The amount of insurance we write could be adversely affected if lenders and investors select alternatives to private mortgage insurance.”
State capital requirements may prevent us from continuing to write new insurance on an uninterrupted basis.
The insurance laws of 16 jurisdictions, including Wisconsin, MGIC's domiciliary state, require a mortgage insurer to maintain a minimum amount of statutory capital relative to its risk in force (or a similar measure) in order for the mortgage insurer to continue to write new business. We refer to these requirements as the “State Capital Requirements.” While they vary among jurisdictions, the most common State Capital Requirements allow for a maximum risk-to-capital ratio of 25 to 1. A risk-to-capital ratio will increase if (i) the percentage decrease in capital exceeds the percentage decrease in insured risk, or (ii) the percentage increase in capital is less than the percentage increase in insured risk. Wisconsin does not regulate capital by using a risk-to-capital measure but instead requires a minimum policyholder position (“MPP”). MGIC's “policyholder position” includes its net worth or surplus, and its contingency reserve.
At September 30, 2022 MGIC’s risk-to-capital ratio was 9.4 to 1, below the maximum allowed by the jurisdictions with State Capital Requirements, and its policyholder position was $3.7 billion above the required MPP of $2.0 billion. Our risk-to-capital ratio and MPP reflect full credit for the risk ceded under our quota share reinsurance and excess of loss transactions in the ILN market and traditional reinsurance market with unaffiliated reinsurers. It is possible that under the revised State Capital Requirements discussed below, MGIC will not be allowed full credit for the risk ceded under such transactions. If MGIC is not allowed an agreed level of credit under the State Capital Requirements, MGIC may terminate the reinsurance transactions, without penalty.
The NAIC previously announced plans to revise the State Capital Requirements that are provided for in its Mortgage Guaranty Insurance Model Act. In December 2019, a working group of state regulators released an exposure draft of a revised Mortgage Guaranty Insurance Model Act and a risk-based capital framework to establish capital requirements for mortgage insurers, although certain items were not completely addressed by the framework, including the treatment of ceded risk and minimum capital floors. In October 2022, the NAIC working group released a revised exposure draft of the Mortgage Guaranty Insurance Model Act that does not include changes to the capital requirements of the existing Model Act.
While MGIC currently meets the State Capital Requirements of Wisconsin and all other jurisdictions, it could be prevented from writing new business in the future in all jurisdictions if it fails to meet the State Capital Requirements of Wisconsin, or it could be prevented from writing new business in a particular jurisdiction if it fails to meet the State Capital Requirements of that jurisdiction, and in each case if MGIC does not obtain a waiver of such requirements. It is possible that regulatory action by one or more jurisdictions, including those that do not have specific State Capital Requirements, may prevent MGIC from continuing to


write new insurance in such jurisdictions. If we are unable to write business in a particular jurisdiction, lenders may be unwilling to procure insurance from us anywhere. In addition, a lender’s assessment of the future ability of our insurance operations to meet the State Capital Requirements or the PMIERs may affect its willingness to procure insurance from us. In this regard, see our risk factor titled “Competition or changes in our relationships with our customers could reduce our revenues, reduce our premium yields and/or increase our losses.” A possible future failure by MGIC to meet the State Capital Requirements or the PMIERs will not necessarily mean that MGIC lacks sufficient resources to pay claims on its insurance liabilities. You should read the rest of these risk factors for information about matters that could negatively affect MGIC’s compliance with State Capital Requirements and its claims paying resources.
We are susceptible to disruptions in the servicing of mortgage loans that we insure and we rely on third-party reporting for information regarding the mortgage loans we insure.
We depend on reliable, consistent third-party servicing of the loans that we insure. An increase in delinquent loans may result in liquidity issues for servicers. When a mortgage loan that is collateral for a mortgage backed security ("MBS") becomes delinquent, the servicer is usually required to continue to pay principal and interest to the MBS investors, generally for four months, even though the servicer is not receiving payments from borrowers. This may cause liquidity issues, especially for non-bank servicers (who service approximately 47% of the loans underlying our insurance in force as of September 30, 2022) because they do not have the same sources of liquidity that bank servicers have.
While there has been no disruption in our premium receipts through the end of September 2022, servicers who experience future liquidity issues may be less likely to advance premiums to us on policies covering delinquent loans or to remit premiums on policies covering loans that are not delinquent. Our policies generally allow us to cancel coverage on loans that are not delinquent if the premiums are not paid within a grace period.
An increase in delinquent loans or a transfer of servicing resulting from liquidity issues, may increase the operational burden on servicers, cause a disruption in the servicing of delinquent loans and reduce servicers’ abilities to undertake mitigation efforts that could help limit our losses.
The information presented in this report and on our website with respect to the mortgage loans we insure is based on information reported to us by third parties, including the servicers and originators of the mortgage loans, and information presented may be subject to lapses or inaccuracies in reporting from such third parties. In many cases, we may not be aware that information reported to us is incorrect until such time as a claim is made against us under the relevant insurance policy. We do not consistently receive monthly policy status information from servicers for single premium policies, and may not be aware that the mortgage loans insured by such policies have been repaid. We periodically attempt to determine if coverage is still in force on such policies by asking the last servicer of record or through the periodic reconciliation of loan information with certain servicers. It may be possible that our reports continue to reflect, as active, policies on mortgage loans that have been repaid.
Changes in interest rates, house prices or mortgage insurance cancellation requirements may change the length of time that our policies remain in force.
The premium from a single premium policy is collected upfront and generally earned over the estimated life of the policy. In contrast, premiums from monthly and annual premium policies are received each month or year, as applicable, and earned each month over the life of the policy. In each year, most of our premiums earned are from insurance that has been written in prior years. As a result, the length of time insurance remains in force, which is generally measured by persistency (the percentage of our insurance remaining in force from one year prior), is a significant determinant of our revenues. A higher than expected persistency rate may decrease the profitability from single premium policies because they will remain in force longer and may increase the incidence of claims that was estimated when the policies were written. A low persistency rate on monthly and annual premium policies will reduce future premiums but may also reduce the incidence of claims, while a high persistency on those policies will increase future premiums but may increase the incidence of claims.
Our persistency rate was 75.7% at September 30, 2022, 62.6% at December 31, 2021, and 60.5% at December 31, 2020. Since 2000, our year-end persistency ranged from a high of 84.7% at December 31, 2009 to a low of 47.1% at December 31, 2003. Our persistency rate is primarily affected by the level of current mortgage interest rates compared to the mortgage coupon rates on our insurance in force, which affects the vulnerability of the insurance in force to refinancing; and the current amount of equity that borrowers have in the homes underlying our insurance in force. The amount of equity affects persistency in the following ways:
•Borrowers with significant equity may be able to refinance their loans without requiring mortgage insurance.
•The Homeowners Protection Act (“HOPA”) requires servicers to cancel mortgage insurance when a borrower’s LTV ratio meets or is scheduled to meet certain levels, generally based on the original value of the home and subject to various conditions.
•The GSEs’ mortgage insurance cancellation guidelines apply more broadly than HOPA and also consider a home’s current value. For example, borrowers may request cancellation of mortgage insurance based on the home’s current value if certain LTV and seasoning requirements are met and the borrowers have an acceptable payment history. For loans seasoned between two and five years, the LTV ratio must be 75% or less, and for loans seasoned more than five years the LTV ratio must be 80% or less. For more information about the GSEs guidelines and business practices, and how they may change,


see our risk factor titled “Changes in the business practices of the GSEs, federal legislation that changes their charters or a restructuring of the GSEs could reduce our revenues or increase our losses.”
Pandemics, hurricanes and other natural disasters may impact our incurred losses, the amount and timing of paid claims, our inventory of notices of default and our Minimum Required Assets under PMIERs.
Pandemics and other natural disasters, such as hurricanes, tornadoes, earthquakes, wildfires and floods, or other events related to changing climatic conditions, could trigger an economic downturn in the affected areas, or in areas with similar risks, which could result in a decline in our business and an increased claim rate on policies in those areas. Natural disasters, rising sea levels and/or fresh water shortages could lead to a decrease in home prices in the affected areas, or in areas with similar risks, which could result in an increase in claim severity on policies in those areas. In addition, the inability of a borrower to obtain hazard and/or flood insurance, or the increased cost of such insurance, could lead to an increase in delinquencies or a decrease in home prices in the affected areas. If we were to attempt to limit our new insurance written in affected areas, lenders may be unwilling to procure insurance from us anywhere.
Pandemics and other natural disasters could also lead to increased reinsurance rates or reduced availability of reinsurance. This may cause us to retain more risk than we otherwise would retain and could negatively affect our compliance with the financial requirements of State Capital Requirements and the PMIERs.
The PMIERs require us to maintain significantly more "Minimum Required Assets" for delinquent loans than for performing loans; however, the increase in Minimum Required Assets is not as great for certain delinquent loans in areas that the Federal Emergency Management Agency has declared major disaster areas and for certain loans whose borrowers have been affected by COVID-19. See our risk factor titled "We may not continue to meet the GSEs’ private mortgage insurer eligibility requirements and our returns may decrease if we are required to maintain more capital in order to maintain our eligibility."
In January 2021, the FHFA issued a Request for Input (“RFI”) regarding Climate and Natural Disaster Risk Management at the Regulated Entities (i.e., the GSEs and the Federal Home Loan Banks). The FHFA has instructed the GSEs to designate climate change as a priority concern and actively consider its effects in their decision making. It is possible that efforts to manage this risk by the FHFA, GSEs (including through GSE guideline or mortgage insurance policy changes) or others could materially impact the volume and characteristics of our NIW (including its policy terms), home prices in certain areas and defaults by borrowers in certain areas.
Risk Factors Relating to Our Business Generally
The premiums we charge may not be adequate to compensate us for our liabilities for losses and as a result any inadequacy could materially affect our financial condition and results of operations.
When we set our premiums at policy issuance, we have expectations regarding likely performance of the insured risks over the long term. Generally, we cannot cancel mortgage insurance coverage or adjust renewal premiums during the life of a policy. As a result, higher than anticipated claims generally cannot be offset by premium increases on policies in force or mitigated by our non-renewal or cancellation of insurance coverage. Our premiums are subject to approval by state regulatory agencies, which can delay or limit our ability to increase premiums on future policies. In addition, our customized rate plans may delay our ability to increase premiums on future policies covered by such plans. The premiums we charge, the investment income we earn and the amount of reinsurance we carry may not be adequate to compensate us for the risks and costs associated with the insurance coverage provided to customers. An increase in the number or size of claims, compared to what we anticipated when we set the premiums, could adversely affect our results of operations or financial condition. Our premium rates are also based in part on the amount of capital we are required to hold against the insured risk. If the amount of capital we are required to hold increases from the amount we were required to hold when we set the premiums, our returns may be lower than we assumed. For a discussion of the amount of capital we are required to hold, see our risk factor titled "We may not continue to meet the GSEs’ private mortgage insurer eligibility requirements and our returns may decrease if we are required to maintain more capital in order to maintain our eligibility."
Competition or changes in our relationships with our customers could reduce our revenues, reduce our premium yields and / or increase our losses.
The private mortgage insurance industry is highly competitive and is expected to remain so. We believe we currently compete with other private mortgage insurers based on premium rates, underwriting requirements, financial strength (including based on credit or financial strength ratings), customer relationships, name recognition, reputation, strength of management teams and field organizations, the ancillary products and services provided to lenders, and the effective use of technology and innovation in the delivery and servicing of our mortgage insurance products.
Our relationships with our customers, which may affect the amount of our NIW, could be adversely affected by a variety of factors, including if our premium rates are higher than those of our competitors, our underwriting requirements are more restrictive than those of our competitors, or our customers are dissatisfied with our claims-paying practices (including insurance policy rescissions and claim curtailments).
In recent years, the industry has materially reduced its use of standard rate cards, which were fairly consistent among competitors, and correspondingly increased its use of (i) pricing systems that use a spectrum of filed rates to allow for


formulaic, risk-based pricing based on multiple attributes that may be quickly adjusted within certain parameters, and (ii) customized rate plans, both of which typically have rates lower than the standard rate card. Our increased use of reinsurance over the past several years, and the improved credit profile and reduced loss expectations associated with loans insured after 2008, have helped to mitigate the negative effect of declining premium rates on our expected returns. However, refer to our risk factor titled "Reinsurance may not always be available or its cost may increase" for a discussion of the risks associated with the availability of reinsurance, and our risk factors titled “Downturns in the domestic economy or declines in home prices may result in more homeowners defaulting and our losses increasing, with a corresponding decrease in our returns,” and “Pandemics, hurricanes and other natural disasters may impact our incurred losses, the amount and timing of paid claims, our inventory of notices of default and our Minimum Required Assets under PMIERs” for a discussion about risks associated with our NIW.
The widespread use of risk-based pricing systems by the private mortgage insurance industry makes it more difficult to compare our rates to those offered by our competitors. We may not be aware of industry rate changes until we observe that our volume of NIW has changed. In addition, business under customized rate plans is awarded by certain customers for only limited periods of time. As a result, our NIW may fluctuate more than it had in the past. Regarding the concentration of our new business, our top ten customers accounted for approximately 32% and 37% in the twelve months ended September 30, 2022 and September 30, 2021, respectively.
We monitor various competitive and economic factors while seeking to balance both profitability and market share considerations in developing our pricing strategies. Premium rates on NIW will change our premium yield (net premiums earned divided by the average insurance in force) over time as older insurance policies run off and new insurance policies with premium rates that are generally lower are written.
Certain of our competitors have access to capital at a lower cost than we do (including, through off-shore intercompany reinsurance vehicles, which have tax advantages that may increase if U.S. corporate income taxes increase). As a result, they may be able to achieve higher after-tax rates of return on their NIW compared to us, which could allow them to leverage reduced premium rates to gain market share, and they may be better positioned to compete outside of traditional mortgage insurance, including by participating in alternative forms of credit enhancement pursued by the GSEs discussed in our risk factor titled "The amount of insurance we write could be adversely affected if lenders and investors select alternatives to private mortgage insurance."
Although the current PMIERs of the GSEs do not require an insurer to maintain minimum financial strength ratings, our financial strength ratings can affect us in the ways set forth below. If we are unable to compete effectively in the current or any future markets as a result of the financial strength ratings assigned to our insurance subsidiaries, our future NIW could be negatively affected.
•A downgrade in our financial strength ratings could result in increased scrutiny of our financial condition by the GSEs and/or our customers, potentially resulting in a decrease in the amount of our NIW.
•Our ability to participate in the non-GSE residential mortgage-backed securities market (the size of which has been limited since 2008, but may grow in the future), could depend on our ability to maintain and improve our investment grade ratings for our insurance subsidiaries. We could be competitively disadvantaged with some market participants because the financial strength ratings of our insurance subsidiaries are lower than those of some competitors. MGIC's financial strength rating from A.M. Best is A- (with a stable outlook), from Moody’s is A3 (with a stable outlook) and from Standard & Poor’s is BBB+ (with a stable outlook).
•Financial strength ratings may also play a greater role if the GSEs no longer operate in their current capacities, for example, due to legislative or regulatory action. In addition, although the PMIERs do not require minimum financial strength ratings, the GSEs consider financial strength ratings to be important when using forms of credit enhancement other than traditional mortgage insurance, as discussed in our risk factor titled "The amount of insurance we write could be adversely affected if lenders and investors select alternatives to private mortgage insurance." The final GSE capital framework provides more capital credit for transactions with higher rated counterparties, as well as those who are diversified. Although we are currently unaware of a direct impact on MGIC, this could potentially become a competitive disadvantage in the future.
Standard & Poor’s is considering changes to its rating methodologies for insurers, including mortgage insurers. It is uncertain what impact the changes will have, whether they will prompt similar moves at other rating agencies, or the extent to which they will impact how external parties evaluate the different rating levels.

We are subject to the risk of legal proceedings.
Before paying an insurance claim, generally we review the loan and servicing files to determine the appropriateness of the claim amount. When reviewing the files, we may determine that we have the right to rescind coverage or deny a claim on the loan (both referred to herein as “rescissions”). In addition, our insurance policies generally provide that we can reduce a claim if the servicer did not comply with its obligations under our insurance policy (such reduction referred to as a “curtailment”). In recent years, an immaterial percentage of claims received have been resolved by rescissions. In the first three quarters of 2022 and in 2021, curtailments reduced our average claim paid by approximately 7.7% and 3.9%, respectively. The COVID-19-related foreclosure moratoriums and forbearance plans decreased our claims paid activity beginning in the second quarter of 2020. It is difficult to predict the level of curtailments once foreclosure activity returns to a more typical level. Our loss reserving methodology incorporates our estimates of future rescissions, curtailments, and reversals of rescissions and curtailments. A variance


between ultimate actual rescission, curtailment and reversal rates and our estimates, as a result of the outcome of litigation, settlements or other factors, could materially affect our losses.
When the insured disputes our right to rescind coverage or curtail claims, we generally engage in discussions in an attempt to settle the dispute. If we are unable to reach a settlement, the outcome of a dispute ultimately may be determined by legal proceedings. Under ASC 450-20, until a loss associated with settlement discussions or legal proceedings becomes probable and can be reasonably estimated, we consider our claim payment or rescission resolved for financial reporting purposes and do not accrue an estimated loss. When we determine that a loss is probable and can be reasonably estimated, we record our best estimate of our probable loss. In those cases, until settlement negotiations or legal proceedings are concluded (including the receipt of any necessary GSE approvals), it is possible that we will record an additional loss.
We have been named as a third-party defendant in a lawsuit that involves refunds of mortgage insurance premiums under the Homeowners Protection Act. We are monitoring litigation addressing similar issues in which we have not been named a defendant. We are unable to assess the potential impact of any such litigation at this time. In addition, from time to time, we are involved in other disputes and legal proceedings in the ordinary course of business. In our opinion, based on the facts known at this time, the ultimate resolution of these ordinary course disputes and legal proceedings will not have a material adverse effect on our financial position or results of operations.
If our risk management programs are not effective in identifying, or adequate in controlling or mitigating, the risks we face, or if the models used in our businesses are inaccurate, it could have a material adverse impact on our business, results of operations and financial condition.
Our enterprise risk management program, described in "Business - Our Products and Services - Risk Management" in Item 1 of our Annual Report on Form 10-K for the year ended December 31, 2021, may not be effective in identifying, or adequate in controlling or mitigating, the risks we face in our business.
We employ proprietary and third party models to project returns, price products (including through our risk-based pricing system), determine the techniques used to underwrite insurance, estimate reserves, generate projections used to estimate future pre-tax income and to evaluate loss recognition testing, evaluate risk, determine internal capital requirements, perform stress testing, and for other uses. These models rely on estimates and projections that are inherently uncertain and may not operate as intended, especially under less-frequent circumstances such as those surrounding the COVID-19 pandemic, the Russia-Ukraine war, and high levels of inflation, or with respect to emerging risks, such as changing climatic conditions. In addition, from time to time we seek to improve certain models, and the conversion process may result in material changes to certain assumptions, which could impact our expectations about future returns and financial results. The models we employ are complex, which increases our risk of error in their design, implementation or use. Also, the associated input data, assumptions and calculations may not be correct or accurate, and the controls we have in place to mitigate that risk may not be effective in all cases. The risks related to our models may increase when we change assumptions and/or methodologies, or when we add or change modeling platforms. We have enhanced, and we intend to continue to enhance, our modeling capabilities. Moreover, we may use information we receive through enhancements to refine or otherwise change existing assumptions and/or methodologies.
We rely on our management team and our business could be harmed if we are unable to retain qualified personnel or successfully develop and/or recruit their replacements.
Our success depends, in part, on the skills, working relationships and continued services of our management team and other key personnel. The unexpected departure of key personnel could adversely affect the conduct of our business. In such event, we would be required to obtain other personnel to manage and operate our business. In addition, we will be required to replace the knowledge and expertise of our aging workforce as our workers retire. In either case, there can be no assurance that we would be able to develop or recruit suitable replacements for the departing individuals; that replacements could be hired, if necessary, on terms that are favorable to us; or that we can successfully transition such replacements in a timely manner. We currently have not entered into any employment agreements with our officers or key personnel. Volatility or lack of performance in our stock price may affect our ability to retain our key personnel or attract replacements should key personnel depart. Without a properly skilled and experienced workforce, our costs, including productivity costs and costs to replace employees may increase, and this could negatively impact our earnings.
At the onset of the COVID-19 pandemic, the Company transitioned to a virtual workforce model with certain essential activities supported by limited staff in controlled office environments. We are currently operating under a hybrid model, with most employees working in the office for a portion of time. While the employees are in our office, they may be exposed to health risks, which may expose us to potential liability. We have established an interim succession plan for each of our key executives, should an executive be unable to perform his or her duties.
The mix of business we write affects our Minimum Required Assets under the PMIERs, our premium yields and the likelihood of losses occurring.
The Minimum Required Assets under the PMIERs are, in part, a function of the direct risk-in-force and the risk profile of the loans we insure, considering LTV ratio, credit score, vintage, Home Affordable Refinance Program ("HARP") status and delinquency status; and whether the loans were insured under lender-paid mortgage insurance policies or other policies that are not subject to automatic termination consistent with the Homeowners Protection Act requirements for borrower-paid mortgage insurance. Therefore, if our direct risk-in-force increases through increases in NIW, or if our mix of business changes to include loans with


higher LTV ratios or lower FICO scores, for example, all other things equal, we will be required to hold more Available Assets in order to maintain GSE eligibility.
The percentage of our NIW from all single premium policies was 4.4% in the first three quarters of 2022 and 7.4% in full year 2021, and has ranged from 4.4% in 2022 to 19.0% in 2017. Depending on the actual life of a single premium policy and its premium rate relative to that of a monthly premium policy, a single premium policy may generate more or less premium than a monthly premium policy over its life.
As discussed in our risk factor titled "Reinsurance may not always be available or its cost may increase," we have in place various QSR transactions. Although the transactions reduce our premiums, they have a lesser impact on our overall results, as losses ceded under the transactions reduce our losses incurred and the ceding commissions we receive reduce our underwriting expenses. The effect of the QSR transactions on the various components of pre-tax income will vary from period to period, depending on the level of ceded losses incurred. We also have in place various XOL reinsurance transactions under which we cede premiums. Under the XOL reinsurance transactions, for the respective reinsurance coverage periods, we retain the first layer of aggregate losses and the reinsurers provide second layer coverage up to the outstanding reinsurance coverage amount.
In addition to the effect of reinsurance on our premiums, we expect a decline in our premium yield because an increasing percentage of our insurance in force is from recent book years whose premium rates had been trending lower.
Our ability to rescind insurance coverage became more limited for new insurance written beginning in mid-2012, and it became further limited for new insurance written under our revised master policy that became effective March 1, 2020. These limitations may result in higher losses paid than would be the case under our previous master policies. In addition, our rescission rights temporarily have become more limited due to accommodations we made in connection with the COVID-19 pandemic. We waived our rescission rights in certain circumstances where the failure to make payments was associated with a COVID-19 pandemic-related forbearance.
From time to time, in response to market conditions, we change the types of loans that we insure. We also may change our underwriting guidelines, including by agreeing with certain approval recommendations from a GSE automated underwriting system. We also make exceptions to our underwriting requirements on a loan-by-loan basis and for certain customer programs. Our underwriting requirements are available on our website at http://www.mgic.com/underwriting/index.html.

Even when home prices are stable or rising, mortgages with certain characteristics have higher probabilities of claims. As of September 30, 2022, mortgages with these characteristics in our primary risk in force included mortgages with LTV ratios greater than 95% (15.1%), mortgages with borrowers having FICO scores below 680 (7.2%), including those with borrowers having FICO scores of 620-679 (6.3%), mortgages with limited underwriting, including limited borrower documentation (0.8%), and mortgages with borrowers having DTI ratios greater than 45% (or where no ratio is available) (15.2%), each attribute as determined at the time of loan origination. Loans with more than one of these attributes accounted for 4.4% of our primary risk in force as of September 30, 2022, and 3.4% of our NIW in the first three quarters of 2022 and less than one percent of our NIW in the first three quarters of 2021. When home prices increase, interest rates increase and/or the percentage of our NIW from purchase transactions increases, our NIW on mortgages with higher LTV ratios and higher DTI ratios may increase. Our NIW on mortgages with LTV ratios greater than 95% increased from 11% in the first three quarters of 2021 to 13% in the first three quarters of 2022 and our NIW on mortgages with DTI ratios greater than 45% increased from 13% in the first three quarters of 2021 to 21% in the first three quarters of 2022.

From time to time, we change the processes we use to underwrite loans. For example: we rely on information provided to us by lenders that was obtained from certain of the GSEs’ automated appraisal and income verification tools, which may produce results that differ from the results that would have been determined using different methods; we accept GSE appraisal waivers for certain refinance loans, the numbers of which have increased significantly beginning in 2020; and we accept GSE appraisal flexibilities that allow property valuations in certain transactions to be based on appraisals that do not involve an onsite or interior inspection of the property. Our acceptance of automated GSE appraisal and income verification tools, GSE appraisal waivers and GSE appraisal flexibilities may affect our pricing and risk assessment. We also continue to further automate our underwriting processes and it is possible that our automated processes result in our insuring loans that we would not otherwise have insured under our prior processes.
Approximately 72% of our first three quarters 2022 and 72% of our 2021 NIW was originated under delegated underwriting programs pursuant to which the loan originators had authority on our behalf to underwrite the loans for our mortgage insurance. For loans originated through a delegated underwriting program, we depend on the originators' compliance with our guidelines and rely on the originators' representations that the loans being insured satisfy the underwriting guidelines, eligibility criteria and other requirements. While we have established systems and processes to monitor whether certain aspects of our underwriting guidelines were being followed by the originators, such systems may not ensure that the guidelines were being strictly followed at the time the loans were originated.
The widespread use of risk-based pricing systems by the private mortgage insurance industry (discussed in our risk factor titled "Competition or changes in our relationships with our customers could reduce our revenues, reduce our premium yields and / or increase our losses") makes it more difficult to compare our premium rates to those offered by our competitors. We may not be aware of industry rate changes until we observe that our mix of new insurance written has changed and our mix may fluctuate more as a result.


If state or federal regulations or statutes are changed in ways that ease mortgage lending standards and/or requirements, or if lenders seek ways to replace business in times of lower mortgage originations, it is possible that more mortgage loans could be originated with higher risk characteristics than are currently being originated, such as loans with lower FICO scores and higher DTI ratios. The focus of the new FHFA leadership on increasing homeownership opportunities for borrowers is likely to have this effect. Lenders could pressure mortgage insurers to insure such loans, which are expected to experience higher claim rates. Although we attempt to incorporate these higher expected claim rates into our underwriting and pricing models, there can be no assurance that the premiums earned and the associated investment income will be adequate to compensate for actual losses paid even under our current underwriting requirements.
Our holding company debt obligations materially exceed our holding company cash and investments.
At September 30, 2022, we had approximately $352 million in cash and investments at our holding company and our holding company’s long-term debt obligations were $672 million in aggregate principal amount. Annual debt service on the long-term debt obligations outstanding as of September 30, 2022, is approximately $36 million.

The long-term debt obligations are owed by our holding company, MGIC Investment Corporation, and not its subsidiaries. The payment of dividends from our insurance subsidiaries (primarily MGIC) which, other than investment income and raising capital in the public markets, is the principal source of our holding company cash inflow. Although MGIC holds assets in excess of its minimum statutory capital requirements and its PMIERs financial requirements, the ability of MGIC to pay dividends is restricted by insurance regulation. In general, dividends in excess of prescribed limits are deemed “extraordinary” and may not be paid if disapproved by the OCI. The level of ordinary dividends that may be paid without OCI approval is determined on an annual basis and it is $122 million in 2022, before considering dividends paid in the previous twelve months. A dividend is extraordinary when the proposed dividend amount plus dividends paid in the last twelve months from the dividend payment date exceed the ordinary dividend level. In the nine months ended September 30, 2022, MGIC paid $400 million in dividends of cash and investments to the holding company. Future dividend payments from MGIC to the holding company will be determined in consultation with the board of directors, and after considering any updated estimates about our business.
Repurchases of our common stock may be made from time to time on the open market (including through 10b5-1 plans) or through privately negotiated transactions. In the three quarters of 2022, we repurchased approximately 21.7 million shares, using approximately $306 million of holding company resources. As of September 30, 2022, we had $194 million of authorization remaining to repurchase our common stock through the end of 2023 under a share repurchase program approved by our Board of Directors in October 2021. If any capital contributions to our subsidiaries are required, such contributions would decrease our holding company cash and investments.
Your ownership in our company may be diluted by additional capital that we raise.
As noted above under our risk factor titled “We may not continue to meet the GSEs’ private mortgage insurer eligibility requirements and our returns may decrease if we are required to maintain more capital in order to maintain our eligibility,” although we are currently in compliance with the requirements of the PMIERs, there can be no assurance that we would not seek to issue additional debt capital or to raise additional equity or equity-linked capital to manage our capital position under the PMIERs or for other purposes. Any future issuance of equity securities may dilute your ownership interest in our company. In addition, the market price of our common stock could decline as a result of sales of a large number of shares or similar securities in the market or the perception that such sales could occur.
The price of our common stock may fluctuate significantly, which may make it difficult for holders to resell common stock when they want or at a price they find attractive.
The market price for our common stock may fluctuate significantly. In addition to the risk factors described herein, the following factors may have an adverse impact on the market price for our common stock: changes in general conditions in the economy, the mortgage insurance industry or the financial markets; announcements by us or our competitors of acquisitions or strategic initiatives; our actual or anticipated quarterly and annual operating results; changes in expectations of future financial performance (including incurred losses on our insurance in force); changes in estimates of securities analysts or rating agencies; actual or anticipated changes in our share repurchase program or dividends; changes in operating performance or market valuation of companies in the mortgage insurance industry; the addition or departure of key personnel; changes in tax law; and adverse press or news announcements affecting us or the industry. In addition, ownership by certain types of investors may affect the market price and trading volume of our common stock. For example, ownership in our common stock by investors such as index funds and exchange-traded funds can affect the stock’s price when those investors must purchase or sell our common stock because the investors have experienced significant cash inflows or outflows, the index to which our common stock belongs has been rebalanced, or our common stock is added to and/or removed from an index (due to changes in our market capitalization, for example).
We could be adversely affected if personal information on consumers that we maintain is improperly disclosed, our information technology systems are damaged or their operations are interrupted, or our automated processes do not operate as expected.
As part of our business, we maintain large amounts of personal information of consumers, including on our servers and those of cloud computing services. Federal and state laws designed to promote the protection of such information require businesses that collect or maintain consumer information to adopt information security programs, and to notify individuals, and in some jurisdictions, regulatory authorities, of security breaches involving personally identifiable information.


We are increasingly reliant on the efficient and uninterrupted operation of complex information technology systems. All information technology systems are potentially vulnerable to damage or interruption from a variety of sources, including by third-party cyber attacks, including those involving ransomware. The Company discovers vulnerabilities and experiences malicious attacks and other attempts to gain unauthorized access to its systems on a regular basis. Globally, attacks are expected to continue accelerating in both frequency and sophistication with increasing use by actors of tools and techniques that will hinder the Company’s ability to identify, investigate and recover from incidents. Such attacks may also increase as a result of retaliation by Russia in response to actions taken by the U.S. and other countries in connection with Russia's military invasion of Ukraine. In response to the COVID-19 pandemic, the Company transitioned to a primarily virtual workforce model and will likely continue to operate under a hybrid model in the future. Virtual and hybrid workforce models may be more vulnerable to security breaches.
While we have information security policies and systems in place to secure our information technology systems and to prevent unauthorized access to or disclosure of sensitive information, there can be no assurance with respect to our systems and those of our third-party vendors that unauthorized access to the systems or disclosure of the sensitive information, either through the actions of third parties or employees, will not occur. Due to our reliance on information technology systems, including ours and those of our customers and third-party service providers, and to the sensitivity of the information that we maintain, unauthorized access to the systems or disclosure of the information could adversely affect our reputation, severely disrupt our operations, result in a loss of business and expose us to material claims for damages and may require that we provide free credit monitoring services to individuals affected by a security breach.
Should we experience an unauthorized disclosure of information or a cyber attack, including those involving ransomware, some of the costs we incur may not be recoverable through insurance, or legal or other processes, and this may have a material adverse effect on our results of operations.
We are in the process of upgrading certain information systems, and transforming and automating certain business processes, and we continue to enhance our risk-based pricing system and our system for evaluating risk. Certain information systems have been in place for a number of years and it has become increasingly difficult to support their operation. The implementation of technological and business process improvements, as well as their integration with customer and third-party systems when applicable, is complex, expensive and time consuming. If we fail to timely and successfully implement and integrate the new technology systems, if the third party providers to which we are becoming increasingly reliant do not perform as expected, if our legacy systems fail to operate as required, or if the upgraded systems and/or transformed and automated business processes do not operate as expected, it could have a material adverse impact on our business, business prospects and results of operations.
Our success depends, in part, on our ability to manage risks in our investment portfolio.
Our investment portfolio is an important source of revenue and is our primary source of claims paying resources. Although our investment portfolio consists mostly of highly-rated fixed income investments, our investment portfolio is affected by general economic conditions and tax policy, which may adversely affect the markets for credit and interest-rate-sensitive securities, including the extent and timing of investor participation in these markets, the level and volatility of interest rates and credit spreads and, consequently, the value of our fixed income securities. Prevailing market rates have increased for various reasons, including inflationary pressures, which has reduced the fair value of our investment portfolio. The value of our investment portfolio may also be adversely affected by ratings downgrades, increased bankruptcies, and credit spreads widening. In addition, the collectability and valuation of our municipal bond portfolio may be adversely affected by budget deficits, and declining tax bases and revenues experienced by state and local municipalities. Our investment portfolio also includes commercial mortgage-backed securities, collateralized loan obligations, and asset-backed securities, which could be adversely affected by declines in real estate valuations, increases in unemployment geopolitical risks and/or financial market disruption, including a heightened collection risk on the underlying loans. As a result of these matters, we may not achieve our investment objectives and a reduction in the market value of our investments could have an adverse effect on our liquidity, financial condition and results of operations.

For the significant portion of our investment portfolio that is held by MGIC, to receive full capital credit under insurance regulatory requirements and under the PMIERs, we generally are limited to investing in investment grade fixed income securities whose yields reflect their lower credit risk profile. Our investment income depends upon the size of the portfolio and its reinvestment at prevailing interest rates. A prolonged period of low investment yields would have an adverse impact on our investment income as would a decrease in the size of the portfolio.
We structure our investment portfolio to satisfy our expected liabilities, including claim payments in our mortgage insurance business. If we underestimate our liabilities or improperly structure our investments to meet these liabilities, we could have unexpected losses resulting from the forced liquidation of fixed income investments before their maturity, which could adversely affect our results of operations.
The Company may be adversely impacted by the transition from LIBOR as a reference rate.
The United Kingdom’s Financial Conduct Authority, which regulates LIBOR, announced that after 2021 it would no longer publish one-week and two-month tenor USD LIBOR and that after June 30, 2023, it would no longer publish all other USD LIBOR tenors. Efforts are underway to identify and transition to a set of alternative reference rates. The set of alternative rates includes the Secured Overnight Financing Rate (“SOFR”), which the Federal Reserve Bank of New York began publishing in 2018. Because SOFR is calculated based on different criteria than LIBOR, SOFR and LIBOR may diverge.


While it is not currently possible to determine precisely whether, or to what extent, the replacement of LIBOR would affect us, the implementation of alternative benchmark rates to LIBOR may have an adverse effect on our business, results of operations or financial condition. We have three primary types of transactions that involve financial instruments referencing LIBOR. First, as of September 30, 2022, approximately 6% of the fair value of our investment portfolio consisted of securities referencing LIBOR. Second, as of September 30, 2022, approximately $0.4 billion of our risk in force was on adjustable rate mortgages whose interest is referenced to one-month USD LIBOR. A change in reference rate associated with these loans may affect their principal balance, which may affect our risk-in-force and the amount of Minimum Required Assets we are required to maintain under PMIERs. A change in reference rate may also affect the amount of principal and/or accrued interest we are required to pay in the event of a claim payment. Third, the premiums under most of our 2018-2021 excess-of-loss reinsurance agreements executed through insurance linked noted transactions are determined, in part, by the difference between interest payable on the reinsurers’ notes which reference one-month USD LIBOR and earnings from a pool of securities receiving interest that may reference LIBOR (in the first three quarters of 2022, our total premiums on such transactions were approximately $28.0 million).

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Losses and expenses: Benefits, Losses and Expenses [Abstract] Additional paid in capital Additional Paid in Capital Assets held by insurance regulatory requirements Assets Held by Insurance Regulators Reserve at beginning of period Reserve at end of period Liability for Claims and Claims Adjustment Expense Due after five years through ten years Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 Cash flows from investing activities: Net Cash Provided by (Used in) Investing Activities, Continuing Operations [Abstract] Fair Value Measurement [Domain] Fair Value Measurement [Domain] Financial Instruments [Domain] Financial Instruments [Domain] Delinquent inventory at the beginning of period (in loans) Delinquent inventory at end of period (in loans) Total primary delinquent inventory (in loans) Primary Default Inventory The number of loans in the primary default inventory. Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] Statistical Measurement [Domain] Statistical Measurement [Domain] 12 months or more (in loans) Primary Default Inventory, Twelve Months or More The number of loans that have been in the primary default inventory for twelve months or more as of the balance sheet date. One Percentage Point Increase/Decrease In Average Claim Rate Reserve Factor One Percentage Point Increase/Decrease In Average Claim Rate Reserve Factor [Member] One Percentage Point Increase/Decrease In Average Claim Rate Reserve Factor Rollforward of primary delinquent inventory Rollforward of Primary Default Inventory [Table Text Block] Tabular disclosure of the activity related to loans in the primary default inventory. Stated interest rate Debt Instrument, Interest Rate, Stated Percentage Share-based Payment Arrangement [Abstract] Share-Based Payment Arrangement [Abstract] Litigation and Contingencies Legal Matters and Contingencies [Text Block] Paid-in capital Additional Paid in Capital, Common Stock Net periodic benefit cost (benefit) Defined Benefit Plan, Net Periodic Benefit Cost (Credit) Reclassification out of Accumulated Other Comprehensive Income [Axis] Reclassification out of Accumulated Other Comprehensive Income [Axis] 2020 and 2021 QSR - 2021 NIW Quota Share Reinsurance Agreement, 2020 and 2021 - 2021 NIW [Member] Quota Share Reinsurance Agreement, 2020 and 2021 - 2021 NIW Repurchase of common stock Treasury Stock, Value, Acquired, Cost Method Net income Net income Total reclassifications, net of tax Net Income (Loss) Attributable to Parent Premium refund liability, expected claim payments Premium refund liability, expected claim payments The carrying amount for the estimate of premiums to be refunded on expected claim payments. Other invested assets Other Invested Assets, Fair Value Disclosure Fair value portion of other invested assets. Due after one year through five years Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five Total fixed income securities Debt Securities [Member] Cumulative effect of debt with conversion options accounting standards update Cumulative Effect, Period of Adoption [Axis] Amortization of prior service cost (credit) Defined Benefit Plan, Amortization of Prior Service Cost (Credit) Subsequent Event Type [Axis] Subsequent Event Type [Axis] 5.75% Senior Notes Due 2023 Five Point Seven Five Percent Senior Notes [Member] Five Point Seven Five Percent Senior Notes [Member] Investment income, net of expenses Net Investment Income Primary claims received inventory included in ending delinquent inventory (in loans) Primary Default Inventory, Claims Received Inventory The number of loans in the primary default inventory that are in the claims received inventory. Equity Component [Domain] Equity Component [Domain] Subsequent Event Type [Domain] Subsequent Event Type [Domain] Total assets Assets, Fair Value Disclosure Redemption of senior notes Early Repayment of Senior Debt Obligations of U.S. states and political subdivisions US States and Political Subdivisions Debt Securities [Member] Probable Loss On Litigation Claims Paying Practices Probable Loss On Litigation Claims Paying Practices [Member] Probable Loss On Litigation Claims Paying Practices Total debt securities with single maturity date, amortized cost Available For Sale Securities, Debt Maturities, With Single Maturity Date, Amortized Cost This item represents the total debt securities, categorized neither as held-to-maturity nor trading securities, which have a single maturity date, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments, as defined), and fair value hedge accounting adjustments, if any. Effect of dilutive securities: Dilutive Securities, Effect on Basic Earnings Per Share [Abstract] Net gains (losses) on investments and other financial instruments Net (gains) losses on investments and other financial instruments Net Gains (Losses) on Investments and Other Financial Instruments Amount of realized and unrealized gain (loss) on investments and other financial instruments, including the changes in fair value of embedded derivatives related to Home Re Transactions. Fixed income, available-for-sale, at fair value (amortized cost 2022 - $5,970,459; 2021 - $6,397,658) Fair Value Total at end of period Debt Securities, Available-for-Sale Convertible junior subordinated debentures Convertible Subordinated Debt Premiums earned: Premiums Earned, Net [Abstract] Statement of Cash Flows [Abstract] Statement of Cash Flows [Abstract] Entity Address, State or Province Entity Address, State or Province Quoted Prices in Active Markets for Identical Assets (Level 1) Fair Value, Inputs, Level 1 [Member] Change in estimates related to pool reserves, LAE reserves, reinsurance, and other Increase Decrease Related To IBNR, Pool Reserves, LAE Reserves and Reinsurance [Member] The decrease in losses incurred related to prior years related to IBNR, pool reserves, LAE reserves, reinsurance and other. Other items removed from inventory (in loans) Primary Default Inventory, Other Items Removed Other deductions from the primary default inventory, including items removed for settlements New notices (in loans) Primary Default Inventory, New Notices Additions to the primary default inventory resulting from new notices of defaulted loans. Award Type [Axis] Award Type [Axis] Net cash provided by (used in) operating activities Net Cash Provided by (Used in) Operating Activities Amortized cost, gross unrealized gains and losses and fair value of fixed income securities Debt Securities, Available-for-Sale [Table Text Block] Other liabilities Other Liabilities Legal Entity [Axis] Legal Entity [Axis] Statutory Capital [Abstract] Statutory Capital [Abstract] Other Gain (Loss) on Sale of Other Investments Total liabilities Liabilities Unearned premiums Increase (Decrease) in Unearned Premiums Share-based Compensation Arrangement by Share-based Payment Award [Line Items] Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items] Prior years Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Prior Years Reclassification out of accumulated other comprehensive income Reclassification out of Accumulated Other Comprehensive Income [Table Text Block] Entity Common Stock, Shares Outstanding Entity Common Stock, Shares Outstanding Fair Value Hierarchy and NAV [Domain] Fair Value Hierarchy and NAV [Domain] Loss reserves Liability for Claims and Claims Adjustment Expense, Property-Casualty Liability 3 months or less (in loans) Primary Default Inventory, Three months or less The number of loans that have been in the primary default inventory for three months or less as of the balance sheet date. RSUs subject to performance conditions RSUs Subject to Performance Conditions [Member] RSUs Subject to Performance Conditions Net unrealized gains and (losses) on available-for-sale securities AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale, Parent [Member] New Accounting Pronouncements and Changes in Accounting Principles [Abstract] Accounting Standards Update and Change in Accounting Principle [Abstract] Document Type Document Type Impairments Debt Securities, Available-for-Sale, Realized Gain (Loss) Return premium accrual Increase (Decrease) in Other Insurance Liabilities Components of Net Periodic Benefit Cost [Abstract] Defined Benefit Plan, Net Periodic Benefit Cost (Credit) [Abstract] Causes of Increase (Decrease) in Liability for Unpaid Claims and Claims Adjustment Expense [Line Items] Causes of Increase (Decrease) in Liability for Unpaid Claims and Claims Adjustment Expense [Line Items] Debt Debt Disclosure [Text Block] Product and Service [Domain] Product and Service [Domain] Cash flows from operating activities: Net Cash Provided by (Used in) Operating Activities, Continuing Operations [Abstract] Entity Shell Company Entity Shell Company Schedule of coverages and retention Reinsurance Retention [Table Text Block] Investments [Abstract] Investments [Abstract] Deferred tax expense Deferred Income Tax Expense (Benefit) Reinsurance Coverage, Traditional XOL Transaction Reinsurance Coverage, Traditional XOL Transaction [Member] Reinsurance Coverage, Traditional XOL Transaction Direct Direct Premiums Earned Reinsurance, quote share reinsurance agreement, annual loss ratio cap (as a percent) Reinsurance, Quota Share Reinsurance Agreement, Terms, Annual Loss Ratio Cap Reinsurance, Quota Share Reinsurance Agreement, Terms, Annual Loss Ratio Cap Financial Instrument [Axis] Financial Instrument [Axis] Unvested RSUs Unvested restricted stock units [Member] Refers to the unvested restricted stock units. Other invested assets, at cost Other Investments Subsequent Event Subsequent Event [Member] Quota Share Reinsurance Transactions Quota Share Reinsurance Transactions [Member] Quota Share Reinsurance Transactions Document Period End Date Document Period End Date 2021 and 2022 QSR - 2021 NIW Quota Share Reinsurance Agreement, 2021 and 2022 - 2021 NIW [Member] Quota Share Reinsurance Agreement, 2021 [Member] Accumulated other comprehensive income (loss) Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block] Total assets Assets Assets Total losses paid Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid Debt Disclosure [Abstract] Debt Disclosure [Abstract] Earnings per share: Earnings Per Share [Abstract] Earnings Per Share [Abstract] Quota share for all policies covered (as a percent) Reinsurance, Quota Share Reinsurance Agreement, Terms, Quota Share, Percent Reinsurance, Quota Share Reinsurance Agreement, Terms, Quota Share, Percent Federal Home Loan Bank Advances (FHLB) Federal Home Loan Bank Advances [Member] Non Catastrophic Event [Axis] Noncatastrophic Event [Axis] Company contribution to qualified pension plan Defined Benefit Plan, Plan Assets, Contributions by Employer Equity securities, at fair value (cost 2022 - $16,006; 2021 - $15,838) Equity securities Equity Securities, FV-NI, Current Net cash provided by (used in) financing activities Net Cash Provided by (Used in) Financing Activities Home Re 2021-2 Home Re 2021-2 [Member] Home Re 2021-2 Stockholders' Equity Note [Abstract] Stockholders' Equity Note [Abstract] Interest expense Interest Expense, Debt Less: Amounts reclassified from AOCI Reclassification from AOCI, Current Period, Net of Tax, Attributable to Parent ABS Asset-Backed Securities [Member] Income before tax Total reclassifications before tax Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest Shareholders’ equity: Stockholders' Equity Attributable to Parent [Abstract] Cumulative Effect, Period of Adoption [Domain] Cumulative Effect, Period of Adoption [Domain] 4 - 11 months (as a percent) Primary Default Inventory, four to eleven months, Percentage The percentage of loans that have been in the primary default inventory for at least four months but no greater than eleven months as of the balance sheet date. Earnings per Share Earnings Per Share [Text Block] Total interest payments Interest Paid, Including Capitalized Interest, Operating and Investing Activities 4 - 11 months (in loans) Primary Default Inventory, four to eleven months The number of loans that have been in the primary default inventory for at least four months but no greater than eleven months as of the balance sheet date. Interest cost Defined Benefit Plan, Interest Cost Due after one year through five years Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five Loss ratio threshold for profit commissions (as a percent) Loss Ratio Reinsurance recoverable on loss reserves Reinsurance recoverable on loss reserves Less reinsurance recoverable Plus reinsurance recoverable Reinsurance Recoverable for Unpaid Claims and Claims Adjustments Schedule of Investments [Line Items] Schedule of Investments [Line Items] Award Type [Domain] Award Type [Domain] RMBS Residential Mortgage-Backed Securities [Member] Gross Gains Equity Securities, FV-NI, Unrealized Gain Total - Unrealized Losses Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss Loss on debt extinguishment Gain (Loss) on Extinguishment of Debt Ceded Policyholder Benefits and Claims Incurred, Ceded Carrying value and fair value of financial assets and liabilities Fair Value, by Balance Sheet Grouping [Table Text Block] Cash flows from financing activities: Net Cash Provided by (Used in) Financing Activities, Continuing Operations [Abstract] Entity Registrant Name Entity Registrant Name Amount of policyholders position above or below required MPP Amount of policyholders position above or below required regulatory minimum The amount by which the entity's policyholders position (the insurer's net worth or surplus, contingency reserve and a portion of the reserves for unearned premiums) was above or below the required regulatory minimum of the entity's domiciliary state. Defined Benefit Plans and Other Postretirement Benefit Plans Disclosures [Table] Defined Benefit Plans and Other Postretirement Benefit Plans Disclosures [Table] Risk-to-capital ratio Statutory Capital Requirements, Risk To Capital Ratio Statutory Capital Requirements, Risk To Capital Ratio Entity Address, City or Town Entity Address, City or Town Benefit Plans Retirement Benefits [Text Block] Primary Delinquent Inventory [Roll Forward] Primary Default Inventory [Roll Forward] A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period. Increase (decrease) in estimated severity on primary defaults Increase Decrease in Estimated Severity Primary Defaults [Member] The increase (decrease) in estimated severity on primary defaults that occurred in prior periods. Total debt securities without single maturity date, fair value Debt Securities, Available-for-Sale, Maturity, without Single Maturity Date, Fair Value Minimum Minimum [Member] Conversion rate (in shares per $1,000 note) Debt Instrument, Convertible, Conversion Ratio Due in one year or less Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One Statement of Financial Position [Abstract] Statement of Financial Position [Abstract] Entity Emerging Growth Company Entity Emerging Growth Company Common stock, par value (in dollars per share) Common Stock, Par or Stated Value Per Share Commitments and Contingencies Disclosure [Abstract] Commitments and Contingencies Disclosure [Abstract] Deferred insurance policy acquisition costs Deferred Policy Acquisition Cost Pension Plan Pension Plan [Member] Fair Value Measurements Fair Value Disclosures [Text Block] Trading Symbol Trading Symbol Entity File Number Entity File Number 2021 and 2022 QSR - 2022 NIW Quota Share Reinsurance Agreement, 2021 and 2022 - 2022 NIW [Member] Quota Share Reinsurance Agreement, 2021 and 2022 - 2022 NIW Shares repurchased, weighted average price per share Treasury Stock Acquired, Average Cost Per Share 2022 and 2023 QSR - 2023 NIW Quota Share Reinsurance Agreement, 2022 and 2023 - 2023 NIW [Member] Quota Share Reinsurance Agreement, 2022 and 2023 - 2023 NIW Reinsurer Name [Domain] Reinsurer, Name [Domain] Accumulated Other Comprehensive Income (Loss) [Line Items] Accumulated Other Comprehensive Income (Loss) [Line Items] Percent of 12 months or more delinquent inventory, delinquent for more than 36 months (as a percent) Primary Default Inventory Twelve Months Or More, Percent Of Primary Default Inventory In Default For Twelve Months Or More In Default For More Than Thirty Six Consecutive Months Primary Default Inventory Twelve Months Or More, Percent Of Primary Default Inventory In Default For Twelve Months Or More In Default For More Than Thirty Six Consecutive Months Non-employee director RSUs Non-employee director RSUs [Member] Non-employee director RSUs Maximum risk-to-capital ratio Statutory Accounting Practices, Regulatory Capital Requirements, Risk-to-Capital Ratio, Maximum Statutory Accounting Practices, Regulatory Capital Requirements, Risk-to-Capital Ratio, Maximum Embedded derivative related to Home Re transactions Embedded Derivative, Fair Value of Embedded Derivative, Net Summary of amounts disclosed under statutory accounting practices Statutory Accounting Practices Disclosure [Table Text Block] Profit commission receivable Increase Decrease in Profit Commission Receivable The net change during the reporting period in the amount of profit commission receivable. Restricted cash and cash equivalents Restricted Cash and Cash Equivalents Granted (in shares) Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period Home Re 2022-1 Home Re 2022-1 [Member] Home Re 2022-1 Non Catastrophic Event [Domain] Noncatastrophic Event [Domain] Other comprehensive income (loss), net of tax: Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent [Abstract] Assumed Assumed Premiums Earned Losses paid: Losses paid [Abstract] Total revenues Revenues Investments Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block] 12 Months or Greater - Fair Value Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer Basic (in dollars per share) Basic earnings per share (in dollars per share) Earnings Per Share, Basic 2015 QSR Quota Share Reinsurance Agreement, 2015 [Member] Quota Share Reinsurance Agreement, 2015 [Member] Ceding commission, percentage (as a percent) Reinsurance, Quota Share Reinsurance Agreement, Terms, Ceding Commission, Percent Reinsurance, Quota Share Reinsurance Agreement, Terms, Ceding Commission, Percent Net benefit plan assets and (obligations) recognized in shareholders' equity Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member] Insurance Disclosure Insurance Disclosure [Text Block] Treasury stock Treasury Stock [Member] Total shareholders’ equity Balance, beginning of period Balance, end of period Stockholders' Equity Attributable to Parent Amortization period excess of loss reinsurance coverage Amortization Period Excess of Loss Reinsurance Coverage Amortization Period Excess of Loss Reinsurance Coverage Total debt securities with single maturity date, fair value Available For Sale Securities, Debt Maturities, With Single Maturity Date, Fair Value This item represents the total fair value of debt securities, categorized neither as held-to-maturity nor trading securities, which have a single maturity date. Due after five years through ten years Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 Entity Interactive Data Current Entity Interactive Data Current CMBS Commercial Mortgage-Backed Securities [Member] Ceded Ceded Premiums Earned Change in certain assets and liabilities: Increase (Decrease) in Operating Capital [Abstract] Proceeds from sales of fixed income securities Proceeds from Sale of Debt Securities, Available-for-Sale Portion at Fair Value Measurement Portion at Fair Value Measurement [Member] Retained earnings Retained Earnings [Member] Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect Common stock Common Stock [Member] Adjusted statutory net income measurement period (in years) Statutory Accounting Practices, Statutory Amount Available For Dividend Payments Without Regulatory Approval, Measurement, Measurement Period Statutory Accounting Practices, Statutory Amount Available For Dividend Payments Without Regulatory Approval, Measurement, Measurement Period Cede rate, option 2 (as a percent) Reinsurance, Quota Share Reinsurance Agreement, Terms, Ceding Rate, Percent, Option Two Reinsurance, Quota Share Reinsurance Agreement, Terms, Ceding Rate, Percent, Option Two Other comprehensive income (loss), net of tax Other comprehensive income (loss), net of tax Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent Other comprehensive income (loss) before reclassifications OCI, before Reclassifications, Net of Tax, Attributable to Parent Premiums receivable Premiums Receivable, Net Repurchase of common stock Repurchase of common stock Payments for Repurchase of Common Stock Statement [Table] Statement [Table] Document Quarterly Report Document Quarterly Report $1,000 Increase/Decrease In Average Severity Reserve Factor $1,000 Increase/Decrease In Average Severity Reserve Factor [Member] $1,000 Increase/Decrease In Average Severity Reserve Factor Benefit plan adjustments Other Comprehensive (Income) Loss, Defined Benefit Plan, after Tax and Reclassification Adjustment, Attributable to Parent FHLB advance, collateral pledged Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged Excess of Loss Reinsurance Transactions Excess of Loss Reinsurance Transactions [Member] Excess of Loss Reinsurance Transactions Statistical Measurement [Axis] Statistical Measurement [Axis] Shares repurchased in period (in shares) Treasury Stock, Shares, Acquired Aging of the Primary Delinquent Inventory [Abstract] Aging of the Primary Default Inventory [Abstract] Reclassification out of Accumulated Other Comprehensive Income [Domain] Reclassification out of Accumulated Other Comprehensive Income [Domain] Retained earnings Retained Earnings (Accumulated Deficit) Approximate contractual termination term Reinsurance, Excess Retention, Estimated Term Of Amount Reinsured, Per Policy Reinsurance, Excess Retention, Estimated Term Of Amount Reinsured, Per Policy Due after ten years Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10 Proceeds from maturity of fixed income securities Proceeds From Maturity of Fixed Income Securities Proceeds from the maturity of fixed income securities for the period. U.S. Treasury securities and obligations of U.S. government corporations and agencies US Treasury and Government [Member] Equity Components [Axis] Equity Components [Axis] Fair Value, Recurring Fair Value, Recurring [Member] Dilutive securities Dilutive Securities, Effect on Basic Earnings Per Share 9% Convertible Junior Subordinated Debentures Subordinated Debt Obligations, Fair Value Disclosure Less Than 12 Months - Fair Value Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months Document Fiscal Year Focus Document Fiscal Year Focus Statement [Line Items] Statement [Line Items] Direct Policyholder Benefits and Claims Incurred, Direct Loss reserves Increase (decrease) in loss reserves Increase (Decrease) in Liability for Claims and Claims Adjustment Expense Reserve Amounts Reclassified From Accumulated Other Comprehensive Income [Abstract] Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract] Fair Value Hierarchy and NAV [Axis] Fair Value Hierarchy and NAV [Axis] Effects of Reinsurance [Line Items] Effects of Reinsurance [Line Items] Cede rate, option 1 (as a percent) Reinsurance, Quota Share Reinsurance Agreement, Terms, Ceding Rate, Percent, Option One Reinsurance, Quota Share Reinsurance Agreement, Terms, Ceding Rate, Percent, Option One Assumed Assumed Premiums Written Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table] Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table] Significant Accounting Policies Accounting Standards Update and Change in Accounting Principle [Text Block] Gross Unrealized Losses Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax Accumulated other comprehensive income (loss) AOCI Attributable to Parent [Member] Schedule Of Quota Share Reinsurance Transactions Schedule Of Quota Share Reinsurance Agreements [Table Text Block] Schedule Of Quota Share Reinsurance Agreements Other Comprehensive Income Comprehensive Income (Loss) Note [Text Block] Decrease in unearned premiums, net (Increase) Decrease in Unearned Premiums, Net 2020 and 2021 QSR - 2020 NIW Quota Share Reinsurance Agreement, 2020 and 2021 - 2020 NIW [Member] Quota Share Reinsurance Agreement, 2020 and 2021 - 2020 NIW Increase (decrease) in estimated claim rate on primary defaults Increase Decrease in Expected Claim Rate [Member] The increase (decrease) in the expected claim rate on primary and/or pool defaults that occurred in prior periods. Document Transition Report Document Transition Report Total other comprehensive income (loss) Other Comprehensive Income (Loss), before Tax, Portion Attributable to Parent Local Phone Number Local Phone Number Paid claims (in loans) Primary Default Inventory, Paids Deductions from the primary default inventory resulting from claims being paid, including those charged to a deductible or captive. Fixed income securities Fixed Income Securities [Abstract] Fixed Income Securities Schedule of stock-based compensation, activity Share-Based Payment Arrangement, Activity [Table Text Block] Prospective Accounting Standards New Accounting Pronouncements, Policy [Policy Text Block] Credit Union QSR Transaction Credit Union Quota Share Reinsurance Transaction [Member] Credit Union Quota Share Reinsurance Transaction Common stock, shares outstanding (in shares) Common Stock, Shares, Outstanding Excess of loss reinsurance coverage, initial and remaining Reinsurance Retention Policy, Excess Of Loss Reinsurance Coverages Reinsurance Retention Policy, Excess of Loss Reinsurance Coverages Federal Home Loan Bank advance prepayment amount Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Repayment and Penalties Gross Losses Equity Securities, FV-NI, Unrealized Loss Treasury stock, shares at cost (in shares) Treasury Stock, Shares Adjustments to reconcile net income to net cash provided by operating activities: Adjustments to Reconcile Net Income (Loss) to Cash Provided by (Used in) Operating Activities [Abstract] Provision for income tax Income tax benefit (expense) Income Tax Expense (Benefit) Deferred insurance policy acquisition costs Increase (Decrease) in Deferred Policy Acquisition Costs Income Statement [Abstract] Income Statement [Abstract] Paid-in capital Additional Paid-in Capital [Member] Document Fiscal Period Focus Document Fiscal Period Focus Cumulative Effect, Period of Adoption, Adjusted Balance Cumulative Effect, Period of Adoption, Adjusted Balance [Member] Basic earnings per share: Earnings Per Share, Basic [Abstract] Weighted average common shares outstanding - diluted (in shares) Weighted average common shares outstanding - diluted (in shares) Weighted Average Number of Shares Outstanding, Diluted Adjusted statutory net income dividend payment measurement period (in years) Statutory Accounting Practices, Statutory Amount Available for Dividend Payments without Regulatory Approval, Measurement, Dividend Payment Period Statutory Accounting Practices, Statutory Amount Available for Dividend Payments without Regulatory Approval, Measurement, Dividend Payment Period Prior year development of the reserves Schedule of Causes of Increase (Decrease) in Liability for Unpaid Claims and Claims Adjustment Expense [Table Text Block] 2019 QSR Quota Share Reinsurance Agreement, 2019 [Member] Quota Share Reinsurance Agreement, 2019 [Member] Accounting Standards Update and Change in Accounting Principle Accounting Standards Update and Change in Accounting Principle [Table Text Block] Debt Securities, Available-for-sale [Line Items] Debt Securities, Available-for-Sale [Line Items] Quarterly cash dividend paid (per share) Common Stock, Dividends, Per Share, Cash Paid Insurance Loss Reserves [Abstract] Insurance Loss Reserves [Abstract] Total investment portfolio Investments Common stock (one dollar par value, shares authorized 1,000,000; shares issued 2022 - 371,353; 2021 - 371,353; shares outstanding 2022 - 299,478; 2021 - 320,336) Common Stock, Value, Issued Carrying Value Reported Value Measurement [Member] Debt Instrument, Name [Domain] Debt Instrument, Name [Domain] Senior Notes Senior Notes [Member] Weighted Average Share Fair Value (in dollars per share) Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value Convertible debt, conversion price (in dollars per share) Debt Instrument, Convertible, Conversion Price 9% Convertible Junior Subordinated Debentures Convertible Subordinated Debt [Member] Other revenue Other Income Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items] Earnings Per Share, Basic, by Common Class, Including Two Class Method [Line Items] Cash and cash equivalents and restricted cash and cash equivalents at beginning of period Cash and cash equivalents and restricted cash and cash equivalents at end of period Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents Effect of reinsurance transactions Effects of Reinsurance [Table Text Block] Common stock, shares issued (in shares) Common Stock, Shares, Issued Other underwriting and operating expenses, net Other Underwriting Expense Retirement Plan Type [Domain] Retirement Plan Type [Domain] Cost and fair value of investments in equity securities Debt Securities, Trading, and Equity Securities, FV-NI [Table Text Block] Reclassification from Accumulated Other Comprehensive Income Reclassification out of Accumulated Other Comprehensive Income [Member] Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] Number of securities in unrealized loss position (in securities) Debt Securities, Available-for-Sale, Unrealized Loss Position, Number of Positions Total - Fair Value Debt Securities, Available-for-Sale, Unrealized Loss Position Amendment Flag Amendment Flag Net cash provided by (used in) investing activities Net Cash Provided by (Used in) Investing Activities Debt instrument, face amount Debt Instrument, Face Amount 3 months or less (as a percent) Primary Default Inventory, Three months or less, Percentage The percentage of loans that have been in the primary default inventory for three months or less as of the balance sheet date. Comprehensive income (loss) Comprehensive Income (Loss), Net of Tax, Attributable to Parent Gross Unrealized Gains Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Gain, before Tax Entity Current Reporting Status Entity Current Reporting Status Schedule of Earnings Per Share, Basic, by Common Class, Including Two Class Method [Table] Schedule of Earnings Per Share, Basic, by Common Class, Including Two Class Method [Table] 12 months or more (as a percent) Primary Default Inventory, Twelve Months or More, Percentage The percentage of loans that have been in the primary default inventory for twelve months or more as of the balance sheet date. Schedule of realized gains (losses) and proceeds from sale of securities Schedule of Realized Gain (Loss) [Table Text Block] Losses and LAE paid in respect of delinquency notices received in: Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid [Abstract] Federal statutory income tax rate (in hundredths) Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent 2020 QSR Quota Share Reinsurance Agreement, 2020 [Member] Quota Share Reinsurance Agreement, 2020 Home Re 2018-1 Home Re 2018-1 [Member] Home Re 2018-1 Ltd [Member] Accumulated Other Comprehensive Income (Loss) [Table] Accumulated Other Comprehensive Income (Loss) [Table] Reclassification out of Accumulated Other Comprehensive Income [Table] Reclassification out of Accumulated Other Comprehensive Income [Table] Schedule of Stock by Class [Table] Schedule of Stock by Class [Table] Total primary delinquent inventory (as a percent) Primary default inventory, Percentage The percentage of loans in the primary default inventory. Entity Incorporation, State or Country Code Entity Incorporation, State or Country Code Remaining first layer retention Reinsurance, Amount Retained, Per Life Liabilities: Liabilities [Abstract] Home office and equipment, net Property, Plant and Equipment, Net Optional termination term Reinsurance, Excess Retention, Optional Termination Term Of Amount Reinsured, Per Policy Reinsurance, Excess Retention, Optional Termination Term Of Amount Reinsured, Per Policy Depreciation and amortization Depreciation, Amortization and Accretion, Net Repurchases of convertible junior subordinated debentures Repayments of Long-Term Debt Profit commission on reinsurance Reinsurance, Profit Commission Reinsurance, Profit Commission Treasury stock at cost (shares 2022 - 71,875; 2021 - 51,017) Treasury Stock, Value Statutory policyholders' surplus Statutory Accounting Practices, Statutory Capital and Surplus, Balance Statutory capital requirements [Abstract] Statutory capital requirements [Abstract] Long-term debt, carrying value Long-Term Debt Common stock, shares authorized (in shares) Common Stock, Shares Authorized Change in embedded derivative on Home Re Transactions Embedded Derivative, Gain (Loss) on Embedded Derivative, Net Statement of Comprehensive Income [Abstract] Statement of Comprehensive Income [Abstract] Maximum Maximum [Member] Accumulated other comprehensive income (loss), net of tax Accumulated Other Comprehensive Income (Loss), Net of Tax Effects of Reinsurance [Table] Effects of Reinsurance [Table] Cash and cash equivalents Cash and Cash Equivalents, at Carrying Value CLOs Collateralized Loan Obligations [Member] Defined Benefit Plans and Other Postretirement Benefit Plans [Line Items] Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items] Reinsurance recoverable on paid losses Reinsurance Recoverable for Paid Claims and Claims Adjustments Entity Small Business Entity Small Business Measurement Basis [Axis] Measurement Basis [Axis] Measurement Frequency [Domain] Measurement Frequency [Domain] Shareholders' Equity Stockholders' Equity Note Disclosure [Text Block] Risk to capital ratio at end of period Risk to capital ratio at end of period The entity's risk-to-capital ratio as of the end of the reporting period. 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Aging of the primary delinquent inventory Aging of Primary Default Inventory [Table Text Block] Tabular disclosure of the aging of the loan primary default inventory. Cost Equity Securities, FV-NI, Cost Amortized cost and fair values of fixed income securities by contractual maturity Investments Classified by Contractual Maturity Date [Table Text Block] Entity Filer Category Entity Filer Category Weighted average common shares outstanding - basic (in shares) Weighted average common shares outstanding - basic (in shares) Weighted Average Number of Shares Outstanding, Basic QSR Transactions, 2017 & 2018 Quota Share Reinsurance Transactions, 2017 & 2018 [Member] Quota Share Reinsurance Transactions, 2017 & 2018 Schedule of total assets of Home Re Schedule of Variable Interest Entities [Table Text Block] Prior years decrease in reserves Prior years Prior Year Claims and Claims Adjustment Expense Losses incurred, net Losses incurred, net Policyholder Benefits and Claims Incurred, Net, Property, Casualty and Liability Contingencies Commitments and Contingencies Number of jurisdictions with risk-to-capital requirements (in jurisdictions) Number of jurisdictions with risk to capital requirements The number of jurisdictions that require a mortgage insurer to maintain a minimum amount of statutory capital relative to the risk in force (or a similar measure) in order for the mortgage insurer to continue to write new business. This is generally referred to as a risk-to-capital requirement. Security Exchange Name Security Exchange Name Dividend paid to the holding company SEC Schedule, 12-04, Cash Dividends Paid to Registrant, Consolidated Subsidiaries Amortization of deferred policy acquisition costs Deferred Policy Acquisition Costs, Amortization Expense Long-term debt Schedule of Debt [Table Text Block] Service cost Defined Benefit Plan, Service Cost Accrued investment income Increase (Decrease) in Accrued Investment Income Receivable Rescissions and denials (in loans) Primary Default Inventory, Rescissions and Denials Deductions from the primary default inventory resulting from rescissions and denials. 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Mortgage Guaranty Insurance Corporation Mortgage Guaranty Insurance Corporation [Member] Another company which is controlled, directly or indirectly, by its parent. The usual condition for control is ownership of a majority (over 50%) of the outstanding voting stock. The power to control may also exist with a lesser percentage of ownership, for example, by contract, lease, agreement with other stockholders or by court decree. 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Document and Entity Information - shares
 9 Months Ended
Sep. 30, 2022
Oct. 28, 2022
Cover [Abstract]    
Document Type 10-Q  
Document Quarterly Report true  
Document Period End Date Sep. 30, 2022  
Document Transition Report false  
Entity File Number 1-10816  
Entity Registrant Name MGIC Investment Corp  
Entity Incorporation, State or Country Code WI  
Entity Tax Identification Number 39-1486475  
Entity Address, Address Line One 250 E. Kilbourn Avenue  
Entity Address, City or Town Milwaukee,  
Entity Address, State or Province WI  
Entity Address, Postal Zip Code 53202  
City Area Code (414)  
Local Phone Number 347-6480  
Title of each class Common stock  
Trading Symbol MTG  
Security Exchange Name NYSE  
Entity Current Reporting Status Yes  
Entity Interactive Data Current Yes  
Entity Filer Category Large Accelerated Filer  
Entity Small Business false  
Entity Emerging Growth Company false  
Entity Shell Company false  
Entity Common Stock, Shares Outstanding   297,025,490
Entity Central Index Key 0000876437  
Current Fiscal Year End Date --12-31  
Document Fiscal Year Focus 2022  
Document Fiscal Period Focus Q3  
Amendment Flag false  
XML 13 R2.htm IDEA: XBRL DOCUMENT v3.22.2.2
CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands
Sep. 30, 2022
Dec. 31, 2021
Investment portfolio:    
Fixed income, available-for-sale, at fair value (amortized cost 2022 - $5,970,459; 2021 - $6,397,658) $ 5,400,982 $ 6,587,581
Equity securities, at fair value (cost 2022 - $16,006; 2021 - $15,838) 13,885 16,068
Other invested assets, at cost 850 3,100
Total investment portfolio 5,415,717 6,606,749
Cash and cash equivalents 241,982 284,690
Restricted cash and cash equivalents 7,776 20,268
Accrued investment income 52,867 51,902
Reinsurance recoverable on loss reserves 46,384 66,905
Reinsurance recoverable on paid losses 214 36,275
Premiums receivable 57,654 56,540
Home office and equipment, net 44,206 45,614
Deferred insurance policy acquisition costs 19,975 21,671
Deferred income taxes, net 122,228 0
Other assets 145,113 134,394
Total assets 6,154,116 7,325,008
Liabilities:    
Loss reserves 603,370 883,522
Unearned premiums 207,935 241,690
Federal Home Loan Bank advance 0 155,000
Senior notes 641,357 881,508
Convertible junior subordinated debentures 21,296 110,204
Other liabilities 140,097 191,702
Total liabilities 1,614,055 2,463,626
Contingencies
Shareholders’ equity:    
Common stock (one dollar par value, shares authorized 1,000,000; shares issued 2022 - 371,353; 2021 - 371,353; shares outstanding 2022 - 299,478; 2021 - 320,336) 371,353 371,353
Paid-in capital 1,792,043 1,794,906
Treasury stock at cost (shares 2022 - 71,875; 2021 - 51,017) (970,870) (675,265)
Accumulated other comprehensive income (loss), net of tax (495,525) 119,697
Retained earnings 3,843,060 3,250,691
Total shareholders’ equity 4,540,061 4,861,382
Total liabilities and shareholders’ equity $ 6,154,116 $ 7,325,008
XML 14 R3.htm IDEA: XBRL DOCUMENT v3.22.2.2
CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($)
$ in Thousands
Sep. 30, 2022
Dec. 31, 2021
Statement of Financial Position [Abstract]    
Fixed maturities, amortized cost $ 5,970,459 $ 6,397,658
Cost $ 16,006 $ 15,838
Common stock, par value (in dollars per share) $ 1 $ 1
Common stock, shares authorized (in shares) 1,000,000,000 1,000,000,000
Common stock, shares issued (in shares) 371,353,000 371,353,000
Common stock, shares outstanding (in shares) 299,478,000 320,336,000
Treasury stock, shares at cost (in shares) 71,875,000 51,017,000
XML 15 R4.htm IDEA: XBRL DOCUMENT v3.22.2.2
CONSOLIDATED STATEMENTS OF OPERATIONS - USD ($)
shares in Thousands, $ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Premiums written:        
Direct $ 279,317 $ 280,172 $ 830,646 $ 846,700
Assumed 2,205 2,477 6,291 6,810
Ceded (39,215) (35,039) (107,644) (122,664)
Net premiums written 242,307 247,610 729,293 730,846
Decrease in unearned premiums, net 9,804 7,234 33,755 30,582
Net premiums earned 252,111 254,844 763,048 761,428
Investment income, net of expenses 42,549 38,282 121,116 117,304
Net gains (losses) on investments and other financial instruments (3,258) 612 (8,776) 5,773
Other revenue 1,397 2,008 5,143 7,050
Total revenues 292,799 295,746 880,531 891,555
Losses and expenses:        
Losses incurred, net (105,054) 20,766 (223,426) 89,566
Amortization of deferred policy acquisition costs 3,179 3,295 8,901 9,016
Other underwriting and operating expenses, net 58,475 53,942 166,656 155,763
Loss on debt extinguishment 11,632 0 40,130 0
Interest expense 10,300 18,011 38,673 53,993
Total losses and expenses (21,468) 96,014 30,934 308,338
Income before tax 314,267 199,732 849,597 583,217
Provision for income tax 64,642 41,755 175,691 122,168
Net income $ 249,625 $ 157,977 $ 673,906 $ 461,049
Earnings per share:        
Basic (in dollars per share) $ 0.82 $ 0.47 $ 2.18 $ 1.36
Diluted (in dollars per share) $ 0.81 $ 0.46 $ 2.15 $ 1.33
Weighted average common shares outstanding - basic (in shares) 302,622 335,938 309,097 338,045
Weighted average common shares outstanding - diluted (in shares) 307,194 353,557 315,029 355,481
XML 16 R5.htm IDEA: XBRL DOCUMENT v3.22.2.2
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Statement of Comprehensive Income [Abstract]        
Net income $ 249,625 $ 157,977 $ 673,906 $ 461,049
Other comprehensive income (loss), net of tax:        
Change in unrealized investment gains and losses (153,615) (27,600) (599,933) (76,675)
Benefit plan adjustments (16,172) 5,963 (15,289) 7,499
Other comprehensive income (loss), net of tax (169,787) (21,637) (615,222) (69,176)
Comprehensive income (loss) $ 79,838 $ 136,340 $ 58,684 $ 391,873
XML 17 R6.htm IDEA: XBRL DOCUMENT v3.22.2.2
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY - USD ($)
$ in Thousands
Total
Common stock
Paid-in capital
Paid-in capital
Cumulative Effect, Period of Adoption, Adjustment
Paid-in capital
Cumulative Effect, Period of Adoption, Adjusted Balance
Treasury stock
Accumulated other comprehensive income (loss)
Retained earnings
Retained earnings
Cumulative Effect, Period of Adoption, Adjustment
Retained earnings
Cumulative Effect, Period of Adoption, Adjusted Balance
Balance, beginning of period at Dec. 31, 2020   $ 371,353 $ 1,862,042 $ (68,289) $ 1,793,753 $ (393,326) $ 216,821 $ 2,642,096 $ 68,289 $ 2,710,385
Increase (Decrease) in Stockholders' Equity [Roll Forward]                    
Reissuance of treasury stock, net under share-based compensation plans     (15,956)     8,879        
Equity compensation     12,077              
Repurchase of common stock           (150,000)        
Other comprehensive income (loss), net of tax $ (69,176)           (69,176)      
Net income 461,049             461,049    
Cash dividends               (68,439)    
Balance, end of period at Sep. 30, 2021 $ 4,877,420 371,353 1,789,874     (534,447) 147,645 3,102,995    
Increase (Decrease) in Stockholders' Equity [Roll Forward]                    
Accounting Standards Update [Extensible Enumeration] Accounting Standards Update 2020-06 [Member]                  
Balance, beginning of period at Jun. 30, 2021   371,353 1,786,260     (384,550) 169,282 2,972,362    
Increase (Decrease) in Stockholders' Equity [Roll Forward]                    
Reissuance of treasury stock, net under share-based compensation plans     (211)     103        
Equity compensation     3,825              
Repurchase of common stock           (150,000)        
Other comprehensive income (loss), net of tax $ (21,637)           (21,637)      
Net income 157,977             157,977    
Cash dividends               (27,344)    
Balance, end of period at Sep. 30, 2021 4,877,420 371,353 1,789,874     (534,447) 147,645 3,102,995    
Balance, beginning of period at Dec. 31, 2021 4,861,382 371,353 1,794,906     (675,265) 119,697 3,250,691    
Increase (Decrease) in Stockholders' Equity [Roll Forward]                    
Reissuance of treasury stock, net under share-based compensation plans     (20,537)     10,579        
Equity compensation     17,674              
Repurchase of common stock           (306,184)        
Other comprehensive income (loss), net of tax (615,222)           (615,222)      
Net income 673,906             673,906    
Cash dividends               (81,537)    
Balance, end of period at Sep. 30, 2022 4,540,061 371,353 1,792,043     (970,870) (495,525) 3,843,060    
Balance, beginning of period at Jun. 30, 2022   371,353 1,791,380     (887,959) (325,738) 3,623,983    
Increase (Decrease) in Stockholders' Equity [Roll Forward]                    
Reissuance of treasury stock, net under share-based compensation plans     (2,670)     1,400        
Equity compensation     3,333              
Repurchase of common stock           (84,311)        
Other comprehensive income (loss), net of tax (169,787)           (169,787)      
Net income 249,625             249,625    
Cash dividends               (30,548)    
Balance, end of period at Sep. 30, 2022 $ 4,540,061 $ 371,353 $ 1,792,043     $ (970,870) $ (495,525) $ 3,843,060    
XML 18 R7.htm IDEA: XBRL DOCUMENT v3.22.2.2
CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Cash flows from operating activities:    
Net income $ 673,906 $ 461,049
Adjustments to reconcile net income to net cash provided by operating activities:    
Depreciation and amortization 42,826 49,820
Deferred tax expense 1,900 4,591
Equity compensation 17,674 12,077
Loss on debt extinguishment 40,130 0
Net (gains) losses on investments and other financial instruments 8,776 (5,773)
Change in certain assets and liabilities:    
Accrued investment income (965) (3,598)
Reinsurance recoverable on loss reserves 20,521 (11,987)
Reinsurance recoverable on paid losses 36,061 143
Premium receivable (1,114) (344)
Deferred insurance policy acquisition costs 1,696 (723)
Profit commission receivable (1,497) (18,564)
Loss reserves (280,152) 52,372
Unearned premiums (33,755) (30,582)
Return premium accrual (9,200) 7,200
Current income taxes 3,140 5,453
Other, net (36,154) (8,724)
Net cash provided by (used in) operating activities 483,793 512,410
Cash flows from investing activities:    
Purchases of investments (544,224) (1,335,569)
Proceeds from sales of investments 391,394 239,483
Proceeds from maturity of fixed income securities 536,194 700,301
Additions to property and equipment (2,402) (2,388)
Net cash provided by (used in) investing activities 380,962 (398,173)
Cash flows from financing activities:    
Purchase of convertible junior subordinated debentures (88,908) 0
Redemption of 5.75% senior notes (242,296) 0
Repayment of FHLB Advance (155,000) 0
Cash portion of loss on debt extinguishment (39,445) 0
Repurchase of common stock (303,060) (150,000)
Dividends paid (81,288) (68,276)
Payment of withholding taxes related to share-based compensation net share settlement (9,958) (6,729)
Net cash provided by (used in) financing activities (919,955) (225,005)
Net increase (decrease) in cash and cash equivalents and restricted cash and cash equivalents (55,200) (110,768)
Cash and cash equivalents and restricted cash and cash equivalents at beginning of period 304,958 296,680
Cash and cash equivalents and restricted cash and cash equivalents at end of period $ 249,758 $ 185,912
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Nature of Business and Basis of Presentation
 9 Months Ended
Sep. 30, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Nature of Business and Basis of Presentation Nature of Business and Basis of Presentation
MGIC Investment Corporation is a holding company which, through Mortgage Guaranty Insurance Corporation (“MGIC”), is principally engaged in the mortgage insurance business. We provide mortgage insurance to lenders throughout the United States and to government sponsored entities to protect against loss from defaults on low down payment residential mortgage loans. MGIC Assurance Corporation (“MAC”) and MGIC Indemnity Corporation (“MIC”), insurance subsidiaries of MGIC, provide insurance for certain mortgages under Fannie Mae and Freddie Mac (the “GSEs”) credit risk transfer programs.

The accompanying unaudited consolidated financial statements of MGIC Investment Corporation and its wholly-owned subsidiaries have been prepared in accordance with the instructions to Form 10-Q as prescribed by the Securities and Exchange Commission (“SEC”) for interim reporting and do not include all of the other information and disclosures required by accounting principles generally accepted in the United States of America (“GAAP”). These statements should be read in conjunction with the consolidated financial statements and notes thereto for the year ended December 31, 2021 included in our 2021 Annual Report on Form 10-K. As used below, “we,” “our” and “us” refer to MGIC Investment Corporation’s consolidated operations or to MGIC Investment Corporation, as the context requires.

In the opinion of management, the accompanying financial statements include all adjustments, consisting primarily of normal recurring accruals, necessary to fairly state our consolidated financial position and consolidated results of operations for the periods indicated. The consolidated results of operations for an interim period are not necessarily indicative of the results that may be expected for the year ending December 31, 2022.

The substantial majority of our NIW has been for loans purchased by the GSEs. The current private mortgage insurer eligibility requirements ("PMIERs") of the GSEs include financial requirements, as well as business, quality control and certain transactional approval requirements. The financial requirements of the PMIERs require a mortgage insurer’s "Available Assets" (generally only the most liquid assets of an insurer) to equal or exceed its "Minimum Required Assets" (which are based on an insurer's book of risk in force, calculated from tables of factors with several risk dimensions). Based on our application of the PMIERs, as of September 30, 2022, MGIC’s Available Assets are in excess of its Minimum Required Assets; and MGIC is in compliance with the PMIERs and eligible to insure loans purchased by the GSEs.
Reclassifications
Certain prior period amounts have been reclassified to conform to the current year presentation.

Subsequent events
We have considered subsequent events through the date of this filing.
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Significant Accounting Policies
 9 Months Ended
Sep. 30, 2022
Accounting Standards Update and Change in Accounting Principle [Abstract]  
Significant Accounting Policies Significant Accounting Policies
Taxes
The Inflation Reduction Act of 2022 includes provisions for a 1% excise tax on net stock repurchases and a 15% corporate minimum tax. Both of these taxes are effective in 2023. We do not expect these tax provisions to have a material impact on our Consolidated Financial Statements.

Prospective Accounting Standards
Table 2.1 shows the relevant new amendments to accounting standards, which are not yet effective or adopted.
Standard / Interpretation
Table
2.1
Amended StandardsEffective date
ASC 944Long-Duration Contracts
•ASU 2018-12 - Financial Services - Insurance (Topic 944): Targeted Improvements to the Accounting for Long-Duration ContractsJanuary 1, 2023
Targeted Improvements for Long Duration Contracts: ASU 2018-12
In August 2018, the Financial Accounting Standards Board (“FASB”) issued guidance which simplifies the amortization of deferred insurance policy acquisition costs. It also provides updates to the recognition, measurement, presentation and disclosure requirements for long duration contracts, which generally do not apply to mortgage insurance. The updated guidance requires deferred acquisition costs to be amortized on a constant level basis over the expected term of the related contracts, versus in proportion to premium, gross profits, or gross margins. In November 2020, FASB issued ASU 2020-11 deferring the effective date, so that it applies for annual periods beginning after December 15, 2022, including interim periods within those annual periods. We are currently evaluating the impacts the adoption of this guidance will have on our consolidated financial statements, but do not expect it to have a material impact.
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Debt
 9 Months Ended
Sep. 30, 2022
Debt Disclosure [Abstract]  
Debt Debt
Debt obligations
The aggregate carrying values of our long-term debt obligations and their par values, if different, as of September 30, 2022 and December 31, 2021 are presented in table 3.1 below.
Long-term debt obligations
Table
3.1
(In millions)September 30, 2022December 31, 2021
FHLB Advance - 1.91%, due February 2023$— $155.0 
5.75% Notes, due August 2023— 241.3 
5.25% Notes, due August 2028 (par value: $650 million)641.4 640.2 
9% Debentures, due April 2063 (1)
21.3 110.2 
Long-term debt, carrying value$662.7 $1,146.7 
(1)Convertible at any time prior to maturity at the holder’s option, at a conversion rate, which is subject to adjustment, of 76.5496 shares per $1,000 principal amount, representing a conversion price of approximately $13.06 per share. The payment of dividends by our holding company results in adjustments to the conversion rate, with such adjustments generally deferred until the end of the year.

The 5.25% Senior Notes (5.25% Notes) and 9% Convertible Junior Subordinated Debentures (“9% Debentures”) are obligations of our holding company, MGIC Investment Corporation.

During the nine months ending September 30, 2022, we repurchased $88.9 million in aggregate principal amount of our 9% Debentures at a purchase price of $120.9 million plus accrued interest. The repurchase of our 9% Debentures resulted in a $32.0 million loss on debt extinguishment on our consolidated statement of operations and a reduction of approximately 6.8 million potentially dilutive shares.

The Federal Home Loan Bank Advance (the “FHLB Advance”) was an obligation of MGIC. In the first quarter of 2022, we repaid the outstanding principal balance of the FHLB Advance at a prepayment price of $156.3 million, incurring a prepayment fee of $1.3 million.

In July 2022, we redeemed the outstanding principal balance of the 5.75% Senior Notes (“5.75% Notes”) at a purchase price of $248.4 million plus accrued interest. The excess of the purchase price over the carrying value, plus the write-off of unamortized issuance costs on the par value, resulted in a $6.8 million loss on debt extinguishment. The 5.75% Notes were an obligation of our holding company.

See Note 7 - “Debt” in our Annual Report on Form 10-K for the year ended December 31, 2021 for additional information pertaining to our debt obligations. As of September 30, 2022 we are in compliance with all of our debt covenants.

Interest payments
Interest payments for the nine months ended September 30, 2022 and 2021 were $52.7 million and $60.0 million, respectively.
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Reinsurance
 9 Months Ended
Sep. 30, 2022
Reinsurance Disclosures [Abstract]  
Reinsurance Reinsurance
The reinsurance agreements to which we are a party, are discussed below. The effect of all of our reinsurance agreements on premiums earned and losses incurred is shown in table 4.1 below.
Reinsurance
Table
4.1
 Three Months Ended September 30,Nine Months Ended September 30,
(In thousands)2022202120222021
Premiums earned:
Direct$289,072 $287,223 $864,191 $876,541 
Assumed 2,254 2,660 6,501 7,551 
Ceded - quota share reinsurance (1)
(19,348)(22,911)(56,721)(90,284)
Ceded - excess-of-loss reinsurance(19,867)(12,128)(50,923)(32,380)
Total ceded(39,215)(35,039)(107,644)(122,664)
Net premiums earned$252,111 $254,844 $763,048 $761,428 
Losses incurred:
Direct$(112,435)$17,265 $(242,861)$103,319 
Assumed21 (97)(340)(43)
Ceded - quota share reinsurance7,360 3,598 19,775 (13,710)
Losses incurred, net$(105,054)$20,766 $(223,426)$89,566 
Other Reinsurance Impacts:
Profit commission on quota share reinsurance (1)
$47,255 $45,078 $135,049 $108,000 
Ceding commission on quota share reinsurance13,321 13,599 38,355 39,657 
(1)Ceded premiums earned net of profit commission.

Ceded losses incurred for the three and nine months ended September 30, 2022 primarily reflects favorable loss reserve development. See Note 11 - “Loss Reserves” for discussion of our loss reserves.
Quota share reinsurance
We have entered into quota share reinsurance ("QSR") transactions with panels of third-party reinsurers to cede a fixed quota share percentage of premiums earned and received and losses incurred on insurance covered by the transactions. We receive the benefit of a ceding commission equal to 20% of premiums ceded before profit commission. We also receive the benefit of a profit commission through a reduction of premiums we cede. The profit commission varies inversely with the level of losses on a “dollar for dollar” basis and can be eliminated at annual loss ratios higher than we have experienced on our QSR Transactions.

Each of our QSR Transactions typically have annual loss ratio caps of 300% and lifetime loss ratios of 200%.

Table 4.2 below provides additional detail regarding our QSR Transactions.

Quota Share Reinsurance
Table4.2
Quota Share ContractCovered Policy YearsQuota Share %
Annual Loss Ratio to Exhaust Profit Commission (1)
Contractual Termination Date
2015 QSRPrior to 201715.0 %68.0 %December 31, 2031
2019 QSR201930.0 %62.0 %December 31, 2030
2020 QSR 202012.5 %62.0 %December 31, 2031
2020 QSR and 2021 QSR202017.5 %62.0 %December 31, 2032
2020 QSR and 2021 QSR202117.5 %61.9 %December 31, 2032
2021 QSR and 2022 QSR202112.5 %57.5 %December 31, 2032
2021 QSR and 2022 QSR202215.0 %57.5 %December 31, 2033
2022 QSR and 2023 QSR202215.0 %62.0 %December 31, 2033
2022 QSR and 2023 QSR202315.0 %62.0 %December 31, 2034
Credit Union QSR (2)
2020-202565.0 %50.0 %December 31, 2039
(1) We will receive a profit commission provided the annual loss ratio on policies covered under the transaction remains below this ratio.
(2) Eligible credit union business written before April 1, 2020 was covered by our 2019 and 2015 QSR Transactions.
We can elect to terminate the QSR Transactions under specified scenarios without penalty upon prior written notice, including if we will receive less than 90% (80% for the Credit Union QSR Transaction) of the full credit amount under the PMIERs, full financial statement credit or full credit under applicable regulatory capital requirements for the risk ceded in any required calculation period.
Table 4.3 provides additional detail regarding optional termination dates and optional reductions to our quota share percentage which can, in each case, be elected by us for a fee. Under the optional reduction to the quota share percentage, we may reduce our quota share percentage from the original percentage shown in table 4.2 to the percentage shown in table 4.3.

Quota Share Reinsurance
Table4.3
Quota Share ContractCovered Policy Years
Optional Termination Date (1)
Optional Quota Share % Reduction Date (2)
Optional Reduced Quota Share %
2015 QSRPrior to 2017December 31, 2022NANA
2019 QSR2019December 31, 2022January 1, 202325% or 20%
2020 QSR 2020December 31, 2022January 1, 202310.5% or 8%
2020 QSR and 2021 QSR2020December 31, 2022January 1, 202314.5% or 12%
2020 QSR and 2021 QSR2021December 31, 2023January 1, 202314.5% or 12%
2021 QSR and 2022 QSR2021December 31, 2023January 1, 202310.5% or 8%
2021 QSR and 2022 QSR2022December 31, 2024July 1, 202312.5% or 10%
2022 QSR and 2023 QSR2022December 31, 2024July 1, 202312.5% or 10%
2022 QSR and 2023 QSR2023December 31, 2025July 1, 202412.5% or 10%
(1) We can elect early termination of the QSR Transaction beginning on this date, and bi-annually thereafter.
(2) We can elect to reduce the quota share percentage beginning on this date, and bi-annually thereafter.


We have elected to terminate our 2015 QSR and 2019 QSR Transactions effective December 31, 2022. See Note 9 “Reinsurance” in our Annual Report on Form 10-K for the year ended December 31, 2021 for information about the termination of our 2017 and 2018 QSR Transactions, which resulted in a reinsurance recoverable on paid losses of $36 million for loss and loss adjustment expenses (“LAE”) reserves incurred at the time of termination.
Under the terms of our QSR Transactions, ceded premiums earned, ceding commissions, profit commission, and ceded paid loss and LAE are settled net on a quarterly basis. The ceded premiums earned due after deducting the related ceding commission and profit commission is reported within Other liabilities on the consolidated balance sheets.

The reinsurance recoverable on loss reserves related to our QSR Transactions was $46.4 million as of September 30, 2022 and $66.9 million as of December 31, 2021. The reinsurance recoverable balance is secured by funds on deposit from reinsurers, the minimum amount of which is based on the greater of 1) a reinsurer's funding requirements under PMIERs or 2) ceded reserves and unpaid losses. Each of the reinsurers under our quota share reinsurance agreements described above has an insurer financial strength rating of A- or better (or a comparable rating) by Standard and Poor's Rating Services, A.M. Best, Moody's, or a combination of the three.

Excess of loss reinsurance
We have Excess-of-loss transactions (“XOL Transactions”) with a panel of unaffiliated reinsurers executed through the traditional reinsurance market (“Traditional XOL Transaction”) and with unaffiliated special purpose insurers (“Home Re Transactions”).

The Traditional XOL Transaction provides up to $175 million of reinsurance coverage on eligible NIW in 2022. The Traditional XOL Transaction has a contractual termination date after approximately ten years, with an optional termination date after seven years and quarterly thereafter. For the covered policies, we retain the first layer of the aggregate losses paid, and the reinsurers will then provide second layer coverage up to the outstanding reinsurance coverage amount. We retain losses paid in excess of the outstanding reinsurance coverage amount. The reinsurance coverage is subject to adjustment based on the risk characteristics of the covered loans. The reinsurance premiums ceded to the Traditional XOL Transaction are based off the remaining reinsurance coverage levels. The reinsured coverage levels are secured by funds on deposit from reinsurers, the minimum amount of which is based on the greater of 1) a reinsurer's funding requirements under PMIERs or 2) ceded reserves and unpaid losses.

The Home Re Transactions are executed with unaffiliated special purpose insurers (“Home Re Entities”). For the reinsurance coverage periods, we retain the first layer of the respective aggregate losses paid, and a Home Re Entity will then provide second layer coverage up to the outstanding reinsurance coverage amount. We retain losses paid in excess of the outstanding reinsurance coverage amount. Subject to certain conditions, the reinsurance coverage decreases over a period of either 10 or 12.5 years, depending on the transaction, as the underlying covered mortgages amortize or are repaid, or mortgage insurance losses are paid.
The Home Re Entities financed the coverages by issuing mortgage insurance-linked notes (“ILNs”) to unaffiliated investors in an aggregate amount equal to the initial reinsurance coverage amounts. Each ILN is non-recourse to any assets of MGIC or affiliates. The proceeds of the ILNs, which were deposited into reinsurance trusts for the benefit of MGIC, will be the source of reinsurance claim payments to MGIC and principal repayments on the ILNs.

When a “Trigger Event” is in effect, as defined in the related insurance-linked notes transaction agreements, payment of principal on the related notes will be suspended and the reinsurance coverage available to MGIC under the transactions will not be reduced by such principal payments. As of September 30, 2022 a "Trigger Event" has occurred on our Home Re 2019-1 ILN transaction because the reinsured principal balance of loans that were reported 60 or more days delinquent exceeded a percentage of the total reinsured principal balance of loans specified under each transaction. A "Trigger Event" has also occurred on the Home Re 2022-1 ILN transactions because the credit enhancement of the most senior tranche is less than the target credit enhancement.

Tables 4.4a and 4.4b provide a summary of our Home Re Transactions as of September 30, 2022 and December 31, 2021.

Excess of Loss Reinsurance - Home Re Transactions
4.4a
($ in thousands)Issue DatePolicy In force DatesOptional Call Date (1)Legal MaturityInitial First Layer RetentionInitial Excess of Loss Reinsurance Coverage
Home Re 2022-1, Ltd.April 26, 2022May 29, 2021 - December 31, 2021April 25, 202812.5 years$325,589$473,575
Home Re 2021-2, Ltd.August 3, 2021January 1, 2021 - May 28, 2021July 25, 202812.5 years190,159398,429
Home Re 2021-1, Ltd.February 2, 2021August 1, 2020 - December 31, 2020January 25, 202812.5 years211,159398,848
Home Re 2020-1, Ltd.October 29, 2020January 1, 2020 - July 31, 2020October 25, 202710 years275,283412,917
Home Re 2019-1, Ltd.May 25, 2019January 1, 2018 - March 31, 2019May 25, 202610 years185,730315,739
Home Re 2018-1, Ltd.October 30, 2018July 1, 2016 - December 31, 2017October 25, 202510 years168,691318,636
(1) We have the right to terminate the Home Re Transactions under certain circumstances and on any payment date on or after the respective Optional Call Date.
4.4bRemaining First Layer RetentionRemaining Excess of Loss Reinsurance Coverage
($ in thousands)
September 30, 2022
December 31, 2021
September 30, 2022
December 31, 2021
Home Re 2022-1, Ltd.$325,589 $— $473,575 $— 
Home Re 2021-2, Ltd.190,135 190,159 367,702 398,429 
Home Re 2021-1, Ltd.211,117 211,142 306,243 387,830 
Home Re 2020-1, Ltd.275,154 275,204 133,120 234,312 
Home Re 2019-1, Ltd.183,691 183,917 208,146 208,146 
Home Re 2018-1, Ltd.165,028 165,365 162,305 218,343 
The reinsurance premiums ceded to each Home Re Entity are composed of coverage, initial expense and supplemental premiums. The coverage premiums are generally calculated as the difference between the amount of interest payable by the Home Re Entity on the remaining reinsurance coverage levels, and the investment income collected on the collateral assets held in a reinsurance trust account and used to collateralize the Home Re Entity’s reinsurance obligation to MGIC. The amount of monthly reinsurance coverage premium ceded on the Home Re Transactions will fluctuate due to changes in the reference rate and changes in money market rates that affect investment income collected on the assets in the reinsurance trust. The Home Re 2021-2 and Home Re 2022-1 Transactions reference SOFR, while the remaining Home Re Transactions reference one-month LIBOR. As a result, we concluded that each Home Re Transaction contains an embedded derivative that is accounted for separately as a freestanding derivative. The fair values of the derivatives at September 30, 2022, were not material to our consolidated balance sheet and the changes in fair value during the three and nine months ended September 30, 2022 were not material to our consolidated statements of operations. (See Note 7 - “Investments” and Note 8 - “Fair Value Measurements”.)

At the time the Home Re Transactions were entered into, we concluded that each Home Re Entity is a variable interest entity (“VIE”). A VIE is a legal entity that does not have sufficient equity at risk to finance its activities without additional subordinated financial support or is structured such that equity investors lack the ability to make sufficient decisions relating to the entity’s operations through voting rights or do not substantively participate in gains and losses of the entity. Given that MGIC (1) does not have the unilateral power to direct the activities that most significantly affect each Home Re Entity’s economic performance and (2) does not have the obligation to absorb losses or the right to receive benefits of each Home Re Entity that could be significant to the Home Re Entity, consolidation of the Home Re Entities is not required.

We are required to disclose our maximum exposure to loss, which we consider to be an amount that we could be required to record in our statements of operations, as a result of our involvement with the VIEs under our Home Re Transactions. As of September 30, 2022, and December 31, 2021, we did not have material exposure to the VIEs as we have no investment in the VIEs and had no reinsurance claim payments due from the VIEs under our reinsurance transactions. We are unable to determine the timing or extent of claims from losses that are ceded under the reinsurance transactions. The VIE assets are deposited in reinsurance trusts for the benefit of MGIC that will be the source of reinsurance claim payments to MGIC. The purpose of the reinsurance trusts is to provide security to MGIC for the obligations of the VIEs under the reinsurance transactions. The trustee of the reinsurance trusts, a recognized provider of corporate trust services, has established segregated accounts within the reinsurance trusts for the benefit of MGIC, pursuant to the trust agreements. The trust agreements are governed by, and construed in accordance with, the laws of the State of New York. If the trustee of the reinsurance trusts failed to distribute claim payments to us as provided in the reinsurance trusts, we would incur a loss related to our losses ceded under the reinsurance transactions and deemed unrecoverable. We are also unable to determine the impact such possible failure by the trustee to perform pursuant to the reinsurance trust agreements may have on our consolidated financial statements. As a result, we are unable to quantify our maximum exposure to loss related to our
involvement with the VIEs. MGIC has certain termination rights under the reinsurance transactions should its claims not be paid. We consider our exposure to loss from our reinsurance transactions with the VIEs to be remote.

Table 4.5 presents the total assets of the Home Re Entities as of September 30, 2022 and December 31, 2021.
Home Re total assets
Table4.5
(In thousands)
Home Re EntityTotal VIE Assets
September 30, 2022
Home Re 2022-1 Ltd.$473,575 
Home Re 2021-2 Ltd.372,715 
Home Re 2021-1 Ltd.317,891 
Home Re 2020-1 Ltd.141,508 
Home Re 2019-1 Ltd.208,146 
Home Re 2018-1 Ltd.169,157 
December 31, 2021
Home Re 2021-2 Ltd.$398,429 
Home Re 2021-1 Ltd.398,848 
Home Re 2020-1 Ltd.251,387 
Home Re 2019-1 Ltd.208,146 
Home Re 2018-1 Ltd.218,343 

The reinsurance trust agreements provide that the trust assets may generally only be invested in certain money market funds that (i) invest at least 99.5% of their total assets in cash or direct U.S. federal government obligations, such as U.S. Treasury bills, as well as other short-term securities backed by the full faith and credit of the U.S. federal government or issued by an agency of the U.S. federal government, (ii) have a principal stability fund rating of “AAAm” by S&P or a money market fund rating of “Aaamf” by Moody’s as of the Closing Date and thereafter maintain any rating with either S&P or Moody’s, and (iii) are permitted investments under the applicable credit for reinsurance laws and applicable PMIERs credit for reinsurance requirements.

The total calculated PMIERs credit for risk ceded under our XOL Transactions are generally based on the PMIERs requirement of the covered policies and the attachment and detachment points of the coverage, all of which fluctuate over time. (See Note 1 - “Nature of Business and Basis of Presentation”.)
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Litigation and Contingencies
 9 Months Ended
Sep. 30, 2022
Commitments and Contingencies Disclosure [Abstract]  
Litigation and Contingencies Litigation and Contingencies
Before paying an insurance claim, generally we review the loan and servicing files to determine the appropriateness of the claim amount. When reviewing the files, we may determine that we have the right to rescind coverage or deny a claim on the loan (both referred to herein as “rescissions”). In addition, our insurance policies generally provide that we can reduce a claim if the servicer did not comply with its obligations under our insurance policy (such reduction referred to as a “curtailment”). When the insured disputes our right to rescind coverage or curtail claims, we generally engage in discussions in an attempt to settle the dispute. If we are unable to reach a settlement, the outcome of a dispute ultimately may be determined by legal proceedings. Under ASC 450-20, until a loss associated with settlement discussions or legal proceedings becomes probable and can be reasonably estimated, we consider our claim payment or rescission resolved for financial reporting purposes and do not accrue an estimated loss. When we determine that a loss is probable and can be reasonably estimated, we record our best estimate of our probable loss. In those cases, until settlement negotiations or legal proceedings are concluded (including the receipt of any necessary GSE approvals), it is possible that we will record an additional loss.

We have been named as a third-party defendant in a lawsuit that involves refunds of mortgage insurance premiums under the Homeowners Protection Act. We are monitoring litigation addressing similar issues in which we have not been named a defendant. We are unable to assess the potential impact of any such litigation at this time.

In addition, from time to time, we are involved in other disputes and legal proceedings in the ordinary course of business. In our opinion, based on the facts known at this time, the ultimate resolution of these ordinary course disputes and legal proceedings will not have a material adverse effect on our financial position or results of operations.
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Earnings per Share
 9 Months Ended
Sep. 30, 2022
Earnings Per Share [Abstract]  
Earnings per Share Earnings per Share
Basic earnings per share (“EPS”) is calculated by dividing net income by the weighted average number of shares of common stock outstanding. For purposes of calculating basic EPS, vested restricted stock and restricted stock units (“RSUs”) are considered outstanding. Diluted EPS includes the components of basic EPS and also gives effect to dilutive common stock equivalents. The determination of whether components are dilutive is calculated independently for each period. We calculate diluted EPS using the treasury stock method and if-converted method. Under the treasury stock method, diluted EPS reflects the potential dilution that could occur if unvested RSUs result in the issuance of common stock. Under the if-converted method, diluted EPS reflects the potential dilution that could occur if our 9% Debentures result in the issuance of common stock. The determination of potentially issuable shares does not consider the satisfaction of the conversion requirements and the shares are included in the determination of diluted EPS as of the beginning of the period, if dilutive.

Table 6.1 reconciles the numerators and denominators used to calculate basic and diluted EPS.
Earnings per share
Table
6.1
 Three Months Ended September 30,Nine Months Ended September 30,
(In thousands, except per share data)2022202120222021
Basic earnings per share:
Net income$249,625 $157,977 $673,906 $461,049 
Weighted average common shares outstanding - basic302,622 335,938 309,097 338,045 
Basic earnings per share$0.82 $0.47 $2.18 $1.36 
Diluted earnings per share:
Net income$249,625 $157,977 $673,906 $461,049 
Interest expense, net of tax (1):
9% Debentures620 3,712 2,851 11,135 
Diluted income available to common shareholders$250,245 $161,689 $676,757 $472,184 
Weighted average common shares outstanding - basic302,622 335,938 309,097 338,045 
Effect of dilutive securities:
Unvested RSUs1,902 1,834 1,848 1,651 
9% Debentures2,670 15,785 4,084 15,785 
Weighted average common shares outstanding - diluted307,194 353,557 315,029 355,481 
Diluted earnings per share$0.81 $0.46 $2.15 $1.33 
(1) Interest expense for the three and nine months ended September 30, 2022 and 2021, respectively, has been tax effected at a rate of 21%.
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Investments
 9 Months Ended
Sep. 30, 2022
Investments [Abstract]  
Investments Investments
Fixed income securities
Our fixed income securities classified as available-for-sale at September 30, 2022 and December 31, 2021 are shown in tables 7.1a and 7.1b below.
Details of fixed income securities by category as of September 30, 2022
Table7.1a
(In thousands)Amortized CostGross Unrealized GainsGross Unrealized (Losses)Fair Value
U.S. Treasury securities and obligations of U.S. government corporations and agencies$180,941 $25 $(10,294)$170,672 
Obligations of U.S. states and political subdivisions2,414,505 1,700 (265,167)2,151,038 
Corporate debt securities2,393,106 148 (227,409)2,165,845 
ABS134,309 5 (5,819)128,495 
RMBS230,997 15 (28,372)202,640 
CMBS266,711 14 (21,080)245,645 
CLOs337,827 — (12,329)325,498 
Foreign government debt4,486 — (914)3,572 
Commercial paper7,577 — — 7,577 
Total fixed income securities$5,970,459 $1,907 $(571,384)$5,400,982 
Details of fixed income securities by category as of December 31, 2021
Table7.1b
(In thousands)Amortized CostGross Unrealized GainsGross Unrealized (Losses)Fair Value
U.S. Treasury securities and obligations of U.S. government corporations and agencies$133,990 $285 $(868)$133,407 
Obligations of U.S. states and political subdivisions2,408,688 133,361 (7,396)2,534,653 
Corporate debt securities2,704,586 75,172 (13,776)2,765,982 
ABS150,888 830 (1,008)150,710 
RMBS309,991 2,397 (3,278)309,110 
CMBS315,330 5,736 (1,936)319,130 
CLOs360,436 609 (106)360,939 
Foreign government debt13,749 — (99)13,650 
Total fixed income securities$6,397,658 $218,390 $(28,467)$6,587,581 

We had $12.2 million and $13.4 million of investments at fair value on deposit with various states as of September 30, 2022 and December 31, 2021, respectively, due to regulatory requirements of those state insurance departments. In connection with our insurance and reinsurance activities within MAC and MIC, insurance subsidiaries of MGIC, we are required to maintain assets in trusts for the benefit of contractual counterparties, which had investments at fair value of $165.0 million and $189.8 million at September 30, 2022 and December 31, 2021, respectively.
The amortized cost and fair values of fixed income securities at September 30, 2022, by contractual maturity, are shown in table 7.2 below. Actual maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Because most ABS, RMBS, CMBS, and CLOs provide for periodic payments throughout their lives, they are listed in separate categories.
Fixed income securities maturity schedule
Table7.2
September 30, 2022
(In thousands)Amortized costFair Value
Due in one year or less$422,546 $416,536 
Due after one year through five years1,413,885 1,334,284 
Due after five years through ten years1,814,408 1,614,687 
Due after ten years1,349,776 1,133,197 
5,000,615 4,498,704 
ABS134,309 128,495 
RMBS230,997 202,640 
CMBS266,711 245,645 
CLOs337,827 325,498 
Total as of September 30, 2022$5,970,459 $5,400,982 

Equity securities
The cost and fair value of investments in equity securities at September 30, 2022 and December 31, 2021 are shown in tables 7.3a and 7.3b below.
Details of equity security investments as of September 30, 2022
Table7.3a
(In thousands)CostGross GainsGross LossesFair Value
Equity securities$16,006 $— $(2,121)$13,885 
Details of equity security investments as of December 31, 2021
Table7.3b
(In thousands)CostGross GainsGross LossesFair Value
Equity securities$15,838 $264 $(34)$16,068 

Net gains (losses) on investments and other financial instruments
The net gains (losses) on investments and other financial instruments and the proceeds from the sale of fixed income securities classified as available-for-sale are shown in table 7.4 below.
Details of net gains (losses) on investments and other financial instruments
Table7.4Three Months Ended September 30,Nine Months Ended September 30,
(in thousands)2022202120222021
Fixed income securities
Gains on sales1,667 1,389 6,788 6,680 
Losses on sales(7,040)(259)(12,790)(1,004)
Change in credit allowance— (1)— 48 
Impairments(1,415)— (1,415)— 
Equity securities gains (losses)(617)(108)(2,351)(308)
Change in embedded derivative on Home Re Transactions4,199 (397)983 376 
Other(52)(12)9 (19)
Net gains (losses) on investments and other financial instruments(3,258)612 (8,776)5,773 
Proceeds from sales of fixed income securities125,186 106,765 388,740 246,827 
Other invested assets
At December 31, 2021, the FHLB Advance amount was secured by $167.2 million of eligible collateral. As a result of the prepayment of the outstanding principal balance on the FHLB Advance we are no longer required to maintain collateral. Our other invested assets balance includes an investment in FHLB stock that is carried at cost, which due to its nature approximates fair value. Ownership of FHLB stock provides access to a secured lending facility.

Unrealized investment losses
Tables 7.5a and 7.5b below summarize, for all available-for-sale investments in an unrealized loss position at September 30, 2022 and December 31, 2021, the aggregate fair value and gross unrealized loss by the length of time those securities have been continuously in an unrealized loss position. The fair value amounts reported in tables 7.5a and 7.5b are estimated using the process described in Note 8 - “Fair Value Measurements” to these consolidated financial statements and in Note 3 - “Significant Accounting Policies” to the consolidated financial statements in our 2021 Annual Report on Form 10-K.
Unrealized loss aging for securities by type and length of time as of September 30, 2022
Table7.5a
Less Than 12 Months12 Months or GreaterTotal
(In thousands)Fair ValueUnrealized LossesFair ValueUnrealized LossesFair ValueUnrealized Losses
U.S. Treasury securities and obligations of U.S. government corporations and agencies$91,057 $(4,565)$52,868 $(5,729)$143,925 $(10,294)
Obligations of U.S. states and political subdivisions1,993,265 (229,380)122,240 (35,787)2,115,505 (265,167)
Corporate debt securities1,897,128 (164,708)307,124 (62,701)2,204,252 (227,409)
ABS96,910 (3,741)32,673 (2,078)129,583 (5,819)
RMBS124,775 (13,598)93,453 (14,774)218,228 (28,372)
CMBS183,053 (13,797)66,755 (7,283)249,808 (21,080)
CLOs266,139 (9,355)59,359 (2,974)325,498 (12,329)
Foreign government debt— — 3,572 (914)3,572 (914)
Total$4,652,327 $(439,144)$738,044 $(132,240)$5,390,371 $(571,384)
Unrealized loss aging for securities by type and length of time as of December 31, 2021
Table7.5b
Less Than 12 Months12 Months or GreaterTotal
(In thousands)Fair Value
Unrealized
 Losses
Fair Value
Unrealized
Losses
Fair Value
Unrealized
 Losses
U.S. Treasury securities and obligations of U.S. government corporations and agencies$91,154 $(790)$2,616 $(78)$93,770 $(868)
Obligations of U.S. states and political subdivisions452,021 (7,189)15,540 (207)467,561 (7,396)
Corporate debt securities865,085 (13,260)10,997 (516)876,082 (13,776)
ABS100,064 (998)1,552 (10)101,616 (1,008)
RMBS180,586 (2,548)31,641 (730)212,227 (3,278)
CMBS89,889 (1,887)1,511 (49)91,400 (1,936)
CLOs177,663 (71)21,973 (35)199,636 (106)
Foreign government debt13,649 (99)— — 13,649 (99)
Total$1,970,111 $(26,842)$85,830 $(1,625)$2,055,941 $(28,467)

Based on current facts and circumstances, we believe the unrealized losses as of September 30, 2022 presented in table 7.5a above are not indicative of the ultimate collectability of the current amortized cost of the securities. The unrealized losses in all categories of our investments at September 30, 2022 were primarily caused by an increase in prevailing interest rates. We also rely upon estimates of several credit and non-credit factors in our review and evaluation of individual investments to determine whether a credit impairment exists. All of the securities in an unrealized loss position are current with respect to their interest obligations.
There were 1,346 and 610 securities in an unrealized loss position at September 30, 2022 and December 31, 2021, respectively.
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Fair Value Measurements
 9 Months Ended
Sep. 30, 2022
Fair Value Disclosures [Abstract]  
Fair Value Measurements Fair Value Measurements
Recurring fair value measurements
The following describes the valuation methodologies generally used by the independent pricing sources, or by us, to measure financial instruments at fair value, including the general classification of such financial instruments pursuant to the valuation hierarchy.

•Fixed income securities:
U.S. Treasury Securities and Obligations of U.S. Government Corporations and Agencies: Securities with valuations derived from quoted prices for identical instruments in active markets that we can access are categorized in Level 1 of the fair value hierarchy. Securities valued by surveying the dealer community, obtaining relevant trade data, benchmark quotes and spreads and incorporating this information in the valuation process are categorized as Level 2 of the fair value hierarchy.
Corporate Debt Bonds are valued by surveying the dealer community, obtaining relevant trade data, benchmark quotes and spreads and incorporating this information into the valuation process. These securities are generally categorized in Level 2 of the fair value hierarchy.
Obligations of U.S. States & Political Subdivisions are valued by tracking, capturing, and analyzing quotes for active issues and trades reported via the Municipal Securities Rulemaking Board records. Daily briefings and reviews of current economic conditions, trading levels, spread relationships, and the slope of the yield curve provide further data for evaluation. These securities are generally categorized in Level 2 of the fair value hierarchy.
Residential Mortgage-Backed Securities ("RMBS") are valued by monitoring interest rate movements, and other pertinent data daily. Incoming market data is enriched to derive spread, yield and/or price data as appropriate, enabling known data points to be extrapolated for valuation application across a range of related securities. These securities are generally categorized in Level 2 of the fair value hierarchy.
Commercial Mortgage-Backed Securities ("CMBS") are valued using techniques that reflect market participants’ assumptions and maximize the use of relevant observable inputs including quoted prices for similar assets, benchmark yield curves and market corroborated inputs. Evaluation uses regular reviews of the inputs for securities covered, including executed trades, broker quotes, credit information, collateral attributes and/or cash flow waterfall as applicable. These securities are generally categorized in Level 2 of the fair value hierarchy.
Asset-Backed Securities ("ABS") are valued using spreads and other information solicited from market buy-and-sell-side sources, including primary and secondary dealers, portfolio managers, and research analysts. Cash flows are generated for each tranche, benchmark yields are determined, and deal collateral performance and tranche level attributes including trade activity, bids, and offers are applied, resulting in tranche specific prices. These securities are generally categorized in Level 2 of the fair value hierarchy.
Collateralized loan obligations ("CLOs") are valued by evaluating manager rating, seniority in the capital structure, assumptions about prepayment, default and recovery and their impact on cash flow generation. Loan level net asset values are determined and aggregated for tranches and as a final step prices are checked against available recent trade activity. These securities are generally categorized in Level 2 of the fair value hierarchy.
Foreign government debt is valued by surveying the dealer community, obtaining relevant trade data, benchmark quotes and spreads and incorporating this information into the valuation process. These securities are generally categorized in Level 2 of the fair value hierarchy.
Commercial Paper, which has an original maturity greater than 90 days, is valued using market data for comparable instruments of similar maturity and average yields. These securities are generally categorized in Level 2 of the fair value hierarchy.
•Equity securities: Consist of actively traded, exchange-listed equity securities, including exchange traded funds (“ETFs”) and Bond Mutual Funds, with valuations derived from quoted prices for identical assets in active markets that we can access. These securities are valued in Level 1 of the fair value hierarchy.
•Cash Equivalents: Consists of money market funds and treasury bills with valuations derived from quoted prices for identical assets in active markets that we can access. These securities are valued in level 1 of the fair value hierarchy. Instruments in this category valued using market data for comparable instruments are classified as level 2 in the fair value hierarchy.
Assets measured at fair value, by hierarchy level, as of September 30, 2022 and December 31, 2021 are shown in tables 8.1a and 8.1b below. The fair value of the assets is estimated using the process described above, and more fully in Note 3 - “Significant Accounting Policies” to the consolidated financial statements in our 2021 Annual Report on Form 10-K.
Assets carried at fair value by hierarchy level as of September 30, 2022
Table8.1a
(In thousands)Total Fair Value
Quoted Prices in Active Markets for Identical Assets
(Level 1)
Significant Other Observable Inputs
(Level 2)
U.S. Treasury securities and obligations of U.S. government corporations and agencies$170,672 $151,741 $18,931 
Obligations of U.S. states and political subdivisions2,151,038 — 2,151,038 
Corporate debt securities2,165,845 — 2,165,845 
ABS128,495 — 128,495 
RMBS202,640 — 202,640 
CMBS245,645 — 245,645 
CLOs325,498 — 325,498 
Foreign government debt3,572 — 3,572 
Commercial paper7,577 — 7,577 
Total fixed income securities5,400,982 151,741 5,249,241 
Equity securities13,885 13,885 — 
Cash equivalents236,940 198,397 38,543 
Total$5,651,807 $364,023 $5,287,784 
Assets carried at fair value by hierarchy level as of December 31, 2021
Table8.1b
(In thousands)Total Fair Value
Quoted Prices in Active Markets for Identical Assets
(Level 1)
Significant Other Observable Inputs
(Level 2)
U.S. Treasury securities and obligations of U.S. government corporations and agencies$133,407 $102,153 $31,254 
Obligations of U.S. states and political subdivisions2,534,653 — 2,534,653 
Corporate debt securities2,765,982 — 2,765,982 
ABS150,710 — 150,710 
RMBS309,110 — 309,110 
CMBS319,130 — 319,130 
CLOs360,939 — 360,939 
Foreign government debt13,650 — 13,650 
Total fixed income securities6,587,581 102,153 6,485,428 
Equity securities16,068 16,068 — 
Cash equivalents254,230 254,230 — 
Total$6,857,879 $372,451 $6,485,428 

Certain financial instruments, including insurance contracts, are excluded from these fair value disclosure requirements. The carrying values of cash and cash equivalents (Level 1) and accrued investment income (Level 2) approximated their fair values. Additional fair value disclosures related to our investment portfolio are included in Note 7 – “Investments.”

In addition to the assets carried at fair value discussed above, we have embedded derivatives carried at fair value related to our Home Re Transactions that are classified as Other liabilities or Other assets in our consolidated balance sheets. The estimated fair value related to our embedded derivatives reflects the present value impact of the variation in investment income on the assets held by the reinsurance trusts and the contractual reference rate on the Home Re Transactions used to calculate the reinsurance premiums we will pay. These liabilities or assets are categorized in Level 3 of the fair value hierarchy. At September 30, 2022 and December 31, 2021, the fair value of the embedded derivatives was a liability of $0.8 million and $1.8 million, respectively. (See Note 4 - "Reinsurance" for more information about our reinsurance programs.)
Real estate acquired through claim settlement is carried at fair values and is reported in “Other assets” on the consolidated balance sheet. These assets are categorized as Level 3 of the fair value hierarchy.

Activity related to the Level 3 assets and liabilities (including realized and unrealized gains and losses, purchases and sales) were immaterial for the three and nine months ended September 30, 2022 and 2021.

Financial assets and liabilities not measured at fair value
Other invested assets include an investment in FHLB stock that is carried at cost, which due to restrictions that require it to be redeemed or sold only to the security issuer at par value, approximates fair value. The fair value of other invested assets is categorized as Level 2.
Financial liabilities include our outstanding debt obligations. The fair values of our 5.75% and 5.25% Notes and 9% Debentures were based on observable market prices. In all cases the fair values of the financial liabilities below are categorized as Level 2.
Table 8.2 presents the carrying value and fair value of our financial assets and liabilities disclosed, but not carried, at fair value at September 30, 2022 and December 31, 2021.
Financial assets and liabilities not measured at fair value
Table8.2
September 30, 2022December 31, 2021
(In thousands)Carrying ValueFair ValueCarrying ValueFair Value
Financial assets
Other invested assets$850 $850 $3,100 $3,100 
Financial liabilities
FHLB Advance— — 155,000 157,585 
5.75% Senior Notes— — 241,255 256,213 
5.25% Senior Notes641,357 580,931 640,253 686,875 
9% Convertible Junior Subordinated Debentures21,296 28,475 110,204 151,000 
Total financial liabilities$662,653 $609,406 $1,146,712 $1,251,673 
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Other Comprehensive Income
 9 Months Ended
Sep. 30, 2022
Comprehensive Income (Loss), Net of Tax, Attributable to Parent [Abstract]  
Other Comprehensive Income Other Comprehensive Income
The pretax and related income tax benefit (expense) components of our other comprehensive income (loss) for the three and nine months ended September 30, 2022 and 2021 are included in table 9.1 below.
Components of other comprehensive income (loss)
Table
9.1
Three Months Ended September 30,Nine Months Ended September 30,
(In thousands)2022202120222021
Net unrealized investment (losses) gains arising during the period$(194,449)$(34,937)$(759,409)$(97,057)
Total income tax benefit (expense)40,834 7,337 159,476 20,382 
Net of taxes(153,615)(27,600)(599,933)(76,675)
Net changes in benefit plan assets and obligations(20,471)7,548 (19,353)9,492 
Total income tax benefit (expense)4,299 (1,585)4,064 (1,993)
Net of taxes(16,172)5,963 (15,289)7,499 
Total other comprehensive income (loss)(214,920)(27,389)(778,762)(87,565)
Total income tax benefit (expense)45,133 5,752 163,540 18,389 
Total other comprehensive income (loss), net of tax$(169,787)$(21,637)$(615,222)$(69,176)

The pretax and related income tax benefit (expense) components of the amounts reclassified from our accumulated other comprehensive income (loss) (“AOCI”) to our consolidated statements of operations for the three and nine months ended September 30, 2022 and 2021 are included in table 9.2 below.
Reclassifications from AOCI
Table
9.2
Three Months Ended September 30,Nine Months Ended September 30,
(In thousands)2022202120222021
Reclassification adjustment for net realized (losses) gains(1)
$(6,681)$1,045 $(4,273)$7,462 
Income tax benefit (expense)1,403 (219)897 (1,566)
Net of taxes(5,278)826 (3,376)5,896 
Reclassification adjustment related to benefit plan assets and obligations (2)
(6,228)(971)(7,346)(2,915)
Income tax benefit (expense)1,308 204 1,543 612 
Net of taxes(4,920)(767)(5,803)(2,303)
Total reclassifications(12,909)74 (11,619)4,547 
Income tax benefit (expense)2,711 (15)2,440 (954)
Total reclassifications, net of tax$(10,198)$59 $(9,179)$3,593 
(1)Increases (decreases) Net realized investment gains (losses) on the consolidated statements of operations.
(2)Decreases (increases) Other underwriting and operating expenses, net on the consolidated statements of operations.

A rollforward of AOCI for the nine months ended September 30, 2022, including amounts reclassified from AOCI, are included in table 9.3 below.
Rollforward of AOCI
Table
9.3
Nine Months Ended September 30, 2022
(In thousands)Net unrealized gains and (losses) on available-for-sale securitiesNet benefit plan assets and (obligations) recognized in shareholders' equityTotal accumulated other comprehensive income (loss)
Balance at December 31, 2021, net of tax$150,038 $(30,341)$119,697 
Other comprehensive income (loss) before reclassifications(603,309)(21,092)(624,401)
Less: Amounts reclassified from AOCI(3,376)(5,803)(9,179)
Balance, September 30, 2022, net of tax$(449,895)$(45,630)$(495,525)
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Benefit Plans
 9 Months Ended
Sep. 30, 2022
Retirement Benefits [Abstract]  
Benefit Plans Benefit Plans
Tables 10.1 and 10.2 provide the components of net periodic benefit cost for our pension, supplemental executive retirement and other postretirement benefit plans for the three and nine months ended September 30, 2022 and 2021.

Components of net periodic benefit cost
Table
10.1
Three Months Ended September 30,
Pension and Supplemental Executive Retirement PlansOther Postretirement Benefit Plans
(In thousands)2022202120222021
Service cost$1,813 $1,908 $327 $377 
Interest cost2,863 2,794 173 163 
Expected return on plan assets(4,907)(5,229)(2,625)(2,216)
Amortization of net actuarial losses (gains)1,266 1,403 (776)(425)
Amortization of prior service cost (credit)(57)(60)123 53 
Settlements and curtailments5,671 4,732 — — 
Net periodic benefit cost (benefit)$6,649 $5,548 $(2,778)$(2,048)
Components of net periodic benefit cost
Table10.2
Nine Months Ended September 30,
Pension and Supplemental Executive Retirement PlansOther Postretirement Benefit Plans
(In thousands)2022202120222021
Service cost$5,439 $5,724 $981 $1,131 
Interest cost8,588 8,383 521 487 
Expected return on plan assets(14,723)(15,687)(7,876)(6,647)
Amortization of net actuarial losses (gains)3,798 4,208 (2,328)(1,273)
Amortization of prior service cost (credit)(163)(179)367 159 
Settlements and curtailments5,671 4,732 — — 
Net periodic benefit cost (benefit)$8,610 $7,181 $(8,335)$(6,143)

Contributions of $6.3 million have been made to our qualified pension plan in 2022.
Beginning January 1, 2023, participants in the defined benefit pension plan and supplemental executive retirement plan will not accrue any future benefits due to pay and/or service. As a result of freezing plan benefits and lump sum settlements paid through September 2022, we recorded a pension settlement accounting charge, net of curtailments, of $5.7 million in the third quarter of 2022. The net curtailment credit relates to the recognition of prior service costs (credits) previously recognized in accumulated other comprehensive income. We recorded a pension settlement accounting charge of $4.7 million in the third quarter of 2021.
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Loss Reserves
 9 Months Ended
Sep. 30, 2022
Insurance Loss Reserves [Abstract]  
Loss Reserves Loss Reserves
We establish case reserves and LAE reserves on delinquent loans that were reported to us as two or more payments past due and have not become current or resulted in a claim payment. Such loans are referred to as being in our delinquency inventory. Case reserves are established by estimating the number of loans in our delinquency inventory that will result in a claim payment, which is referred to as the claim rate, and further estimating the amount of the claim payment, which is referred to as claim severity.

IBNR reserves are established for estimated losses from delinquencies we estimate have occurred prior to the close of an accounting period, but have not yet been reported to us. IBNR reserves are also established using estimated claim rates and claim severities.

Estimation of losses is inherently judgmental. The conditions that affect the claim rate and claim severity include the current and future state of the domestic economy, including unemployment and the current and future strength of local housing markets; exposure on insured loans; the amount of time between delinquency and claim filing (all else being equal, the longer the period between delinquency and claim filing, the greater the severity); and curtailments and rescissions. The actual amount of the claim payments may be substantially different than our loss reserve estimates. Our estimates could be adversely affected by several factors, including a deterioration of regional or national economic conditions, including unemployment, leading to a reduction in borrowers’ income and thus their ability to make mortgage payments, the impact of past and future government initiatives and actions taken by the GSEs (including mortgage forbearance programs and foreclosure moratoriums), and a drop in housing values which may affect borrower willingness to continue to make mortgage payments when the value of the home is below the mortgage balance. Loss reserves in future periods will also be dependent on the number of loans reported to us as delinquent.

Changes to our estimates could result in a material impact to our consolidated results of operations and financial position, even in a stable economic environment. Given the uncertainty of the macroeconomic environment, including the effectiveness of loss mitigation efforts, change in home prices, and changes in unemployment, our loss reserve estimates may continue to be impacted.

In considering the potential sensitivity of the factors underlying our estimate of loss reserves, it is possible that even a relatively small change in our estimated claim rate or claim severity could have a material impact on loss reserves and, correspondingly, on our consolidated results of operations even in a stable economic environment. For example, as of September 30, 2022, assuming all other factors remain constant, a $1,000 increase/decrease in the average severity reserve factor would change the loss reserve amount by approximately +/- $11 million. A one percentage point increase/decrease in the average claim rate reserve factor would change the loss reserve amount by approximately +/- $15 million.

The “Losses incurred” section of table 11.1 below shows losses incurred on delinquencies that occurred in the current year and in prior years. The amount of losses incurred relating to delinquencies that occurred in the current year represents the
estimated amount to be ultimately paid on such delinquencies. The amount of losses incurred relating to delinquencies that occurred in prior years represents the difference between the actual claim rate and claim severity associated with those delinquencies resolved in the current year compared to the estimated claim rate and claim severity at the prior year-end, as well as a re-estimation of amounts to be ultimately paid on delinquencies continuing from the end of the prior year. This re-estimation of the claim rate and claim severity is the result of our review of current trends in the delinquency inventory, such as percentages of delinquencies that have resulted in a claim, the amount of the claims relative to the average loan exposure, changes in the relative level of delinquencies by geography and changes in average loan exposure.

Losses incurred on delinquencies that occurred in the current year increased for the nine months ended September 30, 2022, compared to the same period last year. The increase is primarily due to a decrease in IBNR reserve estimates by $5.9 million in the nine months ended September 30, 2021, while IBNR reserve estimates remained flat for the nine months ended September 30, 2022.

For the nine months ended September 30, 2022 we experienced favorable loss development of $327.5 million on previously received notices primarily related to a decrease in the estimated claim rate. The favorable development primarily resulted from greater than expected cure rates on delinquencies received during and prior to the COVID-19 pandemic, as forbearance plans and loss mitigation efforts have resulted in more cures than originally estimated. For the nine months ended September 30, 2021 we experienced favorable loss development of $6.0 million on previously received notices primarily due to the decrease in the claim rate on delinquencies received prior to the COVID-19 pandemic. This was offset by the recognition of a probable loss of $6.3 million related to litigation of our claims paying practices and adverse development on LAE reserves and reinsurance.



The “Losses paid” section of table 11.1 below shows the amount of losses paid on delinquencies that occurred in the current year and losses paid on delinquencies that occurred in prior years. The foreclosure moratoriums and forbearance plans in place have increased the average time it takes to receive a claim,.

Table 11.1 provides a reconciliation of beginning and ending loss reserves as of and for the nine months ended September 30, 2022 and 2021.
Development of reserves for losses and loss adjustment expenses
Table
11.1
Nine Months Ended September 30,
(In thousands)20222021
Reserve at beginning of period$883,522 $880,537 
Less reinsurance recoverable66,905 95,042 
Net reserve at beginning of period816,617 785,495 
Losses incurred:
Losses and LAE incurred in respect of delinquency notices received in:
Current year104,086 95,534 
Prior years (1)
(327,512)(5,968)
Total losses incurred(223,426)89,566 
Losses paid:
Losses and LAE paid in respect of delinquency notices received in:
Current year116 339 
Prior years36,089 48,842 
Total losses paid36,205 49,181 
Net reserve at end of period556,986 825,880 
Plus reinsurance recoverable46,384 107,029 
Reserve at end of period$603,370 $932,909 
(1)A positive number for prior year loss reserve development indicates a deficiency of prior year reserves. A negative number for prior year loss reserve development indicates a redundancy of prior year loss reserves. See the following table for more information about prior year loss reserve development.

The prior year loss reserve development for the nine months of September 30, 2022 and 2021 is reflected in table 11.2 below.
Reserve development on previously received delinquencies
Table
11.2
Nine Months Ended September 30,
(In thousands)20222021
Increase (decrease) in estimated claim rate on primary defaults$(324,556)$(18,147)
Increase (decrease) in estimated severity on primary defaults(18,682)(105)
Change in estimates related to pool reserves, LAE reserves, reinsurance, and other15,726 12,284 
Total prior year loss development (1)
$(327,512)$(5,968)
(1)A positive number for prior year loss reserve development indicates a deficiency of prior year loss reserves. A negative number for prior year loss reserve development indicates a redundancy of prior year loss reserves.
Delinquency inventory
A rollforward of our primary delinquency inventory for the three and nine months ended September 30, 2022 and 2021 appears in table 11.3 below. The information concerning new notices and cures is compiled from monthly reports received from loan servicers. The level of new notice and cure activity reported in a particular month can be influenced by, among other things, the date on which a servicer generates its report, the number of business days in a month and transfers of servicing between loan servicers.
Delinquency inventory rollforward
Table
11.3
Three Months Ended September 30,Nine Months Ended September 30,
2022202120222021
Delinquency inventory at beginning of period26,855 42,999 33,290 57,710 
New notices10,990 9,862 31,089 31,909 
Cures(11,494)(14,813)(37,371)(50,901)
Paid claims(337)(298)(978)(956)
Rescissions and denials(11)(11)(27)(23)
Other items removed from inventory(125)(360)(125)(360)
Delinquency inventory at end of period25,87837,37925,87837,379

During the three and nine months ended September 30, 2022 and 2021, our losses paid included amounts paid upon commutation of coverage of pools of non-performing loans (“NPLs”). As a result of these payments, 125 and 360 delinquencies, were removed from delinquency inventory with an amount paid of $1.6 million and $6.7 million for 2022 and 2021, respectively.

Table 11.4 below shows the number of consecutive months a borrower is delinquent. Historically as a delinquency ages it is more likely to result in a claim.
Primary delinquency inventory - consecutive months delinquent
Table
11.4
September 30, 2022December 31, 2021September 30, 2021
3 months or less7,825 7,586 6,948 
4-11 months7,619 7,990 9,371 
12 months or more (1)
10,434 17,714 21,060 
Total 25,878 33,290 37,379 
3 months or less30 %23 %19 %
4-11 months30 %24 %25 %
12 months or more40 %53 %56 %
Total100 %100 %100 %
Primary claims received inventory included in ending delinquent inventory244 211 154 
(1)Approximately 33%, 20%, and 17% of the primary delinquency inventory delinquent for 12 consecutive months or more has been delinquent for at least 36 consecutive months as of September 30, 2022, December 31, 2021, and September 30, 2021, respectively.

COVID-19 Pandemic Delinquencies
We experienced an increase in new delinquency notices in the second and third quarters of 2020 because of the impacts of the COVID-19 pandemic, including the high level of unemployment and economic uncertainty resulting from measures to reduce the transmission of COVID-19. Forbearance programs enacted by the GSEs provided for payment forbearance on mortgages to borrowers experiencing a hardship during the COVID-19 pandemic. Historically, forbearance plans have reduced the incidence of our losses on affected loans. Through September 30, 2022 the vast majority of the delinquencies received in the second and third quarter of 2020 have cured.

Premium refunds
Our estimate of premiums to be refunded on expected claim payments is accrued for separately in “Other Liabilities” on our consolidated balance sheets and approximated $28.1 million and $37.3 million at September 30, 2022 and December 31, 2021, respectively. The decrease is primarily due to a decrease in the delinquency inventory.
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Shareholders' Equity
 9 Months Ended
Sep. 30, 2022
Stockholders' Equity Note [Abstract]  
Shareholders' Equity Shareholders’ Equity
Change in Accounting Policy
As of January 1, 2021, we adopted the updated guidance for "Accounting for Convertible Instruments and Contracts in an Entity’s Own Equity”. The application of this guidance resulted in a $68.3 million cumulative effect adjustment to our 2021 beginning retained earnings and paid in capital to reflect the 9% Debentures as if we had always accounted for the debt as a liability in its entirety.

Share repurchase programs
Repurchases of our common stock may be made from time to time on the open market (including through 10b5-1 plans) or through privately negotiated transactions. In the first nine months of 2022, we repurchased 21.7 million shares at an average cost of $14.10 per share, which included commissions. In 2021, we repurchased approximately 19.0 million shares of our common stock, at an average cost of $15.30 per share, which included commissions. At September 30, 2022 we had $194 million remaining under a share repurchase program approved by our Board of Directors in 2021 that expires at year end 2023. In October 2022, we repurchased an additional 2.6 million shares totaling $33.2 million under the remaining authorization.

Cash dividends
In March and May 2022, we paid quarterly cash dividends of $0.08 per share which totaled $51.0 million and in August 2022 we paid quarterly cash dividends of $0.10 per share to shareholders which totaled $30.5 million On October 27, 2022, the Board of Directors declared a quarterly cash dividend to holders of the company’s common stock of $0.10 per share to shareholders of record on November 10, 2022, payable on November 23, 2022.
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Share-Based Compensation
 9 Months Ended
Sep. 30, 2022
Share-Based Payment Arrangement [Abstract]  
Share-Based Compensation Share-Based Compensation
We have certain share-based compensation plans. Under the fair value method, compensation cost is measured at the grant date based on the fair value of the award and is recognized over the service period which generally corresponds to the vesting period. Awards under our plans generally vest over periods ranging from one to three years, although awards to our non-employee directors vest immediately.

Table 13.1 shows the number of restricted stock units (RSUs) granted to employees and non-employee directors and the weighted average fair value per share during the periods presented (shares in thousands).
Restricted stock unit grants
Table
13.1
Nine months ended September 30,
20222021
RSUs
Granted
(in thousands)
Weighted Average Share Fair Value
RSUs
Granted
(in thousands)
Weighted Average Share Fair Value
RSUs subject to performance conditions(1)848 $15.46 966 $12.82 
RSUs subject only to service conditions319 15.45 398 12.82 
Non-employee director RSUs104 15.32 — — 
(1)Shares granted are subject to performance conditions under which the target number of shares granted may vest up to 200%.
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Statutory Information
 3 Months Ended
Sep. 30, 2022
Statutory Capital [Abstract]  
Insurance Disclosure Statutory Information
Statutory Capital Requirements
The insurance laws of 16 jurisdictions, including Wisconsin, our domiciliary state, require a mortgage insurer to maintain a minimum amount of statutory capital relative to the RIF (or a similar measure) in order for the mortgage insurer to continue to write new business. We refer to these requirements as the “State Capital Requirements” and, together with the GSE Financial Requirements, as the “Financial Requirements.” While they vary among jurisdictions, the most common State Capital Requirements allow for a maximum risk-to-capital ratio of 25 to 1. A risk-to-capital ratio will increase if (i) the percentage decrease in capital exceeds the percentage decrease in insured risk, or (ii) the percentage increase in capital is less than the percentage increase in insured risk. Wisconsin does not regulate capital by using a risk-to-capital measure but instead requires a minimum policyholder position (“MPP”). MGIC’s “policyholder position” includes its net worth or surplus, and its contingency loss reserve.

At September 30, 2022, MGIC’s risk-to-capital ratio was 9.4 to 1, below the maximum allowed by the jurisdictions with State Capital Requirements, and its policyholder position was $3.7 billion above the required MPP of $2.0 billion. The calculation of our risk-to-capital ratio and MPP reflect credit for the risk ceded under our reinsurance transactions. If MGIC is not allowed an agreed level of credit under either the State Capital Requirements or the financial requirements of the PMIERs, MGIC may terminate the reinsurance agreements, without penalty.

Dividend restrictions
In the nine months ended September 30, 2022, MGIC paid a $400 million dividend to our holding company. In November, 2022, MGIC paid a $400 million dividend to our holding company.

MGIC is subject to statutory regulations as to payment of dividends. The maximum amount of dividends that MGIC may pay in any twelve-month period without regulatory approval by the OCI is the lesser of adjusted statutory net income or 10% of statutory ‘policyholders’ surplus as of the preceding calendar year end. Adjusted statutory net income is defined for this purpose to be the greater of statutory net income, net of realized investment gains, for the calendar year preceding the date of the dividend or statutory net income, net of realized investment gains, for the three calendar years preceding the date of the dividend less dividends paid within the first two of the preceding three calendar years. The maximum dividend that could be paid is reduced by dividends paid in the twelve months preceding the dividend payment date. Before making any dividend payments, we will notify the OCI to ensure it does not object.

The OCI recognizes only statutory accounting principles prescribed, or practices permitted by the State of Wisconsin for determining and reporting the financial condition and results of operations of an insurance company. The OCI has adopted certain prescribed accounting practices that differ from those found in other states. Specifically, Wisconsin domiciled companies record changes in the contingency loss reserves through their income statement as a change in underwriting deduction. As a result, in periods in which MGIC is increasing contingency loss reserves, statutory net income is reduced.
Statutory Financial Information
The statutory net income, policyholders’ surplus, and contingency reserve liability of our insurance subsidiaries, including MGIC, are shown in table 14.1.

Financial information of our insurance subsidiaries (including MGIC)
Table 14.1
As of and for the Nine Months Ended September 30,
(In thousands)20222021
Statutory net income$284,084 $194,614 
Statutory policyholders' surplus1,231,992 1,354,268 
Contingency reserve4,533,371 3,987,786 
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Nature of Business and Basis of Presentations (Policies)
 9 Months Ended
Sep. 30, 2022
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Reclassifications
Reclassifications
Certain prior period amounts have been reclassified to conform to the current year presentation.
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Significant Accounting Policies (Policies)
 9 Months Ended
Sep. 30, 2022
Accounting Standards Update and Change in Accounting Principle [Abstract]  
Prospective Accounting Standards
Prospective Accounting Standards
Table 2.1 shows the relevant new amendments to accounting standards, which are not yet effective or adopted.
Standard / Interpretation
Table
2.1
Amended StandardsEffective date
ASC 944Long-Duration Contracts
•ASU 2018-12 - Financial Services - Insurance (Topic 944): Targeted Improvements to the Accounting for Long-Duration ContractsJanuary 1, 2023
Targeted Improvements for Long Duration Contracts: ASU 2018-12
In August 2018, the Financial Accounting Standards Board (“FASB”) issued guidance which simplifies the amortization of deferred insurance policy acquisition costs. It also provides updates to the recognition, measurement, presentation and disclosure requirements for long duration contracts, which generally do not apply to mortgage insurance. The updated guidance requires deferred acquisition costs to be amortized on a constant level basis over the expected term of the related contracts, versus in proportion to premium, gross profits, or gross margins. In November 2020, FASB issued ASU 2020-11 deferring the effective date, so that it applies for annual periods beginning after December 15, 2022, including interim periods within those annual periods. We are currently evaluating the impacts the adoption of this guidance will have on our consolidated financial statements, but do not expect it to have a material impact.
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Significant Accounting Policies Significant Accounting Policies (Tables)
 9 Months Ended
Sep. 30, 2022
Accounting Standards Update and Change in Accounting Principle [Abstract]  
Accounting Standards Update and Change in Accounting Principle
Table 2.1 shows the relevant new amendments to accounting standards, which are not yet effective or adopted.
Standard / Interpretation
Table
2.1
Amended StandardsEffective date
ASC 944Long-Duration Contracts
•ASU 2018-12 - Financial Services - Insurance (Topic 944): Targeted Improvements to the Accounting for Long-Duration ContractsJanuary 1, 2023
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Debt (Tables)
 9 Months Ended
Sep. 30, 2022
Debt Disclosure [Abstract]  
Long-term debt
The aggregate carrying values of our long-term debt obligations and their par values, if different, as of September 30, 2022 and December 31, 2021 are presented in table 3.1 below.
Long-term debt obligations
Table
3.1
(In millions)September 30, 2022December 31, 2021
FHLB Advance - 1.91%, due February 2023$— $155.0 
5.75% Notes, due August 2023— 241.3 
5.25% Notes, due August 2028 (par value: $650 million)641.4 640.2 
9% Debentures, due April 2063 (1)
21.3 110.2 
Long-term debt, carrying value$662.7 $1,146.7 
(1)Convertible at any time prior to maturity at the holder’s option, at a conversion rate, which is subject to adjustment, of 76.5496 shares per $1,000 principal amount, representing a conversion price of approximately $13.06 per share. The payment of dividends by our holding company results in adjustments to the conversion rate, with such adjustments generally deferred until the end of the year.
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Reinsurance (Tables)
 9 Months Ended
Sep. 30, 2022
Reinsurance Disclosures [Abstract]  
Effect of reinsurance transactions The effect of all of our reinsurance agreements on premiums earned and losses incurred is shown in table 4.1 below.
Reinsurance
Table
4.1
 Three Months Ended September 30,Nine Months Ended September 30,
(In thousands)2022202120222021
Premiums earned:
Direct$289,072 $287,223 $864,191 $876,541 
Assumed 2,254 2,660 6,501 7,551 
Ceded - quota share reinsurance (1)
(19,348)(22,911)(56,721)(90,284)
Ceded - excess-of-loss reinsurance(19,867)(12,128)(50,923)(32,380)
Total ceded(39,215)(35,039)(107,644)(122,664)
Net premiums earned$252,111 $254,844 $763,048 $761,428 
Losses incurred:
Direct$(112,435)$17,265 $(242,861)$103,319 
Assumed21 (97)(340)(43)
Ceded - quota share reinsurance7,360 3,598 19,775 (13,710)
Losses incurred, net$(105,054)$20,766 $(223,426)$89,566 
Other Reinsurance Impacts:
Profit commission on quota share reinsurance (1)
$47,255 $45,078 $135,049 $108,000 
Ceding commission on quota share reinsurance13,321 13,599 38,355 39,657 
(1)Ceded premiums earned net of profit commission.
Schedule Of Quota Share Reinsurance Transactions
Table 4.2 below provides additional detail regarding our QSR Transactions.

Quota Share Reinsurance
Table4.2
Quota Share ContractCovered Policy YearsQuota Share %
Annual Loss Ratio to Exhaust Profit Commission (1)
Contractual Termination Date
2015 QSRPrior to 201715.0 %68.0 %December 31, 2031
2019 QSR201930.0 %62.0 %December 31, 2030
2020 QSR 202012.5 %62.0 %December 31, 2031
2020 QSR and 2021 QSR202017.5 %62.0 %December 31, 2032
2020 QSR and 2021 QSR202117.5 %61.9 %December 31, 2032
2021 QSR and 2022 QSR202112.5 %57.5 %December 31, 2032
2021 QSR and 2022 QSR202215.0 %57.5 %December 31, 2033
2022 QSR and 2023 QSR202215.0 %62.0 %December 31, 2033
2022 QSR and 2023 QSR202315.0 %62.0 %December 31, 2034
Credit Union QSR (2)
2020-202565.0 %50.0 %December 31, 2039
(1) We will receive a profit commission provided the annual loss ratio on policies covered under the transaction remains below this ratio.
(2) Eligible credit union business written before April 1, 2020 was covered by our 2019 and 2015 QSR Transactions.
Table 4.3 provides additional detail regarding optional termination dates and optional reductions to our quota share percentage which can, in each case, be elected by us for a fee. Under the optional reduction to the quota share percentage, we may reduce our quota share percentage from the original percentage shown in table 4.2 to the percentage shown in table 4.3.

Quota Share Reinsurance
Table4.3
Quota Share ContractCovered Policy Years
Optional Termination Date (1)
Optional Quota Share % Reduction Date (2)
Optional Reduced Quota Share %
2015 QSRPrior to 2017December 31, 2022NANA
2019 QSR2019December 31, 2022January 1, 202325% or 20%
2020 QSR 2020December 31, 2022January 1, 202310.5% or 8%
2020 QSR and 2021 QSR2020December 31, 2022January 1, 202314.5% or 12%
2020 QSR and 2021 QSR2021December 31, 2023January 1, 202314.5% or 12%
2021 QSR and 2022 QSR2021December 31, 2023January 1, 202310.5% or 8%
2021 QSR and 2022 QSR2022December 31, 2024July 1, 202312.5% or 10%
2022 QSR and 2023 QSR2022December 31, 2024July 1, 202312.5% or 10%
2022 QSR and 2023 QSR2023December 31, 2025July 1, 202412.5% or 10%
(1) We can elect early termination of the QSR Transaction beginning on this date, and bi-annually thereafter.
(2) We can elect to reduce the quota share percentage beginning on this date, and bi-annually thereafter.
Schedule of coverages and retention
Tables 4.4a and 4.4b provide a summary of our Home Re Transactions as of September 30, 2022 and December 31, 2021.

Excess of Loss Reinsurance - Home Re Transactions
4.4a
($ in thousands)Issue DatePolicy In force DatesOptional Call Date (1)Legal MaturityInitial First Layer RetentionInitial Excess of Loss Reinsurance Coverage
Home Re 2022-1, Ltd.April 26, 2022May 29, 2021 - December 31, 2021April 25, 202812.5 years$325,589$473,575
Home Re 2021-2, Ltd.August 3, 2021January 1, 2021 - May 28, 2021July 25, 202812.5 years190,159398,429
Home Re 2021-1, Ltd.February 2, 2021August 1, 2020 - December 31, 2020January 25, 202812.5 years211,159398,848
Home Re 2020-1, Ltd.October 29, 2020January 1, 2020 - July 31, 2020October 25, 202710 years275,283412,917
Home Re 2019-1, Ltd.May 25, 2019January 1, 2018 - March 31, 2019May 25, 202610 years185,730315,739
Home Re 2018-1, Ltd.October 30, 2018July 1, 2016 - December 31, 2017October 25, 202510 years168,691318,636
(1) We have the right to terminate the Home Re Transactions under certain circumstances and on any payment date on or after the respective Optional Call Date.
4.4bRemaining First Layer RetentionRemaining Excess of Loss Reinsurance Coverage
($ in thousands)
September 30, 2022
December 31, 2021
September 30, 2022
December 31, 2021
Home Re 2022-1, Ltd.$325,589 $— $473,575 $— 
Home Re 2021-2, Ltd.190,135 190,159 367,702 398,429 
Home Re 2021-1, Ltd.211,117 211,142 306,243 387,830 
Home Re 2020-1, Ltd.275,154 275,204 133,120 234,312 
Home Re 2019-1, Ltd.183,691 183,917 208,146 208,146 
Home Re 2018-1, Ltd.165,028 165,365 162,305 218,343 
Schedule of total assets of Home Re
Table 4.5 presents the total assets of the Home Re Entities as of September 30, 2022 and December 31, 2021.
Home Re total assets
Table4.5
(In thousands)
Home Re EntityTotal VIE Assets
September 30, 2022
Home Re 2022-1 Ltd.$473,575 
Home Re 2021-2 Ltd.372,715 
Home Re 2021-1 Ltd.317,891 
Home Re 2020-1 Ltd.141,508 
Home Re 2019-1 Ltd.208,146 
Home Re 2018-1 Ltd.169,157 
December 31, 2021
Home Re 2021-2 Ltd.$398,429 
Home Re 2021-1 Ltd.398,848 
Home Re 2020-1 Ltd.251,387 
Home Re 2019-1 Ltd.208,146 
Home Re 2018-1 Ltd.218,343 
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Earnings per Share (Tables)
 9 Months Ended
Sep. 30, 2022
Earnings Per Share [Abstract]  
Calculation of earnings (loss) per share
Table 6.1 reconciles the numerators and denominators used to calculate basic and diluted EPS.
Earnings per share
Table
6.1
 Three Months Ended September 30,Nine Months Ended September 30,
(In thousands, except per share data)2022202120222021
Basic earnings per share:
Net income$249,625 $157,977 $673,906 $461,049 
Weighted average common shares outstanding - basic302,622 335,938 309,097 338,045 
Basic earnings per share$0.82 $0.47 $2.18 $1.36 
Diluted earnings per share:
Net income$249,625 $157,977 $673,906 $461,049 
Interest expense, net of tax (1):
9% Debentures620 3,712 2,851 11,135 
Diluted income available to common shareholders$250,245 $161,689 $676,757 $472,184 
Weighted average common shares outstanding - basic302,622 335,938 309,097 338,045 
Effect of dilutive securities:
Unvested RSUs1,902 1,834 1,848 1,651 
9% Debentures2,670 15,785 4,084 15,785 
Weighted average common shares outstanding - diluted307,194 353,557 315,029 355,481 
Diluted earnings per share$0.81 $0.46 $2.15 $1.33 
(1) Interest expense for the three and nine months ended September 30, 2022 and 2021, respectively, has been tax effected at a rate of 21%.
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Investments (Tables)
 9 Months Ended
Sep. 30, 2022
Investments [Abstract]  
Amortized cost, gross unrealized gains and losses and fair value of fixed income securities
Our fixed income securities classified as available-for-sale at September 30, 2022 and December 31, 2021 are shown in tables 7.1a and 7.1b below.
Details of fixed income securities by category as of September 30, 2022
Table7.1a
(In thousands)Amortized CostGross Unrealized GainsGross Unrealized (Losses)Fair Value
U.S. Treasury securities and obligations of U.S. government corporations and agencies$180,941 $25 $(10,294)$170,672 
Obligations of U.S. states and political subdivisions2,414,505 1,700 (265,167)2,151,038 
Corporate debt securities2,393,106 148 (227,409)2,165,845 
ABS134,309 5 (5,819)128,495 
RMBS230,997 15 (28,372)202,640 
CMBS266,711 14 (21,080)245,645 
CLOs337,827 — (12,329)325,498 
Foreign government debt4,486 — (914)3,572 
Commercial paper7,577 — — 7,577 
Total fixed income securities$5,970,459 $1,907 $(571,384)$5,400,982 
Details of fixed income securities by category as of December 31, 2021
Table7.1b
(In thousands)Amortized CostGross Unrealized GainsGross Unrealized (Losses)Fair Value
U.S. Treasury securities and obligations of U.S. government corporations and agencies$133,990 $285 $(868)$133,407 
Obligations of U.S. states and political subdivisions2,408,688 133,361 (7,396)2,534,653 
Corporate debt securities2,704,586 75,172 (13,776)2,765,982 
ABS150,888 830 (1,008)150,710 
RMBS309,991 2,397 (3,278)309,110 
CMBS315,330 5,736 (1,936)319,130 
CLOs360,436 609 (106)360,939 
Foreign government debt13,749 — (99)13,650 
Total fixed income securities$6,397,658 $218,390 $(28,467)$6,587,581 
Amortized cost and fair values of fixed income securities by contractual maturity
The amortized cost and fair values of fixed income securities at September 30, 2022, by contractual maturity, are shown in table 7.2 below. Actual maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Because most ABS, RMBS, CMBS, and CLOs provide for periodic payments throughout their lives, they are listed in separate categories.
Fixed income securities maturity schedule
Table7.2
September 30, 2022
(In thousands)Amortized costFair Value
Due in one year or less$422,546 $416,536 
Due after one year through five years1,413,885 1,334,284 
Due after five years through ten years1,814,408 1,614,687 
Due after ten years1,349,776 1,133,197 
5,000,615 4,498,704 
ABS134,309 128,495 
RMBS230,997 202,640 
CMBS266,711 245,645 
CLOs337,827 325,498 
Total as of September 30, 2022$5,970,459 $5,400,982 
Cost and fair value of investments in equity securities
The cost and fair value of investments in equity securities at September 30, 2022 and December 31, 2021 are shown in tables 7.3a and 7.3b below.
Details of equity security investments as of September 30, 2022
Table7.3a
(In thousands)CostGross GainsGross LossesFair Value
Equity securities$16,006 $— $(2,121)$13,885 
Details of equity security investments as of December 31, 2021
Table7.3b
(In thousands)CostGross GainsGross LossesFair Value
Equity securities$15,838 $264 $(34)$16,068 
Schedule of realized gains (losses) and proceeds from sale of securities
The net gains (losses) on investments and other financial instruments and the proceeds from the sale of fixed income securities classified as available-for-sale are shown in table 7.4 below.
Details of net gains (losses) on investments and other financial instruments
Table7.4Three Months Ended September 30,Nine Months Ended September 30,
(in thousands)2022202120222021
Fixed income securities
Gains on sales1,667 1,389 6,788 6,680 
Losses on sales(7,040)(259)(12,790)(1,004)
Change in credit allowance— (1)— 48 
Impairments(1,415)— (1,415)— 
Equity securities gains (losses)(617)(108)(2,351)(308)
Change in embedded derivative on Home Re Transactions4,199 (397)983 376 
Other(52)(12)9 (19)
Net gains (losses) on investments and other financial instruments(3,258)612 (8,776)5,773 
Proceeds from sales of fixed income securities125,186 106,765 388,740 246,827 
Aging of the fair values of securities in an unrealized loss position
Tables 7.5a and 7.5b below summarize, for all available-for-sale investments in an unrealized loss position at September 30, 2022 and December 31, 2021, the aggregate fair value and gross unrealized loss by the length of time those securities have been continuously in an unrealized loss position. The fair value amounts reported in tables 7.5a and 7.5b are estimated using the process described in Note 8 - “Fair Value Measurements” to these consolidated financial statements and in Note 3 - “Significant Accounting Policies” to the consolidated financial statements in our 2021 Annual Report on Form 10-K.
Unrealized loss aging for securities by type and length of time as of September 30, 2022
Table7.5a
Less Than 12 Months12 Months or GreaterTotal
(In thousands)Fair ValueUnrealized LossesFair ValueUnrealized LossesFair ValueUnrealized Losses
U.S. Treasury securities and obligations of U.S. government corporations and agencies$91,057 $(4,565)$52,868 $(5,729)$143,925 $(10,294)
Obligations of U.S. states and political subdivisions1,993,265 (229,380)122,240 (35,787)2,115,505 (265,167)
Corporate debt securities1,897,128 (164,708)307,124 (62,701)2,204,252 (227,409)
ABS96,910 (3,741)32,673 (2,078)129,583 (5,819)
RMBS124,775 (13,598)93,453 (14,774)218,228 (28,372)
CMBS183,053 (13,797)66,755 (7,283)249,808 (21,080)
CLOs266,139 (9,355)59,359 (2,974)325,498 (12,329)
Foreign government debt— — 3,572 (914)3,572 (914)
Total$4,652,327 $(439,144)$738,044 $(132,240)$5,390,371 $(571,384)
Unrealized loss aging for securities by type and length of time as of December 31, 2021
Table7.5b
Less Than 12 Months12 Months or GreaterTotal
(In thousands)Fair Value
Unrealized
 Losses
Fair Value
Unrealized
Losses
Fair Value
Unrealized
 Losses
U.S. Treasury securities and obligations of U.S. government corporations and agencies$91,154 $(790)$2,616 $(78)$93,770 $(868)
Obligations of U.S. states and political subdivisions452,021 (7,189)15,540 (207)467,561 (7,396)
Corporate debt securities865,085 (13,260)10,997 (516)876,082 (13,776)
ABS100,064 (998)1,552 (10)101,616 (1,008)
RMBS180,586 (2,548)31,641 (730)212,227 (3,278)
CMBS89,889 (1,887)1,511 (49)91,400 (1,936)
CLOs177,663 (71)21,973 (35)199,636 (106)
Foreign government debt13,649 (99)— — 13,649 (99)
Total$1,970,111 $(26,842)$85,830 $(1,625)$2,055,941 $(28,467)
XML 40 R29.htm IDEA: XBRL DOCUMENT v3.22.2.2
Fair Value Measurements (Tables)
 9 Months Ended
Sep. 30, 2022
Fair Value Disclosures [Abstract]  
Fair value measurements for items measured at fair value
Assets measured at fair value, by hierarchy level, as of September 30, 2022 and December 31, 2021 are shown in tables 8.1a and 8.1b below. The fair value of the assets is estimated using the process described above, and more fully in Note 3 - “Significant Accounting Policies” to the consolidated financial statements in our 2021 Annual Report on Form 10-K.
Assets carried at fair value by hierarchy level as of September 30, 2022
Table8.1a
(In thousands)Total Fair Value
Quoted Prices in Active Markets for Identical Assets
(Level 1)
Significant Other Observable Inputs
(Level 2)
U.S. Treasury securities and obligations of U.S. government corporations and agencies$170,672 $151,741 $18,931 
Obligations of U.S. states and political subdivisions2,151,038 — 2,151,038 
Corporate debt securities2,165,845 — 2,165,845 
ABS128,495 — 128,495 
RMBS202,640 — 202,640 
CMBS245,645 — 245,645 
CLOs325,498 — 325,498 
Foreign government debt3,572 — 3,572 
Commercial paper7,577 — 7,577 
Total fixed income securities5,400,982 151,741 5,249,241 
Equity securities13,885 13,885 — 
Cash equivalents236,940 198,397 38,543 
Total$5,651,807 $364,023 $5,287,784 
Assets carried at fair value by hierarchy level as of December 31, 2021
Table8.1b
(In thousands)Total Fair Value
Quoted Prices in Active Markets for Identical Assets
(Level 1)
Significant Other Observable Inputs
(Level 2)
U.S. Treasury securities and obligations of U.S. government corporations and agencies$133,407 $102,153 $31,254 
Obligations of U.S. states and political subdivisions2,534,653 — 2,534,653 
Corporate debt securities2,765,982 — 2,765,982 
ABS150,710 — 150,710 
RMBS309,110 — 309,110 
CMBS319,130 — 319,130 
CLOs360,939 — 360,939 
Foreign government debt13,650 — 13,650 
Total fixed income securities6,587,581 102,153 6,485,428 
Equity securities16,068 16,068 — 
Cash equivalents254,230 254,230 — 
Total$6,857,879 $372,451 $6,485,428 
Carrying value and fair value of financial assets and liabilities
Table 8.2 presents the carrying value and fair value of our financial assets and liabilities disclosed, but not carried, at fair value at September 30, 2022 and December 31, 2021.
Financial assets and liabilities not measured at fair value
Table8.2
September 30, 2022December 31, 2021
(In thousands)Carrying ValueFair ValueCarrying ValueFair Value
Financial assets
Other invested assets$850 $850 $3,100 $3,100 
Financial liabilities
FHLB Advance— — 155,000 157,585 
5.75% Senior Notes— — 241,255 256,213 
5.25% Senior Notes641,357 580,931 640,253 686,875 
9% Convertible Junior Subordinated Debentures21,296 28,475 110,204 151,000 
Total financial liabilities$662,653 $609,406 $1,146,712 $1,251,673 
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Other Comprehensive Income (Tables)
 9 Months Ended
Sep. 30, 2022
Comprehensive Income (Loss), Net of Tax, Attributable to Parent [Abstract]  
Other comprehensive income
The pretax and related income tax benefit (expense) components of our other comprehensive income (loss) for the three and nine months ended September 30, 2022 and 2021 are included in table 9.1 below.
Components of other comprehensive income (loss)
Table
9.1
Three Months Ended September 30,Nine Months Ended September 30,
(In thousands)2022202120222021
Net unrealized investment (losses) gains arising during the period$(194,449)$(34,937)$(759,409)$(97,057)
Total income tax benefit (expense)40,834 7,337 159,476 20,382 
Net of taxes(153,615)(27,600)(599,933)(76,675)
Net changes in benefit plan assets and obligations(20,471)7,548 (19,353)9,492 
Total income tax benefit (expense)4,299 (1,585)4,064 (1,993)
Net of taxes(16,172)5,963 (15,289)7,499 
Total other comprehensive income (loss)(214,920)(27,389)(778,762)(87,565)
Total income tax benefit (expense)45,133 5,752 163,540 18,389 
Total other comprehensive income (loss), net of tax$(169,787)$(21,637)$(615,222)$(69,176)
Reclassification out of accumulated other comprehensive income
The pretax and related income tax benefit (expense) components of the amounts reclassified from our accumulated other comprehensive income (loss) (“AOCI”) to our consolidated statements of operations for the three and nine months ended September 30, 2022 and 2021 are included in table 9.2 below.
Reclassifications from AOCI
Table
9.2
Three Months Ended September 30,Nine Months Ended September 30,
(In thousands)2022202120222021
Reclassification adjustment for net realized (losses) gains(1)
$(6,681)$1,045 $(4,273)$7,462 
Income tax benefit (expense)1,403 (219)897 (1,566)
Net of taxes(5,278)826 (3,376)5,896 
Reclassification adjustment related to benefit plan assets and obligations (2)
(6,228)(971)(7,346)(2,915)
Income tax benefit (expense)1,308 204 1,543 612 
Net of taxes(4,920)(767)(5,803)(2,303)
Total reclassifications(12,909)74 (11,619)4,547 
Income tax benefit (expense)2,711 (15)2,440 (954)
Total reclassifications, net of tax$(10,198)$59 $(9,179)$3,593 
(1)Increases (decreases) Net realized investment gains (losses) on the consolidated statements of operations.
(2)Decreases (increases) Other underwriting and operating expenses, net on the consolidated statements of operations.
Accumulated other comprehensive income (loss)
A rollforward of AOCI for the nine months ended September 30, 2022, including amounts reclassified from AOCI, are included in table 9.3 below.
Rollforward of AOCI
Table
9.3
Nine Months Ended September 30, 2022
(In thousands)Net unrealized gains and (losses) on available-for-sale securitiesNet benefit plan assets and (obligations) recognized in shareholders' equityTotal accumulated other comprehensive income (loss)
Balance at December 31, 2021, net of tax$150,038 $(30,341)$119,697 
Other comprehensive income (loss) before reclassifications(603,309)(21,092)(624,401)
Less: Amounts reclassified from AOCI(3,376)(5,803)(9,179)
Balance, September 30, 2022, net of tax$(449,895)$(45,630)$(495,525)
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Benefit Plans (Tables)
 9 Months Ended
Sep. 30, 2022
Retirement Benefits [Abstract]  
Components of net periodic benefit cost
Tables 10.1 and 10.2 provide the components of net periodic benefit cost for our pension, supplemental executive retirement and other postretirement benefit plans for the three and nine months ended September 30, 2022 and 2021.

Components of net periodic benefit cost
Table
10.1
Three Months Ended September 30,
Pension and Supplemental Executive Retirement PlansOther Postretirement Benefit Plans
(In thousands)2022202120222021
Service cost$1,813 $1,908 $327 $377 
Interest cost2,863 2,794 173 163 
Expected return on plan assets(4,907)(5,229)(2,625)(2,216)
Amortization of net actuarial losses (gains)1,266 1,403 (776)(425)
Amortization of prior service cost (credit)(57)(60)123 53 
Settlements and curtailments5,671 4,732 — — 
Net periodic benefit cost (benefit)$6,649 $5,548 $(2,778)$(2,048)
Components of net periodic benefit cost
Table10.2
Nine Months Ended September 30,
Pension and Supplemental Executive Retirement PlansOther Postretirement Benefit Plans
(In thousands)2022202120222021
Service cost$5,439 $5,724 $981 $1,131 
Interest cost8,588 8,383 521 487 
Expected return on plan assets(14,723)(15,687)(7,876)(6,647)
Amortization of net actuarial losses (gains)3,798 4,208 (2,328)(1,273)
Amortization of prior service cost (credit)(163)(179)367 159 
Settlements and curtailments5,671 4,732 — — 
Net periodic benefit cost (benefit)$8,610 $7,181 $(8,335)$(6,143)
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Loss Reserves (Tables)
 9 Months Ended
Sep. 30, 2022
Insurance Loss Reserves [Abstract]  
Reconciliation of beginning and ending loss reserves
Table 11.1 provides a reconciliation of beginning and ending loss reserves as of and for the nine months ended September 30, 2022 and 2021.
Development of reserves for losses and loss adjustment expenses
Table
11.1
Nine Months Ended September 30,
(In thousands)20222021
Reserve at beginning of period$883,522 $880,537 
Less reinsurance recoverable66,905 95,042 
Net reserve at beginning of period816,617 785,495 
Losses incurred:
Losses and LAE incurred in respect of delinquency notices received in:
Current year104,086 95,534 
Prior years (1)
(327,512)(5,968)
Total losses incurred(223,426)89,566 
Losses paid:
Losses and LAE paid in respect of delinquency notices received in:
Current year116 339 
Prior years36,089 48,842 
Total losses paid36,205 49,181 
Net reserve at end of period556,986 825,880 
Plus reinsurance recoverable46,384 107,029 
Reserve at end of period$603,370 $932,909 
(1)A positive number for prior year loss reserve development indicates a deficiency of prior year reserves. A negative number for prior year loss reserve development indicates a redundancy of prior year loss reserves. See the following table for more information about prior year loss reserve development.
Prior year development of the reserves
The prior year loss reserve development for the nine months of September 30, 2022 and 2021 is reflected in table 11.2 below.
Reserve development on previously received delinquencies
Table
11.2
Nine Months Ended September 30,
(In thousands)20222021
Increase (decrease) in estimated claim rate on primary defaults$(324,556)$(18,147)
Increase (decrease) in estimated severity on primary defaults(18,682)(105)
Change in estimates related to pool reserves, LAE reserves, reinsurance, and other15,726 12,284 
Total prior year loss development (1)
$(327,512)$(5,968)
(1)A positive number for prior year loss reserve development indicates a deficiency of prior year loss reserves. A negative number for prior year loss reserve development indicates a redundancy of prior year loss reserves.
Rollforward of primary delinquent inventory
A rollforward of our primary delinquency inventory for the three and nine months ended September 30, 2022 and 2021 appears in table 11.3 below. The information concerning new notices and cures is compiled from monthly reports received from loan servicers. The level of new notice and cure activity reported in a particular month can be influenced by, among other things, the date on which a servicer generates its report, the number of business days in a month and transfers of servicing between loan servicers.
Delinquency inventory rollforward
Table
11.3
Three Months Ended September 30,Nine Months Ended September 30,
2022202120222021
Delinquency inventory at beginning of period26,855 42,999 33,290 57,710 
New notices10,990 9,862 31,089 31,909 
Cures(11,494)(14,813)(37,371)(50,901)
Paid claims(337)(298)(978)(956)
Rescissions and denials(11)(11)(27)(23)
Other items removed from inventory(125)(360)(125)(360)
Delinquency inventory at end of period25,87837,37925,87837,379
Aging of the primary delinquent inventory
Table 11.4 below shows the number of consecutive months a borrower is delinquent. Historically as a delinquency ages it is more likely to result in a claim.
Primary delinquency inventory - consecutive months delinquent
Table
11.4
September 30, 2022December 31, 2021September 30, 2021
3 months or less7,825 7,586 6,948 
4-11 months7,619 7,990 9,371 
12 months or more (1)
10,434 17,714 21,060 
Total 25,878 33,290 37,379 
3 months or less30 %23 %19 %
4-11 months30 %24 %25 %
12 months or more40 %53 %56 %
Total100 %100 %100 %
Primary claims received inventory included in ending delinquent inventory244 211 154 
(1)Approximately 33%, 20%, and 17% of the primary delinquency inventory delinquent for 12 consecutive months or more has been delinquent for at least 36 consecutive months as of September 30, 2022, December 31, 2021, and September 30, 2021, respectively.
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Share-Based Compensation (Tables)
 9 Months Ended
Sep. 30, 2022
Share-Based Payment Arrangement [Abstract]  
Schedule of stock-based compensation, activity
Table 13.1 shows the number of restricted stock units (RSUs) granted to employees and non-employee directors and the weighted average fair value per share during the periods presented (shares in thousands).
Restricted stock unit grants
Table
13.1
Nine months ended September 30,
20222021
RSUs
Granted
(in thousands)
Weighted Average Share Fair Value
RSUs
Granted
(in thousands)
Weighted Average Share Fair Value
RSUs subject to performance conditions(1)848 $15.46 966 $12.82 
RSUs subject only to service conditions319 15.45 398 12.82 
Non-employee director RSUs104 15.32 — — 
(1)Shares granted are subject to performance conditions under which the target number of shares granted may vest up to 200%.
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Statutory Information Statutory Information (Tables)
 9 Months Ended
Sep. 30, 2022
Statutory Capital [Abstract]  
Summary of amounts disclosed under statutory accounting practices
The statutory net income, policyholders’ surplus, and contingency reserve liability of our insurance subsidiaries, including MGIC, are shown in table 14.1.

Financial information of our insurance subsidiaries (including MGIC)
Table 14.1
As of and for the Nine Months Ended September 30,
(In thousands)20222021
Statutory net income$284,084 $194,614 
Statutory policyholders' surplus1,231,992 1,354,268 
Contingency reserve4,533,371 3,987,786 
XML 46 R35.htm IDEA: XBRL DOCUMENT v3.22.2.2
Debt - Summary of Debt Obligations (Details) - USD ($)
Sep. 30, 2022
Dec. 31, 2021
Debt Instrument [Line Items]    
Long-term debt, carrying value $ 662,700,000 $ 1,146,700,000
Federal Home Loan Bank Advances (FHLB)    
Debt Instrument [Line Items]    
Long-term debt, carrying value $ 0 155,000,000.0
Stated interest rate 1.91%  
Senior Notes | 5.75% Senior Notes Due 2023    
Debt Instrument [Line Items]    
Long-term debt, carrying value $ 0 241,300,000
Stated interest rate 5.75%  
Senior Notes | 5.25% Senior Notes Due 2028    
Debt Instrument [Line Items]    
Long-term debt, carrying value $ 641,400,000 640,200,000
Stated interest rate 5.25%  
Debt instrument, face amount $ 650,000,000  
9% Convertible Junior Subordinated Debentures    
Debt Instrument [Line Items]    
Long-term debt, carrying value $ 21,300,000 $ 110,200,000
Stated interest rate 9.00%  
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Debt - Narrative (Details)
$ / shares in Units, shares in Millions
 1 Months Ended 3 Months Ended 9 Months Ended
Jul. 31, 2022
USD ($)
Sep. 30, 2022
USD ($)
$ / shares
Mar. 31, 2022
USD ($)
Sep. 30, 2021
USD ($)
Sep. 30, 2022
USD ($)
$ / shares
shares
Sep. 30, 2021
USD ($)
Debt Instrument [Line Items]            
Loss on debt extinguishment   $ 11,632,000   $ 0 $ 40,130,000 $ 0
Total interest payments         $ 52,700,000 $ 60,000,000
9% Convertible Junior Subordinated Debentures            
Debt Instrument [Line Items]            
Conversion rate (in shares per $1,000 note)         0.0765496  
Principal amount of notes used in determining conversion rate   $ 1,000     $ 1,000  
Convertible debt, conversion price (in dollars per share) | $ / shares   $ 13.06     $ 13.06  
Stated interest rate   9.00%     9.00%  
Extinguishment of debt, amount         $ 88,900,000  
Repurchases of convertible junior subordinated debentures         120,900,000  
Loss on debt extinguishment         $ 32,000,000  
Reduction in potentially dilutive shares due to debt extinguishment | shares         6.8  
Senior Notes | 5.75% Senior Notes Due 2023            
Debt Instrument [Line Items]            
Stated interest rate   5.75%     5.75%  
Redemption of senior notes $ 248,400,000          
Loss on debt extinguishment $ 6,800,000          
Senior Notes | 5.25% Senior Notes Due 2028            
Debt Instrument [Line Items]            
Stated interest rate   5.25%     5.25%  
Federal Home Loan Bank Advances (FHLB)            
Debt Instrument [Line Items]            
Stated interest rate   1.91%     1.91%  
Loss on debt extinguishment     $ 1,300,000      
Federal Home Loan Bank advance prepayment amount     $ 156,300,000      
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Reinsurance - Summary of Premiums Earned and Losses Incurred (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Premiums earned:        
Direct $ 289,072 $ 287,223 $ 864,191 $ 876,541
Assumed 2,254 2,660 6,501 7,551
Ceded (39,215) (35,039) (107,644) (122,664)
Net premiums earned 252,111 254,844 763,048 761,428
Losses incurred:        
Direct (112,435) 17,265 (242,861) 103,319
Assumed 21 (97) (340) (43)
Ceded 7,360 3,598 19,775 (13,710)
Losses incurred, net (105,054) 20,766 (223,426) 89,566
Quota Share Reinsurance Transactions        
Premiums earned:        
Ceded (19,348) (22,911) (56,721) (90,284)
Losses incurred:        
Ceded 7,360 3,598 19,775 (13,710)
Profit commission on reinsurance 47,255 45,078 135,049 108,000
Ceding commission on reinsurance 13,321 13,599 38,355 39,657
Excess of Loss Reinsurance Transactions        
Premiums earned:        
Ceded $ (19,867) $ (12,128) $ (50,923) $ (32,380)
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Reinsurance - Narrative (Details) - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2022
Dec. 31, 2021
Sep. 30, 2021
Dec. 31, 2020
Effects of Reinsurance [Line Items]        
Reinsurance recoverable on paid losses $ 214 $ 36,275    
Reinsurance recoverable on loss reserves 46,384 66,905 $ 107,029 $ 95,042
Reinsurance Coverage, Traditional XOL Transaction        
Effects of Reinsurance [Line Items]        
Excess of loss reinsurance coverage $ 175,000      
Approximate contractual termination term 10 years      
Optional termination term 7 years      
Home Re special purpose insurers        
Effects of Reinsurance [Line Items]        
Percent of total trust assets invested in cash or direct U.S. federal government obligations 99.50%      
Quota Share Reinsurance Transactions        
Effects of Reinsurance [Line Items]        
Ceding commission, percentage (as a percent) 20.00%      
Reinsurance, quote share reinsurance agreement, annual loss ratio cap (as a percent) 300.00%      
Reinsurance, quota reinsurance agreement, lifetime loss ratio cap (as a percent) 200.00%      
Threshold for private mortgage insurer eligibility requirements for termination election (less than) (as a percent) 90.00%      
Reinsurance recoverable on loss reserves $ 46,400 66,900    
Credit Union QSR Transaction        
Effects of Reinsurance [Line Items]        
Threshold for private mortgage insurer eligibility requirements for termination election (less than) (as a percent) 80.00%      
QSR Transactions, 2017 & 2018        
Effects of Reinsurance [Line Items]        
Reinsurance recoverable on paid losses   $ 36,000    
Aggregate Excess of Loss Reinsurance Transactions, Home Re | Minimum        
Effects of Reinsurance [Line Items]        
Amortization period excess of loss reinsurance coverage 10 years      
Aggregate Excess of Loss Reinsurance Transactions, Home Re | Maximum        
Effects of Reinsurance [Line Items]        
Amortization period excess of loss reinsurance coverage 12 years 6 months      
XML 50 R39.htm IDEA: XBRL DOCUMENT v3.22.2.2
Reinsurance - Quota Share Transactions Terms (Details)
 9 Months Ended
Sep. 30, 2022
2015 QSR  
Effects of Reinsurance [Line Items]  
Quota share for all policies covered (as a percent) 15.00%
Loss ratio threshold for profit commissions (as a percent) 68.00%
2019 QSR  
Effects of Reinsurance [Line Items]  
Quota share for all policies covered (as a percent) 30.00%
Loss ratio threshold for profit commissions (as a percent) 62.00%
Cede rate, option 1 (as a percent) 25.00%
Cede rate, option 2 (as a percent) 20.00%
2020 QSR  
Effects of Reinsurance [Line Items]  
Quota share for all policies covered (as a percent) 12.50%
Loss ratio threshold for profit commissions (as a percent) 62.00%
Cede rate, option 1 (as a percent) 10.50%
Cede rate, option 2 (as a percent) 8.00%
2020 and 2021 QSR - 2020 NIW  
Effects of Reinsurance [Line Items]  
Quota share for all policies covered (as a percent) 17.50%
Loss ratio threshold for profit commissions (as a percent) 62.00%
Cede rate, option 1 (as a percent) 14.50%
Cede rate, option 2 (as a percent) 12.00%
2020 and 2021 QSR - 2021 NIW  
Effects of Reinsurance [Line Items]  
Quota share for all policies covered (as a percent) 17.50%
Loss ratio threshold for profit commissions (as a percent) 61.90%
Cede rate, option 1 (as a percent) 14.50%
Cede rate, option 2 (as a percent) 12.00%
2021 and 2022 QSR - 2021 NIW  
Effects of Reinsurance [Line Items]  
Quota share for all policies covered (as a percent) 12.50%
Loss ratio threshold for profit commissions (as a percent) 57.50%
Cede rate, option 1 (as a percent) 10.50%
Cede rate, option 2 (as a percent) 8.00%
2021 and 2022 QSR - 2022 NIW  
Effects of Reinsurance [Line Items]  
Quota share for all policies covered (as a percent) 15.00%
Loss ratio threshold for profit commissions (as a percent) 57.50%
Cede rate, option 1 (as a percent) 12.50%
Cede rate, option 2 (as a percent) 10.00%
2022 and 2023 QSR - 2022 NIW  
Effects of Reinsurance [Line Items]  
Quota share for all policies covered (as a percent) 15.00%
Loss ratio threshold for profit commissions (as a percent) 62.00%
Cede rate, option 1 (as a percent) 12.50%
Cede rate, option 2 (as a percent) 10.00%
2022 and 2023 QSR - 2023 NIW  
Effects of Reinsurance [Line Items]  
Quota share for all policies covered (as a percent) 15.00%
Loss ratio threshold for profit commissions (as a percent) 62.00%
Cede rate, option 1 (as a percent) 12.50%
Cede rate, option 2 (as a percent) 10.00%
Credit Union QSR Transaction  
Effects of Reinsurance [Line Items]  
Quota share for all policies covered (as a percent) 65.00%
Loss ratio threshold for profit commissions (as a percent) 50.00%
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Reinsurance - Excess of Loss Reinsurance (Details) - USD ($)
$ in Thousands
 9 Months Ended 12 Months Ended
Apr. 26, 2022
Aug. 03, 2021
Feb. 02, 2021
Oct. 29, 2020
May 25, 2019
Oct. 30, 2018
Sep. 30, 2022
Dec. 31, 2021
Home Re 2022-1                
Effects of Reinsurance [Line Items]                
Term of mortgage insurance-linked notes 12 years 6 months              
Initial first layer retention $ 325,589              
Remaining first layer retention             $ 325,589  
Excess of loss reinsurance coverage, initial and remaining $ 473,575           473,575  
Home Re 2021-2                
Effects of Reinsurance [Line Items]                
Term of mortgage insurance-linked notes   12 years 6 months            
Initial first layer retention   $ 190,159            
Remaining first layer retention             190,135 $ 190,159
Excess of loss reinsurance coverage, initial and remaining   $ 398,429         367,702 398,429
Home Re 2021-1                
Effects of Reinsurance [Line Items]                
Term of mortgage insurance-linked notes     12 years 6 months          
Initial first layer retention     $ 211,159          
Remaining first layer retention             211,117 211,142
Excess of loss reinsurance coverage, initial and remaining     $ 398,848       306,243 387,830
Home Re 2020-1                
Effects of Reinsurance [Line Items]                
Term of mortgage insurance-linked notes       10 years        
Initial first layer retention       $ 275,283        
Remaining first layer retention             275,154 275,204
Excess of loss reinsurance coverage, initial and remaining       $ 412,917     133,120 234,312
Home Re 2019-1                
Effects of Reinsurance [Line Items]                
Term of mortgage insurance-linked notes         10 years      
Initial first layer retention         $ 185,730      
Remaining first layer retention             183,691 183,917
Excess of loss reinsurance coverage, initial and remaining         $ 315,739   208,146 208,146
Home Re 2018-1                
Effects of Reinsurance [Line Items]                
Term of mortgage insurance-linked notes           10 years    
Initial first layer retention           $ 168,691    
Remaining first layer retention             165,028 165,365
Excess of loss reinsurance coverage, initial and remaining           $ 318,636 $ 162,305 $ 218,343
XML 52 R41.htm IDEA: XBRL DOCUMENT v3.22.2.2
Reinsurance - Variable Interest Entity (Details) - USD ($)
$ in Thousands
Sep. 30, 2022
Dec. 31, 2021
Effects of Reinsurance [Line Items]    
Assets $ 6,154,116 $ 7,325,008
Home Re 2022-1    
Effects of Reinsurance [Line Items]    
Assets 473,575  
Home Re 2021-2    
Effects of Reinsurance [Line Items]    
Assets 372,715 398,429
Home Re 2021-1    
Effects of Reinsurance [Line Items]    
Assets 317,891 398,848
Home Re 2020-1    
Effects of Reinsurance [Line Items]    
Assets 141,508 251,387
Home Re 2019-1    
Effects of Reinsurance [Line Items]    
Assets 208,146 208,146
Home Re 2018-1    
Effects of Reinsurance [Line Items]    
Assets $ 169,157 $ 218,343
XML 53 R42.htm IDEA: XBRL DOCUMENT v3.22.2.2
Earnings per Share (Details) - USD ($)
$ / shares in Units, shares in Thousands, $ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Basic earnings per share:        
Net income $ 249,625 $ 157,977 $ 673,906 $ 461,049
Weighted average common shares outstanding - basic (in shares) 302,622 335,938 309,097 338,045
Basic earnings per share (in dollars per share) $ 0.82 $ 0.47 $ 2.18 $ 1.36
Diluted earnings per share:        
Net income $ 249,625 $ 157,977 $ 673,906 $ 461,049
Diluted income available to common shareholders $ 250,245 $ 161,689 $ 676,757 $ 472,184
Weighted average common shares outstanding - basic (in shares) 302,622 335,938 309,097 338,045
Effect of dilutive securities:        
Weighted average common shares outstanding - diluted (in shares) 307,194 353,557 315,029 355,481
Diluted earnings per share (in dollars per share) $ 0.81 $ 0.46 $ 2.15 $ 1.33
Federal statutory income tax rate (in hundredths) 21.00% 21.00% 21.00% 21.00%
9% Convertible Junior Subordinated Debentures        
Diluted earnings per share:        
Dilutive securities $ 620 $ 3,712 $ 2,851 $ 11,135
Effect of dilutive securities:        
Dilutive securities (in shares) 2,670 15,785 4,084 15,785
Stated interest rate 9.00%   9.00%  
Unvested RSUs        
Effect of dilutive securities:        
Unvested RSUs (in shares) 1,902 1,834 1,848 1,651
XML 54 R43.htm IDEA: XBRL DOCUMENT v3.22.2.2
Investments (Details) - USD ($)
$ in Thousands
Sep. 30, 2022
Dec. 31, 2021
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost $ 5,970,459 $ 6,397,658
Fair Value 5,400,982 6,587,581
Assets held by insurance regulatory requirements 12,200 13,400
Assets held in trust for the benefit of contractual counterparties 165,000 189,800
FHLB advance, collateral pledged   167,200
Total fixed income securities    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 5,970,459 6,397,658
Gross Unrealized Gains 1,907 218,390
Gross Unrealized Losses (571,384) (28,467)
Fair Value 5,400,982 6,587,581
U.S. Treasury securities and obligations of U.S. government corporations and agencies    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 180,941 133,990
Gross Unrealized Gains 25 285
Gross Unrealized Losses (10,294) (868)
Fair Value 170,672 133,407
Obligations of U.S. states and political subdivisions    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 2,414,505 2,408,688
Gross Unrealized Gains 1,700 133,361
Gross Unrealized Losses (265,167) (7,396)
Fair Value 2,151,038 2,534,653
Corporate debt securities    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 2,393,106 2,704,586
Gross Unrealized Gains 148 75,172
Gross Unrealized Losses (227,409) (13,776)
Fair Value 2,165,845 2,765,982
ABS    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 134,309 150,888
Gross Unrealized Gains 5 830
Gross Unrealized Losses (5,819) (1,008)
Fair Value 128,495 150,710
RMBS    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 230,997 309,991
Gross Unrealized Gains 15 2,397
Gross Unrealized Losses (28,372) (3,278)
Fair Value 202,640 309,110
CMBS    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 266,711 315,330
Gross Unrealized Gains 14 5,736
Gross Unrealized Losses (21,080) (1,936)
Fair Value 245,645 319,130
CLOs    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 337,827 360,436
Gross Unrealized Gains 0 609
Gross Unrealized Losses (12,329) (106)
Fair Value 325,498 360,939
Foreign government debt    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 4,486 13,749
Gross Unrealized Gains 0 0
Gross Unrealized Losses (914) (99)
Fair Value 3,572 $ 13,650
Commercial paper    
Debt Securities, Available-for-sale [Line Items]    
Amortized Cost 7,577  
Gross Unrealized Gains 0  
Gross Unrealized Losses 0  
Fair Value $ 7,577  
XML 55 R44.htm IDEA: XBRL DOCUMENT v3.22.2.2
Investments - Amortized Cost and Fair Values of Debt Securities (Details) - USD ($)
$ in Thousands
Sep. 30, 2022
Dec. 31, 2021
Amortized cost    
Due in one year or less $ 422,546  
Due after one year through five years 1,413,885  
Due after five years through ten years 1,814,408  
Due after ten years 1,349,776  
Total debt securities with single maturity date, amortized cost 5,000,615  
Amortized Cost 5,970,459 $ 6,397,658
Fair Value    
Due in one year or less 416,536  
Due after one year through five years 1,334,284  
Due after five years through ten years 1,614,687  
Due after ten years 1,133,197  
Total debt securities with single maturity date, fair value 4,498,704  
Total at end of period 5,400,982 6,587,581
ABS    
Amortized cost    
Total debt securities without single maturity date, amortized cost 134,309  
Amortized Cost 134,309 150,888
Fair Value    
Total debt securities without single maturity date, fair value 128,495  
Total at end of period 128,495 150,710
RMBS    
Amortized cost    
Total debt securities without single maturity date, amortized cost 230,997  
Amortized Cost 230,997 309,991
Fair Value    
Total debt securities without single maturity date, fair value 202,640  
Total at end of period 202,640 309,110
CMBS    
Amortized cost    
Total debt securities without single maturity date, amortized cost 266,711  
Amortized Cost 266,711 315,330
Fair Value    
Total debt securities without single maturity date, fair value 245,645  
Total at end of period 245,645 319,130
CLOs    
Amortized cost    
Total debt securities without single maturity date, amortized cost 337,827  
Amortized Cost 337,827 360,436
Fair Value    
Total debt securities without single maturity date, fair value 325,498  
Total at end of period $ 325,498 $ 360,939
XML 56 R45.htm IDEA: XBRL DOCUMENT v3.22.2.2
Investments - Equity Securities (Details) - USD ($)
$ in Thousands
 9 Months Ended 12 Months Ended
Sep. 30, 2022
Dec. 31, 2021
Equity Securities, FV-NI, Gain (Loss) [Abstract]    
Cost $ 16,006 $ 15,838
Gross Gains 0 264
Gross Losses (2,121) (34)
Equity securities $ 13,885 $ 16,068
XML 57 R46.htm IDEA: XBRL DOCUMENT v3.22.2.2
Investments - Net Gains (Losses) On Investments and Other Financial Instruments (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Fixed income securities        
Gains on sales $ 1,667 $ 1,389 $ 6,788 $ 6,680
Losses on sales (7,040) (259) (12,790) (1,004)
Change in credit allowance 0 (1) 0 48
Impairments (1,415) 0 (1,415) 0
Equity securities gains (losses) (617) (108) (2,351) (308)
Change in embedded derivative on Home Re Transactions 4,199 (397) 983 376
Other (52) (12) 9 (19)
Net gains (losses) on investments and other financial instruments (3,258) 612 (8,776) 5,773
Proceeds from sales of fixed income securities $ 125,186 $ 106,765 $ 388,740 $ 246,827
XML 58 R47.htm IDEA: XBRL DOCUMENT v3.22.2.2
Investments - Securities In Unrealized Loss Position (Details)
$ in Thousands
Sep. 30, 2022
USD ($)
security
Dec. 31, 2021
USD ($)
security
Schedule of Investments [Line Items]    
Less Than 12 Months - Fair Value $ 4,652,327 $ 1,970,111
12 Months or Greater - Fair Value 738,044 85,830
Total - Fair Value 5,390,371 2,055,941
Less Than 12 Months - Unrealized Losses (439,144) (26,842)
12 Months or Greater - Unrealized Losses (132,240) (1,625)
Total - Unrealized Losses $ (571,384) $ (28,467)
Number of securities in unrealized loss position (in securities) | security 1,346 610
U.S. Treasury securities and obligations of U.S. government corporations and agencies    
Schedule of Investments [Line Items]    
Less Than 12 Months - Fair Value $ 91,057 $ 91,154
12 Months or Greater - Fair Value 52,868 2,616
Total - Fair Value 143,925 93,770
Less Than 12 Months - Unrealized Losses (4,565) (790)
12 Months or Greater - Unrealized Losses (5,729) (78)
Total - Unrealized Losses (10,294) (868)
Obligations of U.S. states and political subdivisions    
Schedule of Investments [Line Items]    
Less Than 12 Months - Fair Value 1,993,265 452,021
12 Months or Greater - Fair Value 122,240 15,540
Total - Fair Value 2,115,505 467,561
Less Than 12 Months - Unrealized Losses (229,380) (7,189)
12 Months or Greater - Unrealized Losses (35,787) (207)
Total - Unrealized Losses (265,167) (7,396)
Corporate debt securities    
Schedule of Investments [Line Items]    
Less Than 12 Months - Fair Value 1,897,128 865,085
12 Months or Greater - Fair Value 307,124 10,997
Total - Fair Value 2,204,252 876,082
Less Than 12 Months - Unrealized Losses (164,708) (13,260)
12 Months or Greater - Unrealized Losses (62,701) (516)
Total - Unrealized Losses (227,409) (13,776)
ABS    
Schedule of Investments [Line Items]    
Less Than 12 Months - Fair Value 96,910 100,064
12 Months or Greater - Fair Value 32,673 1,552
Total - Fair Value 129,583 101,616
Less Than 12 Months - Unrealized Losses (3,741) (998)
12 Months or Greater - Unrealized Losses (2,078) (10)
Total - Unrealized Losses (5,819) (1,008)
RMBS    
Schedule of Investments [Line Items]    
Less Than 12 Months - Fair Value 124,775 180,586
12 Months or Greater - Fair Value 93,453 31,641
Total - Fair Value 218,228 212,227
Less Than 12 Months - Unrealized Losses (13,598) (2,548)
12 Months or Greater - Unrealized Losses (14,774) (730)
Total - Unrealized Losses (28,372) (3,278)
CMBS    
Schedule of Investments [Line Items]    
Less Than 12 Months - Fair Value 183,053 89,889
12 Months or Greater - Fair Value 66,755 1,511
Total - Fair Value 249,808 91,400
Less Than 12 Months - Unrealized Losses (13,797) (1,887)
12 Months or Greater - Unrealized Losses (7,283) (49)
Total - Unrealized Losses (21,080) (1,936)
CLOs    
Schedule of Investments [Line Items]    
Less Than 12 Months - Fair Value 266,139 177,663
12 Months or Greater - Fair Value 59,359 21,973
Total - Fair Value 325,498 199,636
Less Than 12 Months - Unrealized Losses (9,355) (71)
12 Months or Greater - Unrealized Losses (2,974) (35)
Total - Unrealized Losses (12,329) (106)
Foreign government debt    
Schedule of Investments [Line Items]    
Less Than 12 Months - Fair Value 0 13,649
12 Months or Greater - Fair Value 3,572 0
Total - Fair Value 3,572 13,649
Less Than 12 Months - Unrealized Losses 0 (99)
12 Months or Greater - Unrealized Losses (914) 0
Total - Unrealized Losses $ (914) $ (99)
XML 59 R48.htm IDEA: XBRL DOCUMENT v3.22.2.2
Fair Value Measurements (Details) - USD ($)
$ in Thousands
Sep. 30, 2022
Dec. 31, 2021
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value $ 5,400,982 $ 6,587,581
Equity securities 13,885 16,068
Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Equity securities 13,885 16,068
Cash equivalents 236,940 254,230
Total assets 5,651,807 6,857,879
Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Equity securities 13,885 16,068
Cash equivalents 198,397 254,230
Total assets 364,023 372,451
Significant Other Observable Inputs (Level 2) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Equity securities 0 0
Cash equivalents 38,543 0
Total assets 5,287,784 6,485,428
Significant Unobservable Inputs (Level 3)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Embedded derivative related to Home Re transactions 800 1,800
Total fixed income securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 5,400,982 6,587,581
Total fixed income securities | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 5,400,982 6,587,581
Total fixed income securities | Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 151,741 102,153
Total fixed income securities | Significant Other Observable Inputs (Level 2) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 5,249,241 6,485,428
U.S. Treasury securities and obligations of U.S. government corporations and agencies    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 170,672 133,407
U.S. Treasury securities and obligations of U.S. government corporations and agencies | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 170,672 133,407
U.S. Treasury securities and obligations of U.S. government corporations and agencies | Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 151,741 102,153
U.S. Treasury securities and obligations of U.S. government corporations and agencies | Significant Other Observable Inputs (Level 2) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 18,931 31,254
Obligations of U.S. states and political subdivisions    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 2,151,038 2,534,653
Obligations of U.S. states and political subdivisions | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 2,151,038 2,534,653
Obligations of U.S. states and political subdivisions | Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 0 0
Obligations of U.S. states and political subdivisions | Significant Other Observable Inputs (Level 2) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 2,151,038 2,534,653
Corporate debt securities    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 2,165,845 2,765,982
Corporate debt securities | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 2,165,845 2,765,982
Corporate debt securities | Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 0 0
Corporate debt securities | Significant Other Observable Inputs (Level 2) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 2,165,845 2,765,982
ABS    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 128,495 150,710
ABS | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 128,495 150,710
ABS | Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 0 0
ABS | Significant Other Observable Inputs (Level 2) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 128,495 150,710
RMBS    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 202,640 309,110
RMBS | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 202,640 309,110
RMBS | Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 0 0
RMBS | Significant Other Observable Inputs (Level 2) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 202,640 309,110
CMBS    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 245,645 319,130
CMBS | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 245,645 319,130
CMBS | Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 0 0
CMBS | Significant Other Observable Inputs (Level 2) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 245,645 319,130
CLOs    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 325,498 360,939
CLOs | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 325,498 360,939
CLOs | Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 0 0
CLOs | Significant Other Observable Inputs (Level 2) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 325,498 360,939
Foreign government debt    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 3,572 13,650
Foreign government debt | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 3,572 13,650
Foreign government debt | Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 0 0
Foreign government debt | Significant Other Observable Inputs (Level 2) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 3,572 $ 13,650
Commercial paper    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 7,577  
Commercial paper | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 7,577  
Commercial paper | Quoted Prices in Active Markets for Identical Assets (Level 1) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value 0  
Commercial paper | Significant Other Observable Inputs (Level 2) | Fair Value, Recurring    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Fair Value $ 7,577  
XML 60 R49.htm IDEA: XBRL DOCUMENT v3.22.2.2
Fair Value Measurements - Assets and Liabilities Not Measured at Fair Value (Details) - USD ($)
$ in Thousands
Sep. 30, 2022
Dec. 31, 2021
Carrying Value    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Other invested assets $ 850 $ 3,100
FHLB Advance 0 155,000
9% Convertible Junior Subordinated Debentures 21,296 110,204
Total financial liabilities 662,653 1,146,712
Fair Value | Significant Other Observable Inputs (Level 2)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Other invested assets 850 3,100
FHLB Advance 0 157,585
9% Convertible Junior Subordinated Debentures 28,475 151,000
Total financial liabilities $ 609,406 1,251,673
Senior Notes | 5.75% Senior Notes Due 2023    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Stated interest rate 5.75%  
Senior Notes | 5.75% Senior Notes Due 2023 | Carrying Value    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Senior Notes Payable $ 0 241,255
Senior Notes | 5.75% Senior Notes Due 2023 | Fair Value | Significant Other Observable Inputs (Level 2)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Senior Notes Payable $ 0 256,213
Senior Notes | 5.25% Senior Notes Due 2028    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Stated interest rate 5.25%  
Senior Notes | 5.25% Senior Notes Due 2028 | Carrying Value    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Senior Notes Payable $ 641,357 640,253
Senior Notes | 5.25% Senior Notes Due 2028 | Fair Value | Significant Other Observable Inputs (Level 2)    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Senior Notes Payable $ 580,931 $ 686,875
9% Convertible Junior Subordinated Debentures    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]    
Stated interest rate 9.00%  
XML 61 R50.htm IDEA: XBRL DOCUMENT v3.22.2.2
Other Comprehensive Income (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]        
Total other comprehensive income (loss) $ (214,920) $ (27,389) $ (778,762) $ (87,565)
Income tax benefit (expense) 45,133 5,752 163,540 18,389
Other comprehensive income (loss), net of tax (169,787) (21,637) (615,222) (69,176)
Amounts Reclassified From Accumulated Other Comprehensive Income [Abstract]        
Total reclassifications before tax 314,267 199,732 849,597 583,217
Income tax benefit (expense) (64,642) (41,755) (175,691) (122,168)
Total reclassifications, net of tax 249,625 157,977 673,906 461,049
AOCI Attributable to Parent, Net of Tax [Roll Forward]        
Balance, beginning of period     4,861,382  
Other comprehensive income (loss) before reclassifications     (624,401)  
Less: Amounts reclassified from AOCI     (9,179)  
Balance, end of period 4,540,061 4,877,420 4,540,061 4,877,420
Reclassification from Accumulated Other Comprehensive Income        
Amounts Reclassified From Accumulated Other Comprehensive Income [Abstract]        
Total reclassifications before tax (12,909) 74 (11,619) 4,547
Income tax benefit (expense) 2,711 (15) 2,440 (954)
Total reclassifications, net of tax (10,198) 59 (9,179) 3,593
Accumulated other comprehensive income (loss)        
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]        
Other comprehensive income (loss), net of tax (169,787) (21,637) (615,222) (69,176)
AOCI Attributable to Parent, Net of Tax [Roll Forward]        
Balance, beginning of period (325,738) 169,282 119,697 216,821
Balance, end of period (495,525) 147,645 (495,525) 147,645
Net unrealized gains and (losses) on available-for-sale securities        
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]        
Total other comprehensive income (loss) (194,449) (34,937) (759,409) (97,057)
Income tax benefit (expense) 40,834 7,337 159,476 20,382
Other comprehensive income (loss), net of tax (153,615) (27,600) (599,933) (76,675)
AOCI Attributable to Parent, Net of Tax [Roll Forward]        
Balance, beginning of period     150,038  
Other comprehensive income (loss) before reclassifications     (603,309)  
Less: Amounts reclassified from AOCI     (3,376)  
Balance, end of period (449,895)   (449,895)  
Net unrealized gains and (losses) on available-for-sale securities | Reclassification from Accumulated Other Comprehensive Income        
Amounts Reclassified From Accumulated Other Comprehensive Income [Abstract]        
Total reclassifications before tax (6,681) 1,045 (4,273) 7,462
Income tax benefit (expense) 1,403 (219) 897 (1,566)
Total reclassifications, net of tax (5,278) 826 (3,376) 5,896
Net benefit plan assets and (obligations) recognized in shareholders' equity        
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]        
Total other comprehensive income (loss) (20,471) 7,548 (19,353) 9,492
Income tax benefit (expense) 4,299 (1,585) 4,064 (1,993)
Other comprehensive income (loss), net of tax (16,172) 5,963 (15,289) 7,499
AOCI Attributable to Parent, Net of Tax [Roll Forward]        
Balance, beginning of period     (30,341)  
Other comprehensive income (loss) before reclassifications     (21,092)  
Less: Amounts reclassified from AOCI     (5,803)  
Balance, end of period (45,630)   (45,630)  
Net benefit plan assets and (obligations) recognized in shareholders' equity | Reclassification from Accumulated Other Comprehensive Income        
Amounts Reclassified From Accumulated Other Comprehensive Income [Abstract]        
Total reclassifications before tax (6,228) (971) (7,346) (2,915)
Income tax benefit (expense) 1,308 204 1,543 612
Total reclassifications, net of tax $ (4,920) $ (767) $ (5,803) $ (2,303)
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Benefit Plans (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Pension and Supplemental Executive Retirement Plans        
Components of Net Periodic Benefit Cost [Abstract]        
Service cost $ 1,813 $ 1,908 $ 5,439 $ 5,724
Interest cost 2,863 2,794 8,588 8,383
Expected return on plan assets (4,907) (5,229) (14,723) (15,687)
Amortization of net actuarial losses (gains) 1,266 1,403 3,798 4,208
Amortization of prior service cost (credit) (57) (60) (163) (179)
Settlements and curtailments 5,671 4,732 5,671 4,732
Net periodic benefit cost (benefit) 6,649 5,548 8,610 7,181
Other Postretirement Benefit Plans        
Components of Net Periodic Benefit Cost [Abstract]        
Service cost 327 377 981 1,131
Interest cost 173 163 521 487
Expected return on plan assets (2,625) (2,216) (7,876) (6,647)
Amortization of net actuarial losses (gains) (776) (425) (2,328) (1,273)
Amortization of prior service cost (credit) 123 53 367 159
Settlements and curtailments 0 0 0 0
Net periodic benefit cost (benefit) $ (2,778) $ (2,048) (8,335) $ (6,143)
Pension Plan        
Components of Net Periodic Benefit Cost [Abstract]        
Company contribution to qualified pension plan     $ 6,300  
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Loss Reserves (Details)
$ in Thousands
 3 Months Ended 9 Months Ended
Sep. 30, 2022
USD ($)
loan
Sep. 30, 2021
loan
Sep. 30, 2022
USD ($)
loan
Sep. 30, 2021
USD ($)
loan
Dec. 31, 2021
USD ($)
Causes of Increase (Decrease) in Liability for Unpaid Claims and Claims Adjustment Expense [Line Items]          
Increase (decrease) in loss reserves     $ (280,152) $ 52,372  
Current year increase in reserves     104,086 95,534  
Prior years decrease in reserves     (327,512) $ (5,968)  
Premium refund liability, expected claim payments $ 28,100   $ 28,100   $ 37,300
Primary Delinquent Inventory [Roll Forward]          
Delinquent inventory at the beginning of period (in loans) | loan 26,855 42,999 33,290 57,710  
New notices (in loans) | loan 10,990 9,862 31,089 31,909  
Cures (in loans) | loan (11,494) (14,813) (37,371) (50,901)  
Paid claims (in loans) | loan (337) (298) (978) (956)  
Rescissions and denials (in loans) | loan (11) (11) (27) (23)  
Other items removed from inventory (in loans) | loan (125) (360) (125) (360)  
Delinquent inventory at end of period (in loans) | loan 25,878 37,379 25,878 37,379  
$1,000 Increase/Decrease In Average Severity Reserve Factor          
Causes of Increase (Decrease) in Liability for Unpaid Claims and Claims Adjustment Expense [Line Items]          
Increase (decrease) in loss reserves     $ 11,000    
One Percentage Point Increase/Decrease In Average Claim Rate Reserve Factor          
Causes of Increase (Decrease) in Liability for Unpaid Claims and Claims Adjustment Expense [Line Items]          
Increase (decrease) in loss reserves     15,000    
Increase (decrease) in estimated claim rate on primary defaults          
Causes of Increase (Decrease) in Liability for Unpaid Claims and Claims Adjustment Expense [Line Items]          
Prior years decrease in reserves     (324,556) $ (18,147)  
Increase (decrease) in estimated severity on primary defaults          
Causes of Increase (Decrease) in Liability for Unpaid Claims and Claims Adjustment Expense [Line Items]          
Prior years decrease in reserves     (18,682) (105)  
Change in estimates related to pool reserves, LAE reserves, reinsurance, and other          
Causes of Increase (Decrease) in Liability for Unpaid Claims and Claims Adjustment Expense [Line Items]          
Prior years decrease in reserves     $ 15,726 12,284  
Change in estimates related to IBNR reserves          
Causes of Increase (Decrease) in Liability for Unpaid Claims and Claims Adjustment Expense [Line Items]          
Current year increase in reserves       5,900  
Probable Loss On Litigation Claims Paying Practices          
Causes of Increase (Decrease) in Liability for Unpaid Claims and Claims Adjustment Expense [Line Items]          
Prior years decrease in reserves       $ 6,300  
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Loss Reserves - Reconciliation of Beginning and Ending Balances (Details) - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Loss Reserve [Roll Forward]    
Reserve at beginning of period $ 883,522 $ 880,537
Less reinsurance recoverable 66,905 95,042
Net reserve at beginning of period 816,617 785,495
Losses and LAE incurred in respect of delinquency notices received in:    
Current year 104,086 95,534
Prior years (327,512) (5,968)
Total losses incurred (223,426) 89,566
Losses and LAE paid in respect of delinquency notices received in:    
Current year 116 339
Prior years 36,089 48,842
Total losses paid 36,205 49,181
Net reserve at end of period 556,986 825,880
Plus reinsurance recoverable 46,384 107,029
Reserve at end of period $ 603,370 $ 932,909
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Loss Reserves - Delinquent Items (Details) - loan
Sep. 30, 2022
Jun. 30, 2022
Dec. 31, 2021
Sep. 30, 2021
Jun. 30, 2021
Dec. 31, 2020
Aging of the Primary Delinquent Inventory [Abstract]            
3 months or less (in loans) 7,825   7,586 6,948    
4 - 11 months (in loans) 7,619   7,990 9,371    
12 months or more (in loans) 10,434   17,714 21,060    
Total primary delinquent inventory (in loans) 25,878 26,855 33,290 37,379 42,999 57,710
3 months or less (as a percent) 30.00%   23.00% 19.00%    
4 - 11 months (as a percent) 30.00%   24.00% 25.00%    
12 months or more (as a percent) 40.00%   53.00% 56.00%    
Total primary delinquent inventory (as a percent) 100.00%   100.00% 100.00%    
Primary claims received inventory included in ending delinquent inventory (in loans) 244   211 154    
Percent of 12 months or more delinquent inventory, delinquent for more than 36 months (as a percent) 33.00%   20.00% 17.00%    
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Shareholders' Equity (Details) - USD ($)
$ / shares in Units, $ in Thousands, shares in Millions
 1 Months Ended 3 Months Ended 9 Months Ended 12 Months Ended
Oct. 27, 2022
Oct. 31, 2022
Aug. 31, 2022
May 31, 2022
Sep. 30, 2022
Sep. 30, 2021
Dec. 31, 2021
Jan. 01, 2021
Class of Stock [Line Items]                
Retained earnings         $ 3,843,060   $ 3,250,691  
Shares repurchased in period (in shares)         21.7   19.0  
Shares repurchased, weighted average price per share         $ 14.10   $ 15.30  
Remaining authorized repurchase amount         $ 194,000      
Repurchase of common stock         $ 303,060 $ 150,000    
Quarterly cash dividend paid (per share)     $ 0.10 $ 0.08        
Cash dividends     $ 30,500 $ 51,000        
Cumulative Effect, Period of Adoption, Adjustment                
Class of Stock [Line Items]                
Retained earnings               $ 68,300
Additional paid in capital               $ 68,300
Subsequent Event                
Class of Stock [Line Items]                
Shares repurchased in period (in shares)   2.6            
Repurchase of common stock   $ 33,200            
Quarterly cash dividend declared (per share) $ 0.10              
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Share-Based Compensation (Details) - $ / shares
shares in Thousands
 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
RSUs subject to performance conditions    
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]    
Granted (in shares) 848 966
Weighted Average Share Fair Value (in dollars per share) $ 15.46 $ 12.82
Share-based compensation arrangement, maximum vesting percent of shares granted 200.00%  
RSUs subject only to service conditions    
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]    
Granted (in shares) 319 398
Weighted Average Share Fair Value (in dollars per share) $ 15.45 $ 12.82
Non-employee director RSUs    
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]    
Granted (in shares) 104 0
Weighted Average Share Fair Value (in dollars per share) $ 15.32 $ 0
Minimum    
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]    
Award vesting period (in years) 1 year  
Maximum    
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]    
Award vesting period (in years) 3 years  
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Statutory Information (Details)
$ in Millions
 9 Months Ended
Nov. 01, 2022
USD ($)
Sep. 30, 2022
USD ($)
jurisdiction
Statutory capital requirements [Abstract]    
Number of jurisdictions with risk-to-capital requirements (in jurisdictions) | jurisdiction   16
Maximum permitted risk-to-capital ratio commonly applied   25 to 1
Mortgage Guaranty Insurance Corporation    
Statutory capital requirements [Abstract]    
Maximum risk-to-capital ratio   25
Risk to capital ratio at end of period   9.4 to 1
Risk-to-capital ratio   9.4
Amount of policyholders position above or below required MPP   $ 3,700
Amount of required MPP   2,000
Dividend paid to the holding company   $ 400
Percentage of statutory policyholders surplus used to determine maximum allowable dividends (as a percent)   10.00%
Adjusted statutory net income measurement period (in years)   3 years
Adjusted statutory net income dividend payment measurement period (in years)   2 years
Mortgage Guaranty Insurance Corporation | Subsequent Event    
Statutory capital requirements [Abstract]    
Dividend paid to the holding company $ 400  
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Statutory Information - Summary of Amounts Disclosed Under Statutory Accounting Practices (Details) - USD ($)
$ in Thousands
 9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Statutory Capital [Abstract]    
Statutory net income $ 284,084 $ 194,614
Statutory policyholders' surplus 1,231,992 1,354,268
Contingency reserve $ 4,533,371 $ 3,987,786
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MGIC Assurance Corporation (“MAC”) and MGIC Indemnity Corporation (“MIC”), insurance subsidiaries of MGIC, provide insurance for certain mortgages under Fannie Mae and Freddie Mac (the “GSEs”) credit risk transfer programs.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The accompanying unaudited consolidated financial statements of MGIC Investment Corporation and its wholly-owned subsidiaries have been prepared in accordance with the instructions to Form 10-Q as prescribed by the Securities and Exchange Commission (“SEC”) for interim reporting and do not include all of the other information and disclosures required by accounting principles generally accepted in the United States of America (“GAAP”). These statements should be read in conjunction with the consolidated financial statements and notes thereto for the year ended December 31, 2021 included in our 2021 Annual Report on Form 10-K. As used below, “we,” “our” and “us” refer to MGIC Investment Corporation’s consolidated operations or to MGIC Investment Corporation, as the context requires.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In the opinion of management, the accompanying financial statements include all adjustments, consisting primarily of normal recurring accruals, necessary to fairly state our consolidated financial position and consolidated results of operations for the periods indicated. The consolidated results of operations for an interim period are not necessarily indicative of the results that may be expected for the year ending December 31, 2022.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The substantial majority of our NIW has been for loans purchased by the GSEs. The current private mortgage insurer eligibility requirements ("PMIERs") of the GSEs include financial requirements, as well as business, quality control and certain transactional approval requirements. The financial requirements of the PMIERs require a mortgage insurer’s "Available Assets" (generally only the most liquid assets of an insurer) to equal or exceed its "Minimum Required Assets" (which are based on an insurer's book of risk in force, calculated from tables of factors with several risk dimensions). Based on our application of the PMIERs, as of September 30, 2022, MGIC’s Available Assets are in excess of its Minimum Required Assets; and MGIC is in compliance with the PMIERs and eligible to insure loans purchased by the GSEs.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Reclassifications</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Certain prior period amounts have been reclassified to conform to the current year presentation.</span></div><div style="text-align:justify"><span><br/></span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Subsequent events</span></div>We have considered subsequent events through the date of this filing. <div style="margin-bottom:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Reclassifications</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Certain prior period amounts have been reclassified to conform to the current year presentation.</span></div> Significant Accounting Policies<div style="margin-bottom:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Taxes</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Inflation Reduction Act of 2022 includes provisions for a 1% excise tax on net stock repurchases and a 15% corporate minimum tax. Both of these taxes are effective in 2023. We do not expect these tax provisions to have a material impact on our Consolidated Financial Statements.</span></div><div><span><br/></span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Prospective Accounting Standards</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Table 2.1 shows the relevant new amendments to accounting standards, which are not yet effective or adopted.</span></div><div style="margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:8.095%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.647%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:56.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.890%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Standard / Interpretation</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="6" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2.1</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amended Standards</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Effective date</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ASC 944</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Long-Duration Contracts</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">•</span></td><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">ASU 2018-12 - Financial Services - Insurance (Topic 944): Targeted Improvements to the Accounting for Long-Duration Contracts</span></td><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2023</span></td></tr></table></div><div style="margin-bottom:3pt;margin-top:6pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Targeted Improvements for Long Duration Contracts: ASU 2018-12</span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In August 2018, the Financial Accounting Standards Board (“FASB”) issued guidance which simplifies the amortization of deferred insurance policy acquisition costs. It also provides updates to the recognition, measurement, presentation and disclosure requirements for long duration contracts, which generally do not apply to mortgage insurance. The updated guidance requires deferred acquisition costs to be amortized on a constant level basis over the expected term of the related contracts, versus in proportion to premium, gross profits, or gross margins. In November 2020, FASB issued ASU 2020-11 deferring the effective date, so that it applies for annual periods beginning after December 15, 2022, including interim periods within those annual periods.</span><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We are currently evaluating the impacts the adoption of this guidance will have on our consolidated financial statements, but do not expect it to have a material impact.</span></div> <div style="margin-bottom:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Prospective Accounting Standards</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Table 2.1 shows the relevant new amendments to accounting standards, which are not yet effective or adopted.</span></div><div style="margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:8.095%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.647%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:56.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.890%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Standard / Interpretation</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="6" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2.1</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amended Standards</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Effective date</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ASC 944</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Long-Duration Contracts</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">•</span></td><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">ASU 2018-12 - Financial Services - Insurance (Topic 944): Targeted Improvements to the Accounting for Long-Duration Contracts</span></td><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2023</span></td></tr></table></div><div style="margin-bottom:3pt;margin-top:6pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Targeted Improvements for Long Duration Contracts: ASU 2018-12</span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In August 2018, the Financial Accounting Standards Board (“FASB”) issued guidance which simplifies the amortization of deferred insurance policy acquisition costs. It also provides updates to the recognition, measurement, presentation and disclosure requirements for long duration contracts, which generally do not apply to mortgage insurance. The updated guidance requires deferred acquisition costs to be amortized on a constant level basis over the expected term of the related contracts, versus in proportion to premium, gross profits, or gross margins. In November 2020, FASB issued ASU 2020-11 deferring the effective date, so that it applies for annual periods beginning after December 15, 2022, including interim periods within those annual periods.</span><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We are currently evaluating the impacts the adoption of this guidance will have on our consolidated financial statements, but do not expect it to have a material impact.</span></div> <div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Table 2.1 shows the relevant new amendments to accounting standards, which are not yet effective or adopted.</span></div><div style="margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:8.095%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.647%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:3.497%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:56.371%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:21.890%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Standard / Interpretation</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="6" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">2.1</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amended Standards</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Effective date</span></td></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ASC 944</span></td><td colspan="6" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Long-Duration Contracts</span></td><td colspan="3" style="border-top:1pt solid #000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">•</span></td><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">ASU 2018-12 - Financial Services - Insurance (Topic 944): Targeted Improvements to the Accounting for Long-Duration Contracts</span></td><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2023</span></td></tr></table></div> Debt<div style="margin-bottom:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Debt obligations</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The aggregate carrying values of our long-term debt obligations and their par values, if different, as of September 30, 2022 and December 31, 2021 are presented in table 3.1 below.</span></div><div style="margin-top:5pt;padding-left:13.5pt;text-indent:-13.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.260%"><tr><td style="width:1.0%"/><td style="width:10.699%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:39.017%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.274%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:22.498%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.274%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.438%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Long-term debt obligations</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">3.1</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In millions)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2022</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FHLB Advance - 1.91%, due February 2023</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155.0 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.75% Notes, due August 2023</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">241.3 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.25% Notes, due August 2028 (par value: $650 million)</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">641.4</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">640.2 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9% Debentures, due April 2063 </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">21.3</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110.2 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Long-term debt, carrying value</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">662.7</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,146.7 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8pt">Convertible at any time prior to maturity at the holder’s option, at a conversion rate, which is subject to adjustment, of 76.5496 shares per $1,000 principal amount, representing a conversion price of approximately $13.06 per share. The payment of dividends by our holding company results in adjustments to the conversion rate, with such adjustments generally deferred until the end of the year.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The 5.25% Senior Notes (5.25% Notes) and 9% Convertible Junior Subordinated Debentures (“9% Debentures”) are obligations of our holding company, MGIC Investment Corporation. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">During the nine months ending September 30, 2022, we repurchased $88.9 million in aggregate principal amount of our 9% Debentures at a purchase price of $120.9 million plus accrued interest. The repurchase of our 9% Debentures resulted in a $32.0 million loss on debt extinguishment on our consolidated statement of operations and a reduction of approximately 6.8 million potentially dilutive shares.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Federal Home Loan Bank Advance (the “FHLB Advance”) was an obligation of MGIC. In the first quarter of 2022, we repaid the outstanding principal balance of the FHLB Advance at a prepayment price of $156.3 million, incurring a prepayment fee of $1.3 million.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In July 2022, we redeemed the outstanding principal balance of the 5.75% Senior Notes (“5.75% Notes”) at a purchase price of $248.4 million plus accrued interest. The excess of the purchase price over the carrying value, plus the write-off of unamortized issuance costs on the par value, resulted in a $6.8 million loss on debt extinguishment. The 5.75% Notes were an obligation of our holding company.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">See Note 7 - “Debt” in our Annual Report on Form 10-K for the year ended December 31, 2021 for additional information pertaining to our debt obligations. As of September 30, 2022 we are in compliance with all of our debt covenants.</span></div><div style="text-align:justify"><span><br/></span></div><div style="margin-bottom:3pt"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:115%">Interest payments</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Interest payments for the nine months ended September 30, 2022 and 2021 were $52.7 million and $60.0 million, respectively.</span></div> <div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The aggregate carrying values of our long-term debt obligations and their par values, if different, as of September 30, 2022 and December 31, 2021 are presented in table 3.1 below.</span></div><div style="margin-top:5pt;padding-left:13.5pt;text-indent:-13.5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:98.260%"><tr><td style="width:1.0%"/><td style="width:10.699%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:39.017%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.274%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:22.498%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.274%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.438%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Long-term debt obligations</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">3.1</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In millions)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2022</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FHLB Advance - 1.91%, due February 2023</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155.0 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.75% Notes, due August 2023</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">241.3 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.25% Notes, due August 2028 (par value: $650 million)</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">641.4</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">640.2 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9% Debentures, due April 2063 </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">21.3</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110.2 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Long-term debt, carrying value</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">662.7</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,146.7 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8pt">Convertible at any time prior to maturity at the holder’s option, at a conversion rate, which is subject to adjustment, of 76.5496 shares per $1,000 principal amount, representing a conversion price of approximately $13.06 per share. The payment of dividends by our holding company results in adjustments to the conversion rate, with such adjustments generally deferred until the end of the year.</span></div> 0 155000000.0 0 241300000 641400000 640200000 21300000 110200000 662700000 1146700000 1000 13.06 0.0525 0.09 0.09 88900000 120900000 -32000000 6800000 156300000 -1300000 0.0575 248400000 -6800000 52700000 60000000 Reinsurance<div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The reinsurance agreements to which we are a party, are discussed below. The effect of all of our reinsurance agreements on premiums earned and losses incurred is shown in table 4.1 below.</span></div><div style="margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.316%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.038%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.566%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.566%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.566%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.572%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Reinsurance</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">4.1</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine Months Ended September 30,</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Premiums earned:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Direct</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">289,072</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">287,223 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">864,191</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">876,541 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assumed </span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,254</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,660 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">6,501</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,551 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12.75pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ceded - quota share reinsurance </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(19,348)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22,911)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(56,721)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(90,284)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ceded - excess-of-loss reinsurance</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(19,867)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12,128)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(50,923)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32,380)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total ceded</span></td><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(39,215)</span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(35,039)</span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(107,644)</span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(122,664)</span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net premiums earned</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">252,111</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">254,844 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">763,048</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">761,428 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="6" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Losses incurred:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Direct</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(112,435)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,265 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(242,861)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">103,319 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assumed</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">21</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(97)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(340)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(43)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ceded - quota share reinsurance</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">7,360</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,598 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">19,775</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,710)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Losses incurred, net</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(105,054)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,766 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(223,426)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89,566 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Reinsurance Impacts:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Profit commission on quota share reinsurance </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">47,255</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45,078 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">135,049</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">108,000 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="6" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ceding commission on quota share reinsurance</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">13,321</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,599 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">38,355</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,657 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/></tr></table></div><div style="margin-top:3pt;padding-left:13.5pt;text-align:justify;text-indent:-13.5pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.5pt">Ceded premiums earned net of profit commission.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Ceded losses incurred for the three and nine months ended September 30, 2022 primarily reflects favorable loss reserve development. See </span><span style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a href="#i68f57590f7b74a69a6e54f6c5b591653_85" style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">Note 11 - “Loss Reserves”</a></span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> for discussion of our loss reserves. </span></div><div style="margin-bottom:3pt;margin-top:6pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Quota share reinsurance</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We have entered into quota share reinsurance ("QSR") transactions with panels of third-party reinsurers to cede a fixed quota share percentage of premiums earned and received and losses incurred on insurance covered by the transactions. We receive the benefit of a ceding commission equal to 20% of premiums ceded before profit commission. We also receive the benefit of a profit commission through a reduction of premiums we cede. The profit commission varies inversely with the level of losses on a “dollar for dollar” basis and can be eliminated at annual loss ratios higher than we have experienced on our QSR Transactions. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Each of our QSR Transactions typically have annual loss ratio caps of 300% and lifetime loss ratios of 200%</span><span style="color:#000000;font-family:'Franklin Gothic Book',sans-serif;font-size:9pt;font-weight:400;line-height:120%">.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Table 4.2 below provides additional detail regarding our QSR Transactions.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:47.916%"><div style="text-align:justify"><span><br/></span></div></div><div style="display:inline-block;max-width:4.166%;min-width:3.166%;vertical-align:top"/><div style="display:inline-block;vertical-align:top;width:47.918%"/></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.038%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.677%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.983%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.155%"/><td style="width:0.1%"/></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Quota Share Reinsurance</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">4.2</span></td><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Quota Share Contract</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Covered Policy Years</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Quota Share %</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Annual Loss Ratio to Exhaust Profit Commission </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Contractual Termination Date</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.5pt solid #000000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2015 QSR</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior to 2017</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.0 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68.0 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2031</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2019 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2019</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30.0 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62.0 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2030</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020 QSR </span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.5 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62.0 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2031</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020 QSR and 2021 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.5 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62.0 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2032</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020 QSR and 2021 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.5 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61.9 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2032</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021 QSR and 2022 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.5 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57.5 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2032</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021 QSR and 2022 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.0 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57.5 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2033</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022 QSR and 2023 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.0 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62.0 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2033</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022 QSR and 2023 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.0 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62.0 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2034</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit Union QSR </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="6" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020-2025</span></td><td colspan="2" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65.0 </span></td><td style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50.0 </span></td><td style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2039</span></td></tr></table></div><div style="margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.85pt;font-weight:400;line-height:120%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">We will receive a profit commission provided the annual loss ratio on policies covered under the transaction remains below this ratio. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.85pt;font-weight:400;line-height:120%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Eligible credit union business written before April 1, 2020 was covered by our 2019 and 2015 QSR Transactions.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We can elect to terminate the QSR Transactions under specified scenarios without penalty upon prior written notice, including if we will receive less than 90% (80% for the Credit Union QSR Transaction) of the full credit amount under the PMIERs, full financial statement credit or full credit under applicable regulatory capital requirements for the risk ceded in any required calculation period. </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Table 4.3 provides additional detail regarding optional termination dates and optional reductions to our quota share percentage which can, in each case, be elected by us for a fee. Under the optional reduction to the quota share percentage, we may reduce our quota share percentage from the original percentage shown in table 4.2 to the percentage shown in table 4.3. </span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:47.916%"><div style="text-align:justify"><span><br/></span></div></div><div style="display:inline-block;max-width:4.166%;min-width:3.166%;vertical-align:top"/><div style="display:inline-block;vertical-align:top;width:47.918%"/></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:19.872%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.038%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.038%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.427%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.320%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Quota Share Reinsurance</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">4.3</span></td><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/></tr><tr style="height:6pt"><td colspan="6" style="padding:0 1pt"/><td colspan="15" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Quota Share Contract</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Covered Policy Years</span></td><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Optional Termination Date </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Optional Quota Share % Reduction Date </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Optional Reduced Quota Share %</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2015 QSR</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior to 2017</span></td><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.5pt solid #000000;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">NA</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">NA</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2019 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2019</span></td><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2023</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25% or 20%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020 QSR </span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020</span></td><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2023</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.5% or 8% </span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020 QSR and 2021 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020</span></td><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2023</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.5% or 12%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020 QSR and 2021 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2023</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.5% or 12%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021 QSR and 2022 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2023</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.5% or 8%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021 QSR and 2022 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2024</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">July 1, 2023</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.5% or 10%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022 QSR and 2023 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2024</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">July 1, 2023</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.5% or 10%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022 QSR and 2023 QSR</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="6" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2025</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">July 1, 2024</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.5% or 10%</span></td></tr></table></div><div style="padding-left:13.5pt;text-align:justify;text-indent:-13.5pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1) We can elect early termination of the QSR Transaction beginning on this date, and bi-annually thereafter. </span></div><div style="margin-top:3pt;padding-left:13.5pt;text-align:justify;text-indent:-13.5pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2) We can elect to reduce the quota share percentage beginning on this date, and bi-annually thereafter. </span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:47.916%"><div style="text-align:justify"><span><br/></span></div></div><div style="display:inline-block;max-width:4.166%;min-width:3.166%;vertical-align:top"/><div style="display:inline-block;vertical-align:top;width:47.918%"><div style="text-align:justify"><span><br/></span></div></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We have elected to terminate our 2015 QSR and 2019 QSR Transactions effective December 31, 2022. See Note 9 “Reinsurance” in our Annual Report on Form 10-K for the year ended December 31, 2021 for information about the termination of our 2017 and 2018 QSR Transactions, which resulted in a reinsurance recoverable on paid losses of $36 million for loss and loss adjustment expenses (“LAE”) reserves incurred at the time of termination.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Under the terms of our QSR Transactions, ceded premiums earned, ceding commissions, profit commission, and ceded paid loss and LAE are settled net on a quarterly basis. The ceded premiums earned due after deducting the related ceding commission and profit commission is reported within Other liabilities on the consolidated balance sheets. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The reinsurance recoverable on loss reserves related to our QSR Transactions was $46.4 million as of September 30, 2022 and $66.9 million as of December 31, 2021. The reinsurance recoverable balance is secured by funds on deposit from reinsurers, the minimum amount of which is based on the greater of 1) a reinsurer's funding requirements under PMIERs or 2) ceded reserves and unpaid losses. Each of the reinsurers under our quota share reinsurance agreements described above has an insurer financial strength rating of A- or better (or a comparable rating) by Standard and Poor's Rating Services, A.M. Best, Moody's, or a combination of the three.</span></div><div style="text-align:justify"><span><br/></span></div><div style="margin-bottom:3pt;margin-top:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Excess of loss reinsurance</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We have Excess-of-loss transactions (“XOL Transactions”) with a panel of unaffiliated reinsurers executed through the traditional reinsurance market (“Traditional XOL Transaction”) and with unaffiliated special purpose insurers (“Home Re Transactions”).</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Traditional XOL Transaction provides up to $175 million of reinsurance coverage on eligible NIW in 2022. The Traditional XOL Transaction has a contractual termination date after approximately ten years, with an optional termination date after seven years and quarterly thereafter. For the covered policies, we retain the first layer of the aggregate losses paid, and the reinsurers will then provide second layer coverage up to the outstanding reinsurance coverage amount. We retain losses paid in excess of the outstanding reinsurance coverage amount. The reinsurance coverage is subject to adjustment based on the risk characteristics of the covered loans. The reinsurance premiums ceded to the Traditional XOL Transaction are based off the remaining reinsurance coverage levels. The reinsured coverage levels are secured by funds on deposit from reinsurers, the minimum amount of which is based on the greater of 1) a reinsurer's funding requirements under PMIERs or 2) ceded reserves and unpaid losses. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Home Re Transactions are executed with unaffiliated special purpose insurers (“Home Re Entities”). For the reinsurance coverage periods, we retain the first layer of the respective aggregate losses paid, and a Home Re Entity will then provide second layer coverage up to the outstanding reinsurance coverage amount. We retain losses paid in excess of the outstanding reinsurance coverage amount. Subject to certain conditions, the reinsurance coverage decreases over a period of either 10 or 12.5 years, depending on the transaction, as the underlying covered mortgages amortize or are repaid, or mortgage insurance losses are paid. </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Home Re Entities financed the coverages by issuing mortgage insurance-linked notes (“ILNs”) to unaffiliated investors in an aggregate amount equal to the initial reinsurance coverage amounts. Each ILN is non-recourse to any assets of MGIC or affiliates. The proceeds of the ILNs, which were deposited into reinsurance trusts for the benefit of MGIC, will be the source of reinsurance claim payments to MGIC and principal repayments on the ILNs. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">When a “Trigger Event” is in effect, as defined in the related insurance-linked notes transaction agreements, payment of principal on the related notes will be suspended and the reinsurance coverage available to MGIC under the transactions will not be reduced by such principal payments. As of September 30, 2022 a "Trigger Event" has occurred on our Home Re 2019-1 ILN transaction because the reinsured principal balance of loans that were reported 60 or more days delinquent exceeded a percentage of the total reinsured principal balance of loans specified under each transaction. A "Trigger Event" has also occurred on the Home Re 2022-1 ILN transactions because the credit enhancement of the most senior tranche is less than the target credit enhancement. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tables 4.4a and 4.4b provide a summary of our Home Re Transactions as of September 30, 2022 and December 31, 2021.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:16.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.594%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.427%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.427%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.847%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Excess of Loss Reinsurance - Home Re Transactions</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">4.4a</span></td><td colspan="3" style="border-top:0.5pt solid #cceeff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cceeff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cceeff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cceeff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cceeff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:100%">($ in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Issue Date</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Policy In force Dates</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Optional Call Date (1)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Legal Maturity</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Initial First Layer Retention</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Initial Excess of Loss Reinsurance Coverage</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2022-1, Ltd.</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">April 26, 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">May 29, 2021 - December 31, 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">April 25, 2028</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.5 years</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$325,589</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$473,575</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2021-2, Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">August 3, 2021</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2021 - May 28, 2021</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">July 25, 2028</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.5 years</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">190,159</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,429</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2021-1, Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">February 2, 2021</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">August 1, 2020 - December 31, 2020</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 25, 2028</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.5 years</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">211,159</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,848</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2020-1, Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">October 29, 2020</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2020 - July 31, 2020</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">October 25, 2027</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 years</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">275,283</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">412,917</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2019-1, Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">May 25, 2019</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2018 - March 31, 2019</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">May 25, 2026</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 years</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">185,730</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">315,739</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2018-1, Ltd.</span></td><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">October 30, 2018</span></td><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">July 1, 2016 - December 31, 2017</span></td><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">October 25, 2025</span></td><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 years</span></td><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">168,691</span></td><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">318,636</span></td></tr></table></div><div style="margin-top:3pt;padding-left:13.5pt;text-align:justify;text-indent:-13.5pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1) We have the right to terminate the Home Re Transactions under certain circumstances and on any payment date on or after the respective Optional Call Date. </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:16.122%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.772%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.622%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.772%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.622%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.772%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.622%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.772%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.624%"/><td style="width:0.1%"/></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">4.4b</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Remaining First Layer Retention</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Remaining Excess of Loss Reinsurance Coverage</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:100%">($ in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2022</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2022</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2021</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2022-1, Ltd.</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">325,589</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">473,575</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2021-2, Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">190,135</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">190,159 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">367,702</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,429 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2021-1, Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">211,117</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">211,142 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">306,243</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">387,830 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2020-1, Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">275,154</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">275,204 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">133,120</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">234,312 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2019-1, Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">183,691</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">183,917 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">208,146</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208,146 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2018-1, Ltd.</span></td><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">165,028</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">165,365 </span></td><td style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">162,305</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">218,343 </span></td><td style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The reinsurance premiums ceded to each Home Re Entity are composed of coverage, initial expense and supplemental premiums. The coverage premiums are generally calculated as the difference between the amount of interest payable by the Home Re Entity on the remaining reinsurance coverage levels, and the investment income collected on the collateral assets held in a reinsurance trust account and used to collateralize the Home Re Entity’s reinsurance obligation to MGIC. The amount of monthly reinsurance coverage premium ceded on the Home Re Transactions will fluctuate due to changes in the reference rate and changes in money market rates that affect investment income collected on the assets in the reinsurance trust. The Home Re 2021-2 and Home Re 2022-1 Transactions reference SOFR, while the remaining Home Re Transactions reference one-month LIBOR. As a result, we concluded that each Home Re Transaction contains an embedded derivative that is accounted for separately as a freestanding derivative. The fair values of the derivatives at September 30, 2022, were not material to our consolidated balance sheet and the changes in fair value during the three and nine months ended September 30, 2022 were not material to our consolidated statements of operations. (See </span><span style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a href="#i68f57590f7b74a69a6e54f6c5b591653_67" style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">Note </a><a href="#i68f57590f7b74a69a6e54f6c5b591653_67" style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">7 - </a><a href="#i68f57590f7b74a69a6e54f6c5b591653_67" style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">“</a><a href="#i68f57590f7b74a69a6e54f6c5b591653_67" style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">Investments</a><a href="#i68f57590f7b74a69a6e54f6c5b591653_67" style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">”</a></span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> and </span><span style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a href="#i68f57590f7b74a69a6e54f6c5b591653_43" style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">Note 8 - “Fair Value Measurements</a></span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">”.) </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">At the time the Home Re Transactions were entered into, we concluded that each Home Re Entity is a variable interest entity (“VIE”). A VIE is a legal entity that does not have sufficient equity at risk to finance its activities without additional subordinated financial support or is structured such that equity investors lack the ability to make sufficient decisions relating to the entity’s operations through voting rights or do not substantively participate in gains and losses of the entity. Given that MGIC (1) does not have the unilateral power to direct the activities that most significantly affect each Home Re Entity’s economic performance and (2) does not have the obligation to absorb losses or the right to receive benefits of each Home Re Entity that could be significant to the Home Re Entity, consolidation of the Home Re Entities is not required.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We are required to disclose our maximum exposure to loss, which we consider to be an amount that we could be required to record in our statements of operations, as a result of our involvement with the VIEs under our Home Re Transactions. As of September 30, 2022, and December 31, 2021, we did not have material exposure to the VIEs as we have no investment in the VIEs and had no reinsurance claim payments due from the VIEs under our reinsurance transactions. We are unable to determine the timing or extent of claims from losses that are ceded under the reinsurance transactions. The VIE assets are deposited in reinsurance trusts for the benefit of MGIC that will be the source of reinsurance claim payments to MGIC. The purpose of the reinsurance trusts is to provide security to MGIC for the obligations of the VIEs under the reinsurance transactions. The trustee of the reinsurance trusts, a recognized provider of corporate trust services, has established segregated accounts within the reinsurance trusts for the benefit of MGIC, pursuant to the trust agreements. The trust agreements are governed by, and construed in accordance with, the laws of the State of New York. If the trustee of the reinsurance trusts failed to distribute claim payments to us as provided in the reinsurance trusts, we would incur a loss related to our losses ceded under the reinsurance transactions and deemed unrecoverable. We are also unable to determine the impact such possible failure by the trustee to perform pursuant to the reinsurance trust agreements may have on our consolidated financial statements. As a result, we are unable to quantify our maximum exposure to loss related to our </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">involvement with the VIEs. MGIC has certain termination rights under the reinsurance transactions should its claims not be paid. We consider our exposure to loss from our reinsurance transactions with the VIEs to be remote.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Table 4.5 presents the total assets of the Home Re Entities as of September 30, 2022 and December 31, 2021.</span></div><div style="margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:10.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:44.697%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.249%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:40.060%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re total assets</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">4.5</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re Entity</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total VIE Assets</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">September 30, 2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2022-1 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">473,575</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2021-2 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">372,715</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2021-1 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">317,891</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2020-1 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">141,508</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2019-1 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">208,146</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2018-1 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">169,157</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:5pt"><td colspan="6" style="border-bottom:0.5pt solid #000;padding:0 1pt"/><td colspan="6" style="padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline">December 31, 2021</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2021-2 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,429 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2021-1 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,848 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2020-1 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">251,387 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2019-1 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208,146 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2018-1 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">218,343 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:5pt"><td colspan="6" style="border-bottom:0.5pt solid #000;padding:0 1pt"/><td colspan="6" style="border-bottom:0.5pt solid #000;padding:0 1pt"/></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The reinsurance trust agreements provide that the trust assets may generally only be invested in certain money market funds that (i) invest at least 99.5% of their total assets in cash or direct U.S. federal government obligations, such as U.S. Treasury bills, as well as other short-term securities backed by the full faith and credit of the U.S. federal government or issued by an agency of the U.S. federal government, (ii) have a principal stability fund rating of “AAAm” by S&amp;P or a money market fund rating of “Aaamf” by Moody’s as of the Closing Date and thereafter maintain any rating with either S&amp;P or Moody’s, and (iii) are permitted investments under the applicable credit for reinsurance laws and applicable PMIERs credit for reinsurance requirements.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The total calculated PMIERs credit for risk ceded under our XOL Transactions are generally based on the PMIERs requirement of the covered policies and the attachment and detachment points of the coverage, all of which fluctuate over time. (See </span><span style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a href="#i68f57590f7b74a69a6e54f6c5b591653_43" style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">Note 1 - “Nature of Business and Basis of Presentation”</a></span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">.)</span></div> The effect of all of our reinsurance agreements on premiums earned and losses incurred is shown in table 4.1 below.<div style="margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.316%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:24.038%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.566%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.566%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.566%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.572%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Reinsurance</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">4.1</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine Months Ended September 30,</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Premiums earned:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Direct</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">289,072</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">287,223 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">864,191</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">876,541 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assumed </span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,254</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,660 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">6,501</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,551 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12.75pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ceded - quota share reinsurance </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(19,348)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(22,911)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(56,721)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(90,284)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 13.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ceded - excess-of-loss reinsurance</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(19,867)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12,128)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(50,923)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(32,380)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total ceded</span></td><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(39,215)</span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(35,039)</span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(107,644)</span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(122,664)</span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net premiums earned</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">252,111</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">254,844 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">763,048</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">761,428 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="6" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Losses incurred:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Direct</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(112,435)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,265 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(242,861)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">103,319 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Assumed</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">21</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(97)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(340)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(43)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ceded - quota share reinsurance</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">7,360</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,598 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">19,775</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,710)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Losses incurred, net</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(105,054)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,766 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(223,426)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89,566 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Reinsurance Impacts:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Profit commission on quota share reinsurance </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">47,255</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">45,078 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">135,049</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">108,000 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="6" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Ceding commission on quota share reinsurance</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">13,321</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,599 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">38,355</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">39,657 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/></tr></table></div><div style="margin-top:3pt;padding-left:13.5pt;text-align:justify;text-indent:-13.5pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:3.5pt">Ceded premiums earned net of profit commission.</span></div> 289072000 287223000 864191000 876541000 2254000 2660000 6501000 7551000 19348000 22911000 56721000 90284000 19867000 12128000 50923000 32380000 39215000 35039000 107644000 122664000 252111000 254844000 763048000 761428000 -112435000 17265000 -242861000 103319000 21000 -97000 -340000 -43000 -7360000 -7360000 -3598000 -3598000 -19775000 -19775000 13710000 13710000 -105054000 20766000 -223426000 89566000 47255000 45078000 135049000 108000000 13321000 13599000 38355000 39657000 0.20 3 2 <div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Table 4.2 below provides additional detail regarding our QSR Transactions.</span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:47.916%"><div style="text-align:justify"><span><br/></span></div></div><div style="display:inline-block;max-width:4.166%;min-width:3.166%;vertical-align:top"/><div style="display:inline-block;vertical-align:top;width:47.918%"/></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.038%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.677%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.983%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.155%"/><td style="width:0.1%"/></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Quota Share Reinsurance</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">4.2</span></td><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/></tr><tr style="height:3pt"><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Quota Share Contract</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Covered Policy Years</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Quota Share %</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Annual Loss Ratio to Exhaust Profit Commission </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Contractual Termination Date</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.5pt solid #000000;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2015 QSR</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior to 2017</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.0 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">68.0 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2031</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2019 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2019</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">30.0 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62.0 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2030</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020 QSR </span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.5 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62.0 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2031</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020 QSR and 2021 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.5 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62.0 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2032</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020 QSR and 2021 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17.5 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">61.9 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2032</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021 QSR and 2022 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.5 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57.5 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2032</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021 QSR and 2022 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.0 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57.5 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2033</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022 QSR and 2023 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.0 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62.0 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2033</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 13pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022 QSR and 2023 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15.0 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">62.0 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2034</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:12pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Credit Union QSR </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="6" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020-2025</span></td><td colspan="2" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">65.0 </span></td><td style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">50.0 </span></td><td style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2039</span></td></tr></table></div><div style="margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.85pt;font-weight:400;line-height:120%;position:relative;top:-3.15pt;vertical-align:baseline">(1)</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">We will receive a profit commission provided the annual loss ratio on policies covered under the transaction remains below this ratio. </span></div><div style="padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.85pt;font-weight:400;line-height:120%;position:relative;top:-3.15pt;vertical-align:baseline">(2)</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">Eligible credit union business written before April 1, 2020 was covered by our 2019 and 2015 QSR Transactions.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Table 4.3 provides additional detail regarding optional termination dates and optional reductions to our quota share percentage which can, in each case, be elected by us for a fee. Under the optional reduction to the quota share percentage, we may reduce our quota share percentage from the original percentage shown in table 4.2 to the percentage shown in table 4.3. </span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:47.916%"><div style="text-align:justify"><span><br/></span></div></div><div style="display:inline-block;max-width:4.166%;min-width:3.166%;vertical-align:top"/><div style="display:inline-block;vertical-align:top;width:47.918%"/></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:19.872%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.011%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.038%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.038%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.427%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:19.320%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Quota Share Reinsurance</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">4.3</span></td><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/></tr><tr style="height:6pt"><td colspan="6" style="padding:0 1pt"/><td colspan="15" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Quota Share Contract</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Covered Policy Years</span></td><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Optional Termination Date </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Optional Quota Share % Reduction Date </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:700;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Optional Reduced Quota Share %</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2015 QSR</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior to 2017</span></td><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.5pt solid #000000;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">NA</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">NA</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2019 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2019</span></td><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2023</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25% or 20%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020 QSR </span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020</span></td><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2023</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.5% or 8% </span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020 QSR and 2021 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020</span></td><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2022</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2023</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.5% or 12%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2020 QSR and 2021 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2023</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">14.5% or 12%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021 QSR and 2022 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2023</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2023</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10.5% or 8%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021 QSR and 2022 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2024</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">July 1, 2023</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.5% or 10%</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022 QSR and 2023 QSR</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2024</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">July 1, 2023</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.5% or 10%</span></td></tr><tr><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022 QSR and 2023 QSR</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2023</span></td><td colspan="6" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 7.75pt 2px 1pt;text-align:right;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2025</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">July 1, 2024</span></td><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.5% or 10%</span></td></tr></table></div><div style="padding-left:13.5pt;text-align:justify;text-indent:-13.5pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1) We can elect early termination of the QSR Transaction beginning on this date, and bi-annually thereafter. </span></div>(2) We can elect to reduce the quota share percentage beginning on this date, and bi-annually thereafter. 0.150 0.680 0.300 0.620 0.125 0.620 0.175 0.620 0.175 0.619 0.125 0.575 0.150 0.575 0.150 0.620 0.150 0.620 0.650 0.500 0.90 0.80 36000000 46400000 66900000 175000000 P10Y P7Y P10Y P12Y6M <div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tables 4.4a and 4.4b provide a summary of our Home Re Transactions as of September 30, 2022 and December 31, 2021.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:16.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.122%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:13.761%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.594%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.427%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.427%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.847%"/><td style="width:0.1%"/></tr><tr><td colspan="21" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Excess of Loss Reinsurance - Home Re Transactions</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #cceeff;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">4.4a</span></td><td colspan="3" style="border-top:0.5pt solid #cceeff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cceeff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cceeff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cceeff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cceeff;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #cceeff;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:100%">($ in thousands)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Issue Date</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Policy In force Dates</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Optional Call Date (1)</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Legal Maturity</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Initial First Layer Retention</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Initial Excess of Loss Reinsurance Coverage</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2022-1, Ltd.</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">April 26, 2022</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">May 29, 2021 - December 31, 2021</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">April 25, 2028</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.5 years</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$325,589</span></td><td colspan="3" style="border-top:1pt solid #000;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$473,575</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2021-2, Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">August 3, 2021</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2021 - May 28, 2021</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">July 25, 2028</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.5 years</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">190,159</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,429</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2021-1, Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">February 2, 2021</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">August 1, 2020 - December 31, 2020</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 25, 2028</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.5 years</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">211,159</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,848</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2020-1, Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">October 29, 2020</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2020 - July 31, 2020</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">October 25, 2027</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 years</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">275,283</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">412,917</span></td></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2019-1, Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">May 25, 2019</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">January 1, 2018 - March 31, 2019</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">May 25, 2026</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 years</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">185,730</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">315,739</span></td></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2018-1, Ltd.</span></td><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">October 30, 2018</span></td><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">July 1, 2016 - December 31, 2017</span></td><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">October 25, 2025</span></td><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10 years</span></td><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">168,691</span></td><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:center;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">318,636</span></td></tr></table></div><div style="margin-top:3pt;padding-left:13.5pt;text-align:justify;text-indent:-13.5pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1) We have the right to terminate the Home Re Transactions under certain circumstances and on any payment date on or after the respective Optional Call Date. </span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:16.122%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.772%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.622%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.772%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.622%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.772%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.622%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.772%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.624%"/><td style="width:0.1%"/></tr><tr style="height:9pt"><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">4.4b</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Remaining First Layer Retention</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Remaining Excess of Loss Reinsurance Coverage</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-style:italic;font-weight:400;line-height:100%">($ in thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2022</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2021</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2022</span></div></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2021</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2022-1, Ltd.</span></td><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">325,589</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">473,575</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td style="border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:1pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2021-2, Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">190,135</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">190,159 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">367,702</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,429 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2021-1, Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">211,117</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">211,142 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">306,243</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">387,830 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2020-1, Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">275,154</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">275,204 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">133,120</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">234,312 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2019-1, Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">183,691</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">183,917 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">208,146</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208,146 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re 2018-1, Ltd.</span></td><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">165,028</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">165,365 </span></td><td style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">162,305</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">218,343 </span></td><td style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr></table></div> P12Y6M 325589000 473575000 P12Y6M 190159000 398429000 P12Y6M 211159000 398848000 P10Y 275283000 412917000 P10Y 185730000 315739000 P10Y 168691000 318636000 325589000 473575000 190135000 190159000 367702000 398429000 211117000 211142000 306243000 387830000 275154000 275204000 133120000 234312000 183691000 183917000 208146000 208146000 165028000 165365000 162305000 218343000 <div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Table 4.5 presents the total assets of the Home Re Entities as of September 30, 2022 and December 31, 2021.</span></div><div style="margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:10.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:44.697%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.249%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:40.060%"/><td style="width:0.1%"/></tr><tr><td colspan="12" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re total assets</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">4.5</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Home Re Entity</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total VIE Assets</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%;text-decoration:underline">September 30, 2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2022-1 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">473,575</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2021-2 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">372,715</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2021-1 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">317,891</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2020-1 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">141,508</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2019-1 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">208,146</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2018-1 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">169,157</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:5pt"><td colspan="6" style="border-bottom:0.5pt solid #000;padding:0 1pt"/><td colspan="6" style="padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline">December 31, 2021</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2021-2 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,429 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2021-1 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398,848 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2020-1 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">251,387 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2019-1 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">208,146 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Home Re 2018-1 Ltd.</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">218,343 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:5pt"><td colspan="6" style="border-bottom:0.5pt solid #000;padding:0 1pt"/><td colspan="6" style="border-bottom:0.5pt solid #000;padding:0 1pt"/></tr></table></div> 473575000 372715000 317891000 141508000 208146000 169157000 398429000 398848000 251387000 208146000 218343000 0.995 Litigation and Contingencies<div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Before paying an insurance claim, generally we review the loan and servicing files to determine the appropriateness of the claim amount. When reviewing the files, we may determine that we have the right to rescind coverage or deny a claim on the loan (both referred to herein as “rescissions”). In addition, our insurance policies generally provide that we can reduce a claim if the servicer did not comply with its obligations under our insurance policy (such reduction referred to as a “curtailment”). When the insured disputes our right to rescind coverage or curtail claims, we generally engage in discussions in an attempt to settle the dispute. If we are unable to reach a settlement, the outcome of a dispute ultimately may be determined by legal proceedings. Under ASC 450-20, until a loss associated with settlement discussions or legal proceedings becomes probable and can be reasonably estimated, we consider our claim payment or rescission resolved for financial reporting purposes and do not accrue an estimated loss. When we determine that a loss is probable and can be reasonably estimated, we record our best estimate of our probable loss. In those cases, until settlement negotiations or legal proceedings are concluded (including the receipt of any necessary GSE approvals), it is possible that we will record an additional loss. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We have been named as a third-party defendant in a lawsuit that involves refunds of mortgage insurance premiums under the Homeowners Protection Act. We are monitoring litigation addressing similar issues in which we have not been named a defendant. We are unable to assess the potential impact of any such litigation at this time. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In addition, from time to time, we are involved in other disputes and legal proceedings in the ordinary course of business. In our opinion, based on the facts known at this time, the ultimate resolution of these ordinary course disputes and legal proceedings will not have a material adverse effect on our financial position or results of operations.</span></div> Earnings per Share<div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Basic earnings per share (“EPS”) is calculated by dividing net income by the weighted average number of shares of common stock outstanding. For purposes of calculating basic EPS, vested restricted stock and restricted stock units (“RSUs”) are considered outstanding. Diluted EPS includes the components of basic EPS and also gives effect to dilutive common stock equivalents. The determination of whether components are dilutive is calculated independently for each period. We calculate diluted EPS using the treasury stock method and if-converted method. Under the treasury stock method, diluted EPS reflects the potential dilution that could occur if unvested RSUs result in the issuance of common stock. Under the if-converted method, diluted EPS reflects the potential dilution that could occur if our 9% Debentures result in the issuance of common stock. The determination of potentially issuable shares does not consider the satisfaction of the conversion requirements and the shares are included in the determination of diluted EPS as of the beginning of the period, if dilutive. </span></div><div><span><br/></span></div><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Table 6.1 reconciles the numerators and denominators used to calculate basic and diluted EPS.</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:38.900%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.821%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Earnings per share</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">6.1</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine Months Ended September 30,</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands, except per share data)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Basic earnings per share:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">249,625</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">157,977 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">673,906</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">461,049 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average common shares outstanding - basic</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">302,622</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">335,938 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">309,097</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">338,045 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Basic earnings per share</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">0.82</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.47 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2.18</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.36 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="6" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Diluted earnings per share:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">249,625</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">157,977 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">673,906</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">461,049 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest expense, net of tax </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1):</span></div></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9% Debentures</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">620</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,712 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,851</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,135 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Diluted income available to common shareholders</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">250,245</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">161,689 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">676,757</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">472,184 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="6" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average common shares outstanding - basic</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">302,622</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">335,938 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">309,097</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">338,045 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Effect of dilutive securities:</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unvested RSUs</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,902</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,834 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,848</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,651 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9% Debentures</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,670</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,785 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">4,084</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,785 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average common shares outstanding - diluted</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">307,194</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">353,557 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">315,029</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">355,481 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Diluted earnings per share</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">0.81</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.46 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2.15</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.33 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-top:3pt;padding-left:13.5pt;text-align:justify;text-indent:-13.5pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1) Interest expense for the three and nine months ended September 30, 2022 and 2021, respectively, has been tax effected at a rate of 21%.</span></div> 0.09 <div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Table 6.1 reconciles the numerators and denominators used to calculate basic and diluted EPS.</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:38.900%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.821%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Earnings per share</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">6.1</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine Months Ended September 30,</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands, except per share data)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Basic earnings per share:</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">249,625</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">157,977 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">673,906</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">461,049 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average common shares outstanding - basic</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">302,622</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">335,938 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">309,097</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">338,045 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Basic earnings per share</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">0.82</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.47 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2.18</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.36 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="6" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Diluted earnings per share:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net income</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">249,625</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">157,977 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">673,906</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">461,049 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest expense, net of tax </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1):</span></div></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9% Debentures</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">620</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,712 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,851</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">11,135 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Diluted income available to common shareholders</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">250,245</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">161,689 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">676,757</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">472,184 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="6" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average common shares outstanding - basic</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">302,622</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">335,938 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">309,097</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">338,045 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Effect of dilutive securities:</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unvested RSUs</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,902</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,834 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,848</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,651 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9% Debentures</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,670</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,785 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">4,084</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,785 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted average common shares outstanding - diluted</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">307,194</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">353,557 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">315,029</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">355,481 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Diluted earnings per share</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">0.81</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">0.46 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2.15</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1.33 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-top:3pt;padding-left:13.5pt;text-align:justify;text-indent:-13.5pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1) Interest expense for the three and nine months ended September 30, 2022 and 2021, respectively, has been tax effected at a rate of 21%.</span></div> 249625000 157977000 673906000 461049000 302622000 335938000 309097000 338045000 0.82 0.47 2.18 1.36 249625000 157977000 673906000 461049000 620000 3712000 2851000 11135000 250245000 161689000 676757000 472184000 302622000 335938000 309097000 338045000 1902000 1834000 1848000 1651000 2670000 15785000 4084000 15785000 307194000 353557000 315029000 355481000 0.81 0.46 2.15 1.33 0.21 0.21 0.21 0.21 Investments<div style="margin-bottom:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Fixed income securities</span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Our fixed income securities classified as available-for-sale at September 30, 2022 and December 31, 2021 are shown in tables 7.1a and 7.1b below. </span></div><div style="margin-bottom:6pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.316%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:39.038%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.822%"/><td style="width:0.1%"/></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Details of fixed income securities by category as of September 30, 2022</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">7.1a</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized Cost</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Gains</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized (Losses)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Treasury securities and obligations of U.S. government corporations and agencies</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">180,941</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">25</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(10,294)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">170,672</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Obligations of U.S. states and political subdivisions</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,414,505</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,700</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(265,167)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,151,038</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate debt securities</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,393,106</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">148</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(227,409)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,165,845</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ABS</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">134,309</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(5,819)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">128,495</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">RMBS</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">230,997</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">15</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(28,372)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">202,640</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CMBS</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">266,711</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">14</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(21,080)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">245,645</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CLOs</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">337,827</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(12,329)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">325,498</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign government debt</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">4,486</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(914)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">3,572</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial paper</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">7,577</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">7,577</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total fixed income securities</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,970,459</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,907</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(571,384)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,400,982</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:38.344%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.955%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:11.955%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.955%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.960%"/><td style="width:0.1%"/></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Details of fixed income securities by category as of December 31, 2021</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">7.1b</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortized Cost</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Unrealized Gains</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Unrealized (Losses)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Treasury securities and obligations of U.S. government corporations and agencies</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133,990 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">285 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(868)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133,407 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Obligations of U.S. states and political subdivisions</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,408,688 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133,361 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,396)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,534,653 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate debt securities</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,704,586 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">75,172 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,776)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,765,982 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ABS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150,888 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">830 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,008)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150,710 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">RMBS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">309,991 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,397 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,278)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">309,110 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CMBS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">315,330 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,736 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,936)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">319,130 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CLOs</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">360,436 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">609 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(106)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">360,939 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign government debt</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,749 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(99)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,650 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total fixed income securities</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,397,658 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">218,390 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28,467)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,587,581 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:3pt;text-indent:-13.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We had $12.2 million and $13.4 million of investments at fair value on deposit with various states as of September 30, 2022 and December 31, 2021, respectively, due to regulatory requirements of those state insurance departments. In connection with our insurance and reinsurance activities within MAC and MIC, insurance subsidiaries of MGIC, we are required to maintain assets in trusts for the benefit of contractual counterparties, which had investments at fair value of $165.0 million and $189.8 million at September 30, 2022 and December 31, 2021, respectively.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The amortized cost and fair values of fixed income securities at September 30, 2022, by contractual maturity, are shown in table 7.2 below. Actual maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Because most ABS, RMBS, CMBS, and CLOs provide for periodic payments throughout their lives, they are listed in separate categories.</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:64.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.650%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.652%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fixed income securities maturity schedule</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">7.2</span></td><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2022</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized cost</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due in one year or less</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">422,546</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">416,536</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due after one year through five years</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,413,885</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,334,284</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due after five years through ten years</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,814,408</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,614,687</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due after ten years</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,349,776</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,133,197</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,000,615</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">4,498,704</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="6" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ABS</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">134,309</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">128,495</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">RMBS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">230,997</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">202,640</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CMBS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">266,711</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">245,645</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CLOs</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">337,827</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">325,498</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total as of September 30, 2022</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,970,459</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,400,982</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span><br/></span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Equity securities</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The cost and fair value of investments in equity securities at September 30, 2022 and December 31, 2021 are shown in tables 7.3a and 7.3b below.</span></div><div style="margin-bottom:3pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.861%"><tr><td style="width:1.0%"/><td style="width:4.463%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:42.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.861%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.861%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.861%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.864%"/><td style="width:0.1%"/></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Details of equity security investments as of September 30, 2022</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">7.3a</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cost</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Gains</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Losses</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities</span></td><td colspan="3" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">16,006</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(2,121)</span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">13,885</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.861%"><tr><td style="width:1.0%"/><td style="width:4.463%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:42.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.861%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.861%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.861%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.864%"/><td style="width:0.1%"/></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Details of equity security investments as of December 31, 2021</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">7.3b</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cost</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Gains</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Losses</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities</span></td><td colspan="3" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,838 </span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">264 </span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34)</span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,068 </span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span><br/></span></div><div style="margin-bottom:3pt"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Net gains (losses) on investments and other financial instruments</span></div><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The net gains (losses) on investments and other financial instruments and the proceeds from the sale of fixed income securities classified as available-for-sale are shown in table 7.4 below.</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.316%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.650%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.650%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.038%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.042%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Details of net gains (losses) on investments and other financial instruments</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">7.4</span></td><td colspan="9" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Nine Months Ended September 30,</span></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in thousands)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fixed income securities</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gains on sales</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,667</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,389 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">6,788</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,680 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Losses on sales</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(7,040)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(259)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(12,790)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,004)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in credit allowance</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Impairments</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(1,415)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(1,415)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities gains (losses)</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(617)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(108)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(2,351)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(308)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in embedded derivative on Home Re Transactions</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">4,199</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(397)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">983</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">376 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(52)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">9</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gains (losses) on investments and other financial instruments</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(3,258)</span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">612 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(8,776)</span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,773 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Proceeds from sales of fixed income securities</span></td><td colspan="2" style="border-bottom:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">125,186</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">106,765 </span></td><td style="border-bottom:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">388,740</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">246,827 </span></td><td style="border-bottom:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Other invested assets</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">At December 31, 2021, the FHLB Advance amount was secured by $167.2 million of eligible collateral. As a result of the prepayment of the outstanding principal balance on the FHLB Advance we are no longer required to maintain collateral. Our other invested assets balance includes an investment in FHLB stock that is carried at cost, which due to its nature approximates fair value. Ownership of FHLB stock provides access to a secured lending facility. </span></div><div style="text-align:justify"><span><br/></span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Unrealized investment losses</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tables 7.5a and 7.5b below summarize, for all available-for-sale investments in an unrealized loss position at September 30, 2022 and December 31, 2021, the aggregate fair value and gross unrealized loss by the length of time those securities have been continuously in an unrealized loss position. The fair value amounts reported in tables 7.5a and 7.5b are estimated using the process described in </span><span style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a href="#i68f57590f7b74a69a6e54f6c5b591653_73" style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">Note 8 - “Fair Value Measurements”</a></span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> to these consolidated financial statements and in Note 3 - “Significant Accounting Policies” to the consolidated financial statements in our 2021 Annual Report on Form 10-K.</span></div><div style="margin-bottom:6pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:25.011%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.594%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.594%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.594%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.594%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.594%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.600%"/><td style="width:0.1%"/></tr><tr><td colspan="42" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized loss aging for securities by type and length of time as of September 30, 2022</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">7.5a</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less Than 12 Months</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 Months or Greater</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Losses</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Losses</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized Losses</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Treasury securities and obligations of U.S. government corporations and agencies</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">91,057 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,565)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,868 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,729)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">143,925</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(10,294)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Obligations of U.S. states and political subdivisions</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,993,265 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(229,380)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122,240 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(35,787)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,115,505</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(265,167)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate debt securities</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,897,128 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(164,708)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">307,124 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(62,701)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,204,252</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(227,409)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ABS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96,910 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,741)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,673 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,078)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">129,583</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(5,819)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">RMBS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">124,775 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,598)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93,453 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14,774)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">218,228</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(28,372)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CMBS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">183,053 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,797)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66,755 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,283)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">249,808</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(21,080)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CLOs</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">266,139 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,355)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59,359 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,974)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">325,498</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(12,329)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign government debt</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,572 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(914)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">3,572</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(914)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,652,327 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(439,144)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">738,044 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(132,240)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,390,371</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(571,384)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.444%"><tr><td style="width:1.0%"/><td style="width:3.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:25.296%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.498%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.654%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.498%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.654%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.498%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.654%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.498%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.654%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.498%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.654%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.498%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.658%"/><td style="width:0.1%"/></tr><tr><td colspan="42" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized loss aging for securities by type and length of time as of December 31, 2021</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">7.5b</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less Than 12 Months</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 Months or Greater</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> Losses</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Losses</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> Losses</span></div></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Treasury securities and obligations of U.S. government corporations and agencies</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">91,154 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(790)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,616 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(78)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93,770 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(868)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Obligations of U.S. states and political subdivisions</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">452,021 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,189)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,540 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(207)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">467,561 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,396)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate debt securities</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">865,085 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,260)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,997 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(516)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">876,082 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,776)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ABS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100,064 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(998)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,552 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">101,616 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,008)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">RMBS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">180,586 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,548)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,641 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(730)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">212,227 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,278)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CMBS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89,889 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,887)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,511 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(49)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">91,400 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,936)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CLOs</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">177,663 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(71)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,973 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(35)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">199,636 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(106)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign government debt</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,649 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(99)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,649 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(99)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,970,111 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(26,842)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85,830 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,625)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,055,941 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28,467)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Based on current facts and circumstances, we believe the unrealized losses as of September 30, 2022 presented in table 7.5a above are not indicative of the ultimate collectability of the current amortized cost of the securities. The unrealized losses in all categories of our investments at September 30, 2022 were primarily caused by an increase in prevailing interest rates. We also rely upon estimates of several credit and non-credit factors in our review and evaluation of individual investments to determine whether a credit impairment exists. All of the securities in an unrealized loss position are current with respect to their interest obligations.</span></div>There were 1,346 and 610 securities in an unrealized loss position at September 30, 2022 and December 31, 2021, respectively. <div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Our fixed income securities classified as available-for-sale at September 30, 2022 and December 31, 2021 are shown in tables 7.1a and 7.1b below. </span></div><div style="margin-bottom:6pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.316%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:39.038%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.822%"/><td style="width:0.1%"/></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Details of fixed income securities by category as of September 30, 2022</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">7.1a</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized Cost</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized Gains</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Unrealized (Losses)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Treasury securities and obligations of U.S. government corporations and agencies</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">180,941</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">25</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(10,294)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">170,672</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Obligations of U.S. states and political subdivisions</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,414,505</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,700</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(265,167)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,151,038</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate debt securities</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,393,106</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">148</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(227,409)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,165,845</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ABS</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">134,309</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(5,819)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">128,495</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">RMBS</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">230,997</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">15</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(28,372)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">202,640</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CMBS</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">266,711</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">14</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(21,080)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">245,645</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CLOs</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">337,827</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(12,329)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">325,498</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign government debt</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">4,486</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(914)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">3,572</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial paper</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">7,577</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">7,577</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total fixed income securities</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,970,459</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,907</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(571,384)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,400,982</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-bottom:3pt;margin-top:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:38.344%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.955%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="width:1.0%"/><td style="width:11.955%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.955%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.960%"/><td style="width:0.1%"/></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Details of fixed income securities by category as of December 31, 2021</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">7.1b</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortized Cost</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Unrealized Gains</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Unrealized (Losses)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Treasury securities and obligations of U.S. government corporations and agencies</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133,990 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">285 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(868)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133,407 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Obligations of U.S. states and political subdivisions</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,408,688 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133,361 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,396)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,534,653 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate debt securities</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,704,586 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">75,172 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,776)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,765,982 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ABS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150,888 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">830 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,008)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150,710 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">RMBS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">309,991 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,397 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,278)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">309,110 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CMBS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">315,330 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,736 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,936)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">319,130 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CLOs</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">360,436 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">609 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(106)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">360,939 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign government debt</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,749 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(99)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,650 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total fixed income securities</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,397,658 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">218,390 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28,467)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,587,581 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> 180941000 25000 10294000 170672000 2414505000 1700000 265167000 2151038000 2393106000 148000 227409000 2165845000 134309000 5000 5819000 128495000 230997000 15000 28372000 202640000 266711000 14000 21080000 245645000 337827000 0 12329000 325498000 4486000 0 914000 3572000 7577000 0 0 7577000 5970459000 1907000 571384000 5400982000 133990000 285000 868000 133407000 2408688000 133361000 7396000 2534653000 2704586000 75172000 13776000 2765982000 150888000 830000 1008000 150710000 309991000 2397000 3278000 309110000 315330000 5736000 1936000 319130000 360436000 609000 106000 360939000 13749000 0 99000 13650000 6397658000 218390000 28467000 6587581000 12200000 13400000 165000000 189800000 <div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The amortized cost and fair values of fixed income securities at September 30, 2022, by contractual maturity, are shown in table 7.2 below. Actual maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Because most ABS, RMBS, CMBS, and CLOs provide for periodic payments throughout their lives, they are listed in separate categories.</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:64.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.650%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.652%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fixed income securities maturity schedule</span></td></tr><tr><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">7.2</span></td><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2022</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Amortized cost</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due in one year or less</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">422,546</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">416,536</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due after one year through five years</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,413,885</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,334,284</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due after five years through ten years</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,814,408</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,614,687</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Due after ten years</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,349,776</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,133,197</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,000,615</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">4,498,704</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="6" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ABS</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">134,309</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">128,495</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">RMBS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">230,997</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">202,640</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CMBS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">266,711</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">245,645</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CLOs</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">337,827</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">325,498</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total as of September 30, 2022</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,970,459</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,400,982</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> 422546000 416536000 1413885000 1334284000 1814408000 1614687000 1349776000 1133197000 5000615000 4498704000 134309000 128495000 230997000 202640000 266711000 245645000 337827000 325498000 5970459000 5400982000 <div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The cost and fair value of investments in equity securities at September 30, 2022 and December 31, 2021 are shown in tables 7.3a and 7.3b below.</span></div><div style="margin-bottom:3pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.861%"><tr><td style="width:1.0%"/><td style="width:4.463%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:42.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.861%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.861%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.861%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.864%"/><td style="width:0.1%"/></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Details of equity security investments as of September 30, 2022</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">7.3a</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Cost</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Gains</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Gross Losses</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities</span></td><td colspan="3" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">16,006</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(2,121)</span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">13,885</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.861%"><tr><td style="width:1.0%"/><td style="width:4.463%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:42.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.861%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.861%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.861%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.864%"/><td style="width:0.1%"/></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Details of equity security investments as of December 31, 2021</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">7.3b</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cost</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Gains</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gross Losses</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities</span></td><td colspan="3" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,838 </span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">264 </span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34)</span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,068 </span></td><td style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> 16006000 0 2121000 13885000 15838000 264000 34000 16068000 <div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The net gains (losses) on investments and other financial instruments and the proceeds from the sale of fixed income securities classified as available-for-sale are shown in table 7.4 below.</span></div><div style="text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.316%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:33.900%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.650%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.650%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.038%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.355%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:14.042%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="border-bottom:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Details of net gains (losses) on investments and other financial instruments</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">7.4</span></td><td colspan="9" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Nine Months Ended September 30,</span></td></tr><tr><td colspan="6" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in thousands)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fixed income securities</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Gains on sales</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,667</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,389 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">6,788</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,680 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Losses on sales</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(7,040)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(259)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(12,790)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,004)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in credit allowance</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Impairments</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(1,415)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(1,415)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities gains (losses)</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(617)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(108)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(2,351)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(308)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in embedded derivative on Home Re Transactions</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">4,199</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(397)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">983</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">376 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other</span></td><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(52)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(12)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">9</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(19)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-top:0.25pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net gains (losses) on investments and other financial instruments</span></td><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(3,258)</span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">612 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(8,776)</span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,773 </span></td><td style="border-top:0.25pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:6pt"><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Proceeds from sales of fixed income securities</span></td><td colspan="2" style="border-bottom:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">125,186</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">106,765 </span></td><td style="border-bottom:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">388,740</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-bottom:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">246,827 </span></td><td style="border-bottom:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> 1667000 1389000 6788000 6680000 -7040000 -259000 -12790000 -1004000 0 -1000 0 48000 -1415000 0 -1415000 0 -617000 -108000 -2351000 -308000 4199000 -397000 983000 376000 -52000 -12000 9000 -19000 -3258000 612000 -8776000 5773000 125186000 106765000 388740000 246827000 167200000 <div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tables 7.5a and 7.5b below summarize, for all available-for-sale investments in an unrealized loss position at September 30, 2022 and December 31, 2021, the aggregate fair value and gross unrealized loss by the length of time those securities have been continuously in an unrealized loss position. The fair value amounts reported in tables 7.5a and 7.5b are estimated using the process described in </span><span style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a href="#i68f57590f7b74a69a6e54f6c5b591653_73" style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">Note 8 - “Fair Value Measurements”</a></span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> to these consolidated financial statements and in Note 3 - “Significant Accounting Policies” to the consolidated financial statements in our 2021 Annual Report on Form 10-K.</span></div><div style="margin-bottom:6pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:25.011%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.594%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.594%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.594%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.594%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.594%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.600%"/><td style="width:0.1%"/></tr><tr><td colspan="42" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized loss aging for securities by type and length of time as of September 30, 2022</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">7.5a</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less Than 12 Months</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 Months or Greater</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Losses</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized Losses</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized Losses</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Treasury securities and obligations of U.S. government corporations and agencies</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">91,057 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(4,565)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">52,868 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,729)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">143,925</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(10,294)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Obligations of U.S. states and political subdivisions</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,993,265 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(229,380)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">122,240 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(35,787)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,115,505</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(265,167)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate debt securities</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,897,128 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(164,708)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">307,124 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(62,701)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,204,252</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(227,409)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ABS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">96,910 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,741)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">32,673 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,078)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">129,583</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(5,819)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">RMBS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">124,775 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,598)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93,453 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14,774)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">218,228</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(28,372)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CMBS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">183,053 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,797)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">66,755 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,283)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">249,808</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(21,080)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CLOs</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">266,139 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,355)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59,359 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,974)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">325,498</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(12,329)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign government debt</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,572 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(914)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">3,572</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(914)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,652,327 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(439,144)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">738,044 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(132,240)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,390,371</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(571,384)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:3pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.444%"><tr><td style="width:1.0%"/><td style="width:3.788%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:25.296%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.498%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.654%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.498%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.654%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.498%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.654%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.498%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.654%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.498%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.654%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.498%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:9.658%"/><td style="width:0.1%"/></tr><tr><td colspan="42" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Unrealized loss aging for securities by type and length of time as of December 31, 2021</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">7.5b</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less Than 12 Months</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 Months or Greater</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> Losses</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Losses</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Unrealized</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> Losses</span></div></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Treasury securities and obligations of U.S. government corporations and agencies</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">91,154 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(790)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,616 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(78)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">93,770 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(868)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Obligations of U.S. states and political subdivisions</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">452,021 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,189)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">15,540 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(207)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">467,561 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(7,396)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate debt securities</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">865,085 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,260)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">10,997 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(516)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">876,082 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(13,776)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ABS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100,064 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(998)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,552 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(10)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">101,616 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,008)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">RMBS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">180,586 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,548)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,641 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(730)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">212,227 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,278)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CMBS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89,889 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,887)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,511 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(49)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">91,400 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,936)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CLOs</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">177,663 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(71)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,973 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(35)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">199,636 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(106)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign government debt</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,649 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(99)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,649 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(99)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,970,111 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(26,842)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">85,830 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,625)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,055,941 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(28,467)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> 91057000 4565000 52868000 5729000 143925000 10294000 1993265000 229380000 122240000 35787000 2115505000 265167000 1897128000 164708000 307124000 62701000 2204252000 227409000 96910000 3741000 32673000 2078000 129583000 5819000 124775000 13598000 93453000 14774000 218228000 28372000 183053000 13797000 66755000 7283000 249808000 21080000 266139000 9355000 59359000 2974000 325498000 12329000 0 0 3572000 914000 3572000 914000 4652327000 439144000 738044000 132240000 5390371000 571384000 91154000 790000 2616000 78000 93770000 868000 452021000 7189000 15540000 207000 467561000 7396000 865085000 13260000 10997000 516000 876082000 13776000 100064000 998000 1552000 10000 101616000 1008000 180586000 2548000 31641000 730000 212227000 3278000 89889000 1887000 1511000 49000 91400000 1936000 177663000 71000 21973000 35000 199636000 106000 13649000 99000 0 0 13649000 99000 1970111000 26842000 85830000 1625000 2055941000 28467000 1346 610 Fair Value Measurements<div style="margin-bottom:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Recurring fair value measurements</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The following describes the valuation methodologies generally used by the independent pricing sources, or by us, to measure financial instruments at fair value, including the general classification of such financial instruments pursuant to the valuation hierarchy.</span></div><div style="margin-bottom:3pt;text-align:justify"><span><br/></span></div><div style="margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-9pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.97pt">Fixed income securities:</span></div><div style="margin-top:3pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">U.S. Treasury Securities and Obligations of U.S. Government Corporations and Agencies:</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> Securities with valuations derived from quoted prices for identical instruments in active markets that we can access are categorized in Level 1 of the fair value hierarchy. Securities valued by surveying the dealer community, obtaining relevant trade data, benchmark quotes and spreads and incorporating this information in the valuation process are categorized as Level 2 of the fair value hierarchy. </span></div><div style="margin-top:6pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Corporate Debt Bonds</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> are valued by surveying the dealer community, obtaining relevant trade data, benchmark quotes and spreads and incorporating this information into the valuation process. These securities are generally categorized in Level 2 of the fair value hierarchy.</span></div><div style="margin-top:6pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Obligations of U.S. States &amp; Political Subdivisions</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> are valued by tracking, capturing, and analyzing quotes for active issues and trades reported via the Municipal Securities Rulemaking Board records. Daily briefings and reviews of current economic conditions, trading levels, spread relationships, and the slope of the yield curve provide further data for evaluation. These securities are generally categorized in Level 2 of the fair value hierarchy.</span></div><div style="margin-top:6pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Residential Mortgage-Backed Securities ("RMBS")</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> are valued by monitoring interest rate movements, and other pertinent data daily. Incoming market data is enriched to derive spread, yield and/or price data as appropriate, enabling known data points to be extrapolated for valuation application across a range of related securities. These securities are generally categorized in Level 2 of the fair value hierarchy.</span></div><div style="margin-top:6pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Commercial Mortgage-Backed Securities ("CMBS")</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> are valued using techniques that reflect market participants’ assumptions and maximize the use of relevant observable inputs including quoted prices for similar assets, benchmark yield curves and market corroborated inputs. Evaluation uses regular reviews of the inputs for securities covered, including executed trades, broker quotes, credit information, collateral attributes and/or cash flow waterfall as applicable. These securities are generally categorized in Level 2 of the fair value hierarchy.</span></div><div style="margin-top:6pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Asset-Backed Securities ("ABS")</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> are valued using spreads and other information solicited from market buy-and-sell-side sources, including primary and secondary dealers, portfolio managers, and research analysts. Cash flows are generated for each tranche, benchmark yields are determined, and deal collateral performance and tranche level attributes including trade activity, bids, and offers are applied, resulting in tranche specific prices. These securities are generally categorized in Level 2 of the fair value hierarchy.</span></div><div style="margin-top:6pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Collateralized loan obligations ("CLOs")</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> are valued by evaluating manager rating, seniority in the capital structure, assumptions about prepayment, default and recovery and their impact on cash flow generation. Loan level net asset values are determined and aggregated for tranches and as a final step prices are checked against available recent trade activity. These securities are generally categorized in Level 2 of the fair value hierarchy.</span></div><div style="margin-top:6pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Foreign government debt </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">is valued by surveying the dealer community, obtaining relevant trade data, benchmark quotes and spreads and incorporating this information into the valuation process. These securities are generally categorized in Level 2 of the fair value hierarchy.</span></div><div style="margin-top:6pt;padding-left:18pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">Commercial Paper, </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">which has an original maturity greater than 90 days</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">,</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> is valued using market data for comparable instruments of similar maturity and average yields. These securities are generally categorized in Level 2 of the fair value hierarchy. </span></div><div style="margin-bottom:6pt;margin-top:6pt;padding-left:18pt;text-align:justify;text-indent:-9pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.97pt">Equity securities: Consist of actively traded, exchange-listed equity securities, including exchange traded funds (“ETFs”) and Bond Mutual Funds, with valuations derived from quoted prices for identical assets in active markets that we can access. These securities are valued in Level 1 of the fair value hierarchy.</span></div><div style="padding-left:18pt;text-align:justify;text-indent:-9pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">•</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;padding-left:5.97pt">Cash Equivalents: Consists of money market funds and treasury bills with valuations derived from quoted prices for identical assets in active markets that we can access. These securities are valued in level 1 of the fair value hierarchy. Instruments in this category valued using market data for comparable instruments are classified as level 2 in the fair value hierarchy.</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Assets measured at fair value, by hierarchy level, as of September 30, 2022 and December 31, 2021 are shown in tables 8.1a and 8.1b below. The fair value of the assets is estimated using the process described above, and more fully in Note 3 - “Significant Accounting Policies” to the consolidated financial statements in our 2021 Annual Report on Form 10-K. </span></div><div style="margin-bottom:6pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.861%"><tr><td style="width:1.0%"/><td style="width:4.463%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:31.584%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.788%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.788%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.792%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Assets carried at fair value by hierarchy level as of September 30, 2022</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">8.1a</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Fair Value</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Level 1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Level 2)</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Treasury securities and obligations of U.S. government corporations and agencies</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">170,672</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151,741 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,931 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Obligations of U.S. states and political subdivisions</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,151,038</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,151,038 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate debt securities</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,165,845</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,165,845 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ABS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">128,495</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">128,495 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">RMBS</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">202,640</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">202,640 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CMBS</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">245,645</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">245,645 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CLOs</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">325,498</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">325,498 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign government debt</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">3,572</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,572 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial paper</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">7,577</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,577 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total fixed income securities</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,400,982</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151,741 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,249,241 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">13,885</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,885 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash equivalents</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">236,940</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198,397 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,543 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,651,807</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">364,023 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,287,784 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.861%"><tr><td style="width:1.0%"/><td style="width:3.906%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:32.140%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.788%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.788%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.793%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Assets carried at fair value by hierarchy level as of December 31, 2021</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">8.1b</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Fair Value</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Level 1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Level 2)</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Treasury securities and obligations of U.S. government corporations and agencies</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133,407 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102,153 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,254 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Obligations of U.S. states and political subdivisions</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,534,653 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,534,653 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate debt securities</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,765,982 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,765,982 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ABS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150,710 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150,710 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">RMBS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">309,110 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">309,110 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CMBS</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">319,130 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">319,130 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CLOs</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">360,939 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">360,939 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign government debt</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,650 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,650 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total fixed income securities</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,587,581 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102,153 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,485,428 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,068 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,068 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash equivalents</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">254,230 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">254,230 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,857,879 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">372,451 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,485,428 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-top:3pt;text-align:justify;text-indent:-13.5pt"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Certain financial instruments, including insurance contracts, are excluded from these fair value disclosure requirements. The carrying values of cash and cash equivalents (Level 1) and accrued investment income (Level 2) approximated their fair values. Additional fair value disclosures related to our investment portfolio are included in </span><span style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a href="#i68f57590f7b74a69a6e54f6c5b591653_67" style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">Note 7 – “Investments.”</a></span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In addition to the assets carried at fair value discussed above, we have embedded derivatives carried at fair value related to our Home Re Transactions that are classified as Other liabilities or Other assets in our consolidated balance sheets. The estimated fair value related to our embedded derivatives reflects the present value impact of the variation in investment income on the assets held by the reinsurance trusts and the contractual reference rate on the Home Re Transactions used to calculate the reinsurance premiums we will pay. These liabilities or assets are categorized in Level 3 of the fair value hierarchy. At September 30, 2022 and December 31, 2021, the fair value of the embedded derivatives was a liability of $0.8 million and $1.8 million, respectively. (See </span><span style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"><a href="#i68f57590f7b74a69a6e54f6c5b591653_55" style="color:#0000ff;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%;text-decoration:none">Note 4 - "Reinsurance"</a></span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> for more information about our reinsurance programs.)</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Real estate acquired through claim settlement is carried at fair values and is reported in “Other assets” on the consolidated balance sheet. These assets are categorized as Level 3 of the fair value hierarchy.</span></div><div style="text-align:justify"><span><br/></span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Activity related to the Level 3 assets and liabilities (including realized and unrealized gains and losses, purchases and sales) were immaterial for the three and nine months ended September 30, 2022 and 2021.</span></div><div style="margin-bottom:3pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Financial assets and liabilities not measured at fair value</span></div><div style="margin-bottom:3pt;margin-top:6pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Other invested assets include an investment in FHLB stock that is carried at cost, which due to restrictions that require it to be redeemed or sold only to the security issuer at par value, approximates fair value. The fair value of other invested assets is categorized as Level 2.</span></div><div style="margin-bottom:3pt;margin-top:6pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Financial liabilities include our outstanding debt obligations. The fair values of our 5.75% and 5.25% Notes and 9% Debentures were based on observable market prices. In all cases the fair values of the financial liabilities below are categorized as Level 2.</span></div><div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Table 8.2 presents the carrying value and fair value of our financial assets and liabilities disclosed, but not carried, at fair value at September 30, 2022 and December 31, 2021. </span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.861%"><tr><td style="width:1.0%"/><td style="width:4.463%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:42.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.861%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.861%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.861%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.864%"/><td style="width:0.1%"/></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Financial assets and liabilities not measured at fair value</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">8.2</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2022</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying Value</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Carrying Value</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline">Financial assets</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other invested assets</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">850</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">850</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,100 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,100 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:8pt"><td colspan="6" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline">Financial liabilities</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FHLB Advance</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155,000 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">157,585 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.75% Senior Notes</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">241,255 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256,213 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.25% Senior Notes</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">641,357</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">580,931</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">640,253 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">686,875 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9% Convertible Junior Subordinated Debentures</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">21,296</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">28,475</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110,204 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151,000 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total financial liabilities</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">662,653</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">609,406</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,146,712 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,251,673 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> <div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Assets measured at fair value, by hierarchy level, as of September 30, 2022 and December 31, 2021 are shown in tables 8.1a and 8.1b below. The fair value of the assets is estimated using the process described above, and more fully in Note 3 - “Significant Accounting Policies” to the consolidated financial statements in our 2021 Annual Report on Form 10-K. </span></div><div style="margin-bottom:6pt;margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.861%"><tr><td style="width:1.0%"/><td style="width:4.463%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:31.584%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.788%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.788%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.792%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Assets carried at fair value by hierarchy level as of September 30, 2022</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">8.1a</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Total Fair Value</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Level 1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Level 2)</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Treasury securities and obligations of U.S. government corporations and agencies</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">170,672</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151,741 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,931 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Obligations of U.S. states and political subdivisions</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,151,038</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,151,038 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate debt securities</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,165,845</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,165,845 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ABS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">128,495</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">128,495 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">RMBS</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">202,640</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">202,640 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CMBS</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">245,645</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">245,645 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CLOs</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">325,498</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">325,498 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign government debt</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">3,572</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,572 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Commercial paper</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">7,577</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,577 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total fixed income securities</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,400,982</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151,741 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,249,241 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">13,885</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,885 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash equivalents</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">236,940</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">198,397 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">38,543 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,651,807</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">364,023 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,287,784 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div><div style="margin-bottom:6pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.861%"><tr><td style="width:1.0%"/><td style="width:3.906%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:32.140%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.788%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.788%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.793%"/><td style="width:0.1%"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Assets carried at fair value by hierarchy level as of December 31, 2021</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">8.1b</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total Fair Value</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Quoted Prices in Active Markets for Identical Assets </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Level 1)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Significant Other Observable Inputs </span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(Level 2)</span></div></td><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">U.S. Treasury securities and obligations of U.S. government corporations and agencies</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">133,407 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102,153 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,254 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Obligations of U.S. states and political subdivisions</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,534,653 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,534,653 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Corporate debt securities</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,765,982 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,765,982 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">ABS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150,710 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150,710 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">RMBS</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">309,110 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">309,110 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CMBS</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">319,130 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">319,130 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">CLOs</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">360,939 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">360,939 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Foreign government debt</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,650 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">13,650 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total fixed income securities</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,587,581 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">102,153 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,485,428 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Equity securities</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,068 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">16,068 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cash equivalents</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">254,230 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">254,230 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,857,879 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">372,451 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,485,428 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr></table></div> 170672000 151741000 18931000 2151038000 0 2151038000 2165845000 0 2165845000 128495000 0 128495000 202640000 0 202640000 245645000 0 245645000 325498000 0 325498000 3572000 0 3572000 7577000 0 7577000 5400982000 151741000 5249241000 13885000 13885000 0 236940000 198397000 38543000 5651807000 364023000 5287784000 133407000 102153000 31254000 2534653000 0 2534653000 2765982000 0 2765982000 150710000 0 150710000 309110000 0 309110000 319130000 0 319130000 360939000 0 360939000 13650000 0 13650000 6587581000 102153000 6485428000 16068000 16068000 0 254230000 254230000 0 6857879000 372451000 6485428000 -800000 -1800000 0.0575 0.0525 0.09 <div style="margin-bottom:6pt;margin-top:6pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Table 8.2 presents the carrying value and fair value of our financial assets and liabilities disclosed, but not carried, at fair value at September 30, 2022 and December 31, 2021. </span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.861%"><tr><td style="width:1.0%"/><td style="width:4.463%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:42.710%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.861%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.861%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.861%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.495%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.864%"/><td style="width:0.1%"/></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Financial assets and liabilities not measured at fair value</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">8.2</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2022</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Carrying Value</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Fair Value</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Carrying Value</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Fair Value</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline">Financial assets</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other invested assets</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">850</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">850</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,100 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,100 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:8pt"><td colspan="6" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%;text-decoration:underline">Financial liabilities</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">FHLB Advance</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">155,000 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">157,585 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.75% Senior Notes</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">241,255 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">256,213 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5.25% Senior Notes</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">641,357</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">580,931</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">640,253 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">686,875 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9% Convertible Junior Subordinated Debentures</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">21,296</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">28,475</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">110,204 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">151,000 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total financial liabilities</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">662,653</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">609,406</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,146,712 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,251,673 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> 850000 850000 3100000 3100000 0 0 155000000 157585000 0 0 241255000 256213000 641357000 580931000 640253000 686875000 21296000 28475000 110204000 151000000 662653000 609406000 1146712000 1251673000 Other Comprehensive Income<div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The pretax and related income tax benefit (expense) components of our other comprehensive income (loss) for the three and nine months ended September 30, 2022 and 2021 are included in table 9.1 below. </span></div><div style="margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:38.900%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.821%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Components of other comprehensive income (loss)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">9.1</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine Months Ended September 30,</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net unrealized investment (losses) gains arising during the period</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(194,449)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34,937)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(759,409)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(97,057)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total income tax benefit (expense)</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">40,834</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,337 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">159,476</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,382 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net of taxes</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(153,615)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27,600)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(599,933)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(76,675)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="6" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net changes in benefit plan assets and obligations</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(20,471)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,548 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(19,353)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,492 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total income tax benefit (expense)</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">4,299</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,585)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">4,064</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,993)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net of taxes</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(16,172)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,963 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(15,289)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,499 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="6" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other comprehensive income (loss)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(214,920)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27,389)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(778,762)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(87,565)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total income tax benefit (expense)</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">45,133</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,752 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">163,540</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,389 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other comprehensive income (loss), net of tax</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(169,787)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21,637)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(615,222)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(69,176)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The pretax and related income tax benefit (expense) components of the amounts reclassified from our accumulated other comprehensive income (loss) (“AOCI”) to our consolidated statements of operations for the three and nine months ended September 30, 2022 and 2021 are included in table 9.2 below.</span></div><div style="margin-bottom:6pt;margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:3.483%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:39.872%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.821%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Reclassifications from AOCI</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">9.2</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine Months Ended September 30,</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reclassification adjustment for net realized (losses) gains</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(6,681)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,045 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(4,273)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,462 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax benefit (expense)</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,403</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(219)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">897</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,566)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net of taxes</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(5,278)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">826 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(3,376)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,896 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="6" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reclassification adjustment related to benefit plan assets and obligations </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(6,228)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(971)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(7,346)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,915)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax benefit (expense)</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,308</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">204 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,543</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">612 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net of taxes</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(4,920)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(767)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(5,803)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,303)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="6" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total reclassifications</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(12,909)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(11,619)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,547 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax benefit (expense)</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,711</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,440</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(954)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total reclassifications, net of tax</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(10,198)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(9,179)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,593 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8pt">Increases (decreases) Net realized investment gains (losses) on the consolidated statements of operations.</span></div><div style="margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8pt">Decreases (increases) Other underwriting and operating expenses, net on the consolidated statements of operations.</span></div><div><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A rollforward of AOCI for the nine months ended September 30, 2022, including amounts reclassified from AOCI, are included in table 9.3 below.</span></div><div style="margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:37.788%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.677%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.633%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.677%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.682%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Rollforward of AOCI</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">9.3</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine Months Ended September 30, 2022</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net unrealized gains and (losses) on available-for-sale securities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net benefit plan assets and (obligations) recognized in shareholders' equity</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total accumulated other comprehensive income (loss)</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at December 31, 2021, net of tax</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150,038 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(30,341)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119,697 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other comprehensive income (loss) before reclassifications</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(603,309)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21,092)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(624,401)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less: Amounts reclassified from AOCI</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,376)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,803)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,179)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance, September 30, 2022, net of tax</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(449,895)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(45,630)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(495,525)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> <div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The pretax and related income tax benefit (expense) components of our other comprehensive income (loss) for the three and nine months ended September 30, 2022 and 2021 are included in table 9.1 below. </span></div><div style="margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:38.900%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.821%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Components of other comprehensive income (loss)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">9.1</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine Months Ended September 30,</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net unrealized investment (losses) gains arising during the period</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(194,449)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(34,937)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(759,409)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(97,057)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total income tax benefit (expense)</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">40,834</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,337 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">159,476</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">20,382 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net of taxes</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(153,615)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27,600)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(599,933)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(76,675)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="6" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net changes in benefit plan assets and obligations</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(20,471)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,548 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(19,353)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,492 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total income tax benefit (expense)</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">4,299</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,585)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">4,064</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,993)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net of taxes</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(16,172)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,963 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(15,289)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,499 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="6" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other comprehensive income (loss)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(214,920)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(27,389)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(778,762)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(87,565)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total income tax benefit (expense)</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">45,133</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,752 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">163,540</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">18,389 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total other comprehensive income (loss), net of tax</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(169,787)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21,637)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(615,222)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(69,176)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> -194449000 -34937000 -759409000 -97057000 -40834000 -7337000 -159476000 -20382000 -153615000 -27600000 -599933000 -76675000 -20471000 7548000 -19353000 9492000 -4299000 1585000 -4064000 1993000 -16172000 5963000 -15289000 7499000 -214920000 -27389000 -778762000 -87565000 -45133000 -5752000 -163540000 -18389000 -169787000 -21637000 -615222000 -69176000 <div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The pretax and related income tax benefit (expense) components of the amounts reclassified from our accumulated other comprehensive income (loss) (“AOCI”) to our consolidated statements of operations for the three and nine months ended September 30, 2022 and 2021 are included in table 9.2 below.</span></div><div style="margin-bottom:6pt;margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:3.483%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:39.872%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.816%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:11.821%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Reclassifications from AOCI</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">9.2</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine Months Ended September 30,</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reclassification adjustment for net realized (losses) gains</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(6,681)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,045 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(4,273)</span></td><td style="background-color:#ffffff;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,462 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax benefit (expense)</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,403</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(219)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">897</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,566)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net of taxes</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(5,278)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">826 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(3,376)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,896 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="6" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reclassification adjustment related to benefit plan assets and obligations </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(2)</span></div></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(6,228)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(971)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(7,346)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,915)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax benefit (expense)</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,308</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">204 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,543</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">612 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net of taxes</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(4,920)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(767)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(5,803)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,303)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="6" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total reclassifications</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(12,909)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">74 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(11,619)</span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="padding:0 1pt"/><td colspan="2" style="padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,547 </span></td><td style="padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Income tax benefit (expense)</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,711</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,440</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(954)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total reclassifications, net of tax</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(10,198)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">59 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(9,179)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,593 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8pt">Increases (decreases) Net realized investment gains (losses) on the consolidated statements of operations.</span></div><div style="margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(2)</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8pt">Decreases (increases) Other underwriting and operating expenses, net on the consolidated statements of operations.</span></div> -6681000 1045000 -4273000 7462000 -1403000 219000 -897000 1566000 -5278000 826000 -3376000 5896000 -6228000 -971000 -7346000 -2915000 -1308000 -204000 -1543000 -612000 -4920000 -767000 -5803000 -2303000 -12909000 74000 -11619000 4547000 -2711000 15000 -2440000 954000 -10198000 59000 -9179000 3593000 <div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A rollforward of AOCI for the nine months ended September 30, 2022, including amounts reclassified from AOCI, are included in table 9.3 below.</span></div><div style="margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:37.788%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.677%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.633%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.677%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:16.682%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Rollforward of AOCI</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">9.3</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine Months Ended September 30, 2022</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net unrealized gains and (losses) on available-for-sale securities</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net benefit plan assets and (obligations) recognized in shareholders' equity</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total accumulated other comprehensive income (loss)</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Balance at December 31, 2021, net of tax</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">150,038 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(30,341)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">119,697 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other comprehensive income (loss) before reclassifications</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(603,309)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(21,092)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(624,401)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less: Amounts reclassified from AOCI</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(3,376)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,803)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(9,179)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Balance, September 30, 2022, net of tax</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(449,895)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(45,630)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(495,525)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> 150038000 -30341000 119697000 -603309000 -21092000 -624401000 -3376000 -5803000 -9179000 -449895000 -45630000 -495525000 Benefit Plans<div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tables 10.1 and 10.2 provide the components of net periodic benefit cost for our pension, supplemental executive retirement and other postretirement benefit plans for the three and nine months ended September 30, 2022 and 2021.</span></div><div style="margin-bottom:3pt;text-align:justify"><span><br/></span></div><div style="margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:42.233%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.983%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.983%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.983%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.987%"/><td style="width:0.1%"/></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Components of net periodic benefit cost</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">10.1</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-bottom:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Three Months Ended September 30,</span></td></tr><tr><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pension and Supplemental Executive Retirement Plans</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Postretirement Benefit Plans</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Service cost</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,813</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,908 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">327</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">377 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest cost</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,863</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,794 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">173</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">163 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expected return on plan assets</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(4,907)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,229)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(2,625)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,216)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of net actuarial losses (gains)</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,266</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,403 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(776)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(425)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of prior service cost (credit)</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(57)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(60)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">123</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Settlements and curtailments</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,671</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,732 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net periodic benefit cost (benefit)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">6,649</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,548 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(2,778)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,048)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Components of net periodic benefit cost</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">10.2</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-bottom:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine Months Ended September 30,</span></div></td></tr><tr><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pension and Supplemental Executive Retirement Plans</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Postretirement Benefit Plans</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Service cost</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,439</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,724 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">981</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,131 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest cost</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">8,588</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,383 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">521</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">487 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expected return on plan assets</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(14,723)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15,687)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(7,876)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,647)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of net actuarial losses (gains)</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">3,798</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,208 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(2,328)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,273)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of prior service cost (credit)</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(163)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(179)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">367</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">159 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Settlements and curtailments</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,671</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,732 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net periodic benefit cost (benefit)</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">8,610</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,181 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(8,335)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,143)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Contributions of $6.3 million have been made to our qualified pension plan in 2022.</span></div>Beginning January 1, 2023, participants in the defined benefit pension plan and supplemental executive retirement plan will not accrue any future benefits due to pay and/or service. As a result of freezing plan benefits and lump sum settlements paid through September 2022, we recorded a pension settlement accounting charge, net of curtailments, of $5.7 million in the third quarter of 2022. The net curtailment credit relates to the recognition of prior service costs (credits) previously recognized in accumulated other comprehensive income. We recorded a pension settlement accounting charge of $4.7 million in the third quarter of 2021. <div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Tables 10.1 and 10.2 provide the components of net periodic benefit cost for our pension, supplemental executive retirement and other postretirement benefit plans for the three and nine months ended September 30, 2022 and 2021.</span></div><div style="margin-bottom:3pt;text-align:justify"><span><br/></span></div><div style="margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:42.233%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.983%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.983%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.983%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.987%"/><td style="width:0.1%"/></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Components of net periodic benefit cost</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">10.1</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-bottom:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Three Months Ended September 30,</span></td></tr><tr><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pension and Supplemental Executive Retirement Plans</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Postretirement Benefit Plans</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Service cost</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,813</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,908 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">327</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">377 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest cost</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2,863</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2,794 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">173</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">163 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expected return on plan assets</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(4,907)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,229)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(2,625)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,216)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of net actuarial losses (gains)</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,266</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,403 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(776)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(425)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of prior service cost (credit)</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(57)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(60)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">123</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Settlements and curtailments</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,671</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,732 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net periodic benefit cost (benefit)</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">6,649</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,548 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(2,778)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(2,048)</span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:12pt"><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:1pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="30" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Components of net periodic benefit cost</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">10.2</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="21" style="border-bottom:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine Months Ended September 30,</span></div></td></tr><tr><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Pension and Supplemental Executive Retirement Plans</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="9" style="border-top:0.5pt solid #000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other Postretirement Benefit Plans</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Service cost</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,439</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">5,724 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">981</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,131 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Interest cost</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">8,588</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">8,383 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">521</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">487 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Expected return on plan assets</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(14,723)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(15,687)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(7,876)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,647)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of net actuarial losses (gains)</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">3,798</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,208 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(2,328)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(1,273)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #dbdbdb;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Amortization of prior service cost (credit)</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(163)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(179)</span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">367</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">159 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000;border-top:0.25pt solid #dbdbdb;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Settlements and curtailments</span></td><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">5,671</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4,732 </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">—</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #dbdbdb;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #dbdbdb;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-top:0.25pt solid #dbdbdb;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net periodic benefit cost (benefit)</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">8,610</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,181 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(8,335)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(6,143)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div> 1813000 1908000 327000 377000 2863000 2794000 173000 163000 4907000 5229000 2625000 2216000 -1266000 -1403000 776000 425000 -57000 -60000 123000 53000 -5671000 -4732000 0 0 6649000 5548000 -2778000 -2048000 5439000 5724000 981000 1131000 8588000 8383000 521000 487000 14723000 15687000 7876000 6647000 -3798000 -4208000 2328000 1273000 -163000 -179000 367000 159000 -5671000 -4732000 0 0 8610000 7181000 -8335000 -6143000 6300000 -5700000 -4700000 Loss Reserves<div style="display:inline-block;vertical-align:top;width:47.916%"><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We establish case reserves and LAE reserves on delinquent loans that were reported to us as two or more payments past due and have not become current or resulted in a claim payment. Such loans are referred to as being in our delinquency inventory. Case reserves are established by estimating the number of loans in our delinquency inventory that will result in a claim payment, which is referred to as the claim rate, and further estimating the amount of the claim payment, which is referred to as claim severity.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">IBNR reserves are established for estimated losses from delinquencies we estimate have occurred prior to the close of an accounting period, but have not yet been reported to us. IBNR reserves are also established using estimated claim rates and claim severities. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Estimation of losses is inherently judgmental. The conditions that affect the claim rate and claim severity include the current and future state of the domestic economy, including unemployment and the current and future strength of local housing markets; exposure on insured loans; the amount of time between delinquency and claim filing (all else being equal, the longer the period between delinquency and claim filing, the greater the severity); and curtailments and rescissions. The actual amount of the claim payments may be substantially different than our loss reserve estimates. Our estimates could be adversely affected by several factors, including a deterioration of regional or national economic conditions, including unemployment, leading to a reduction in borrowers’ income and thus their ability to make mortgage payments, the impact of past and future government initiatives and actions taken by the GSEs (including mortgage forbearance programs and foreclosure moratoriums), and a drop in housing values which may affect borrower willingness to continue to make mortgage payments when the value of the home is below the mortgage balance. Loss reserves in future periods will also be dependent on the number of loans reported to us as delinquent. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Changes to our estimates could result in a material impact to our consolidated results of operations and financial position, even in a stable economic environment. Given the uncertainty of the macroeconomic environment, including the effectiveness of loss mitigation efforts, change in home prices, and changes in unemployment, our loss reserve estimates may continue to be impacted. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In considering the potential sensitivity of the factors underlying our estimate of loss reserves, it is possible that even a relatively small change in our estimated claim rate or claim severity could have a material impact on loss reserves and, correspondingly, on our consolidated results of operations even in a stable economic environment. For example, as of September 30, 2022, assuming all other factors remain constant, a $1,000 increase/decrease in the average severity reserve factor would change the loss reserve amount by approximately +/- $11 million. A one percentage point increase/decrease in the average claim rate reserve factor would change the loss reserve amount by approximately +/- $15 million.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The “Losses incurred” section of table 11.1 below shows losses incurred on delinquencies that occurred in the current year and in prior years. The amount of losses incurred relating to delinquencies that occurred in the current year represents the </span></div></div><div style="display:inline-block;max-width:4.166%;min-width:3.166%;vertical-align:top"/><div style="display:inline-block;vertical-align:top;width:47.918%"><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">estimated amount to be ultimately paid on such delinquencies. The amount of losses incurred relating to delinquencies that occurred in prior years represents the difference between the actual claim rate and claim severity associated with those delinquencies resolved in the current year compared to the estimated claim rate and claim severity at the prior year-end, as well as a re-estimation of amounts to be ultimately paid on delinquencies continuing from the end of the prior year. This re-estimation of the claim rate and claim severity is the result of our review of current trends in the delinquency inventory, such as percentages of delinquencies that have resulted in a claim, the amount of the claims relative to the average loan exposure, changes in the relative level of delinquencies by geography and changes in average loan exposure.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Losses incurred on delinquencies that occurred in the current year increased for the nine months ended September 30, 2022, compared to the same period last year. The increase is primarily due to a decrease in IBNR reserve estimates by $5.9 million in the nine months ended September 30, 2021, while IBNR reserve estimates remained flat for the nine months ended September 30, 2022. </span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">For the nine months ended September 30, 2022 we experienced favorable loss development of $327.5 million on previously received notices primarily related to a decrease in the estimated claim rate. The favorable development primarily resulted from greater than expected cure rates on delinquencies received during and prior to the COVID-19 pandemic, as forbearance plans and loss mitigation efforts have resulted in more cures than originally estimated. For the nine months ended September 30, 2021 we experienced favorable loss development of $6.0 million on previously received notices primarily due to the decrease in the claim rate on delinquencies received prior to the COVID-19 pandemic. This was offset by the recognition of a probable loss of $6.3 million related to litigation of our claims paying practices and adverse development on LAE reserves and reinsurance.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span><br/></span></div></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The “Losses paid” section of table 11.1 below shows the amount of losses paid on delinquencies that occurred in the current year and losses paid on delinquencies that occurred in prior years. The foreclosure moratoriums and forbearance plans in place have increased the average time it takes to receive a claim,. </span></div><div style="width:100.000%"><div style="display:inline-block;vertical-align:top;width:47.916%"><div style="text-align:justify"><span><br/></span></div></div><div style="display:inline-block;max-width:4.166%;min-width:3.166%;vertical-align:top"/><div style="display:inline-block;vertical-align:top;width:47.918%"/></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Table 11.1 provides a reconciliation of beginning and ending loss reserves as of and for the nine months ended September 30, 2022 and 2021.</span></div><div style="margin-bottom:9pt;margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:64.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.650%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.652%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Development of reserves for losses and loss adjustment expenses</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">11.1</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine Months Ended September 30,</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reserve at beginning of period</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">883,522</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">880,537 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less reinsurance recoverable</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">66,905</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95,042 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net reserve at beginning of period</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">816,617</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">785,495 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="6" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Losses incurred:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Losses and LAE incurred in respect of delinquency notices received in:</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current year</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">104,086</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95,534 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:18pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior years </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(327,512)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,968)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total losses incurred</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(223,426)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89,566 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="6" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Losses paid:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Losses and LAE paid in respect of delinquency notices received in:</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current year</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">116</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">339 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior years</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">36,089</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48,842 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total losses paid</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">36,205</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49,181 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net reserve at end of period</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">556,986</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">825,880 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Plus reinsurance recoverable</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">46,384</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">107,029 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reserve at end of period</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">603,370</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">932,909 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8pt">A positive number for prior year loss reserve development indicates a deficiency of prior year reserves. A negative number for prior year loss reserve development indicates a redundancy of prior year loss reserves. See the following table for more information about prior year loss reserve development.</span></div><div style="padding-left:72pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The prior year loss reserve development for the nine months of September 30, 2022 and 2021 is reflected in table 11.2 below.</span></div><div style="margin-bottom:6pt;margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:64.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.650%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.652%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Reserve development on previously received delinquencies</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table </span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">11.2</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine Months Ended September 30,</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Increase (decrease) in estimated claim rate on primary defaults</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(324,556)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18,147)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Increase (decrease) in estimated severity on primary defaults</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(18,682)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(105)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in estimates related to pool reserves, LAE reserves, reinsurance, and other</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">15,726</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,284 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total prior year loss development </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(327,512)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,968)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8pt">A positive number for prior year loss reserve development indicates a deficiency of prior year loss reserves. A negative number for prior year loss reserve development indicates a redundancy of prior year loss reserves.</span></div><div style="display:inline-block;vertical-align:top;width:47.916%"><div style="margin-bottom:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Delinquency inventory</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A rollforward of our primary delinquency inventory for the three and nine months ended September 30, 2022 and 2021 appears in table 11.3 below. The information concerning new notices and cures is compiled from monthly reports received from loan servicers. The level of new notice and cure activity reported in a particular month can be influenced by, among other things, the date on which a servicer generates its report, the number of business days in a month and transfers of servicing between loan servicers.</span></div><div style="margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.420%"><tr><td style="width:1.0%"/><td style="width:15.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.765%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.257%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.894%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.257%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.894%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.257%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.894%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.257%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.899%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Delinquency inventory rollforward</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">11.3</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine Months Ended September 30,</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Delinquency inventory at beginning of period</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">26,855</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,999 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">33,290</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57,710 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">New notices</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">10,990</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,862 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">31,089</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,909 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cures</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(11,494)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14,813)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(37,371)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(50,901)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Paid claims</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(337)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(298)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(978)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(956)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rescissions and denials</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(11)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(27)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other items removed from inventory</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(125)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(360)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(125)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(360)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Delinquency inventory at end of period</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">25,878</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,379</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">25,878</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,379</span></td></tr></table></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">During the three and nine months ended September 30, 2022 and 2021, our losses paid included amounts paid upon commutation of coverage of pools of non-performing loans (“NPLs”). As a result of these payments, 125 and 360 delinquencies, were removed from delinquency inventory with an amount paid of $1.6 million and $6.7 million for 2022 and 2021, respectively. </span></div><div style="text-align:justify"><span><br/></span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Table 11.4 below shows the number of consecutive months a borrower is delinquent. Historically as a delinquency ages it is more likely to result in a claim. </span></div><div style="margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.710%"><tr><td style="width:1.0%"/><td style="width:10.237%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:28.260%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.667%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.667%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.669%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Primary delinquency inventory - consecutive months delinquent</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">11.4</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">September 30, 2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 months or less</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">7,825</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,586 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,948 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4-11 months</span></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">7,619</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,990 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,371 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 months or more </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">10,434</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,714 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,060 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total </span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">25,878</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,290 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,379 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 months or less</span></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">30</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4-11 months</span></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">30</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 months or more</span></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">40</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">100</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Primary claims received inventory included in ending delinquent inventory</span></td><td colspan="2" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">244</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">211 </span></td><td style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">154 </span></td><td style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8pt">Approximately 33%, 20%, and 17% of the primary delinquency inventory delinquent for 12 consecutive months or more has been delinquent for at least 36 consecutive months as of September 30, 2022, December 31, 2021, and September 30, 2021, respectively. </span></div><div style="padding-left:13.5pt;text-align:justify;text-indent:-13.5pt"><span><br/></span></div></div><div style="display:inline-block;max-width:4.166%;min-width:3.166%;vertical-align:top"/><div style="display:inline-block;vertical-align:top;width:47.918%"><div style="margin-bottom:3pt;margin-top:5pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">COVID-19 Pandemic Delinquencies</span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We experienced an increase in new delinquency notices in the second and third quarters of 2020 because of the impacts of the COVID-19 pandemic, including the high level of unemployment and economic uncertainty resulting from measures to reduce the transmission of COVID-19. Forbearance programs enacted by the GSEs provided for payment forbearance on mortgages to borrowers experiencing a hardship during the COVID-19 pandemic. Historically, forbearance plans have reduced the incidence of our losses on affected loans. Through September 30, 2022 the vast majority of the delinquencies received in the second and third quarter of 2020 have cured. </span></div><div style="text-align:justify"><span><br/></span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Premium refunds</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Our estimate of premiums to be refunded on expected claim payments is accrued for separately in “Other Liabilities” on our consolidated balance sheets and approximated $28.1 million and $37.3 million at September 30, 2022 and December 31, 2021, respectively. The decrease is primarily due to a decrease in the delinquency inventory.</span></div><div style="text-align:justify"><span><br/></span></div></div> 11000000 15000000 5900000 -327500000 -6000000 6300000 <div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Table 11.1 provides a reconciliation of beginning and ending loss reserves as of and for the nine months ended September 30, 2022 and 2021.</span></div><div style="margin-bottom:9pt;margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:64.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.650%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.652%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Development of reserves for losses and loss adjustment expenses</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">11.1</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine Months Ended September 30,</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reserve at beginning of period</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">883,522</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">880,537 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Less reinsurance recoverable</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">66,905</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95,042 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net reserve at beginning of period</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">816,617</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">785,495 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="6" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Losses incurred:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Losses and LAE incurred in respect of delinquency notices received in:</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current year</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">104,086</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">95,534 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:18pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior years </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(327,512)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,968)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total losses incurred</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(223,426)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">89,566 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr style="height:3pt"><td colspan="6" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Losses paid:</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Losses and LAE paid in respect of delinquency notices received in:</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Current year</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">116</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">339 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Prior years</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">36,089</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">48,842 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/><td colspan="3" style="display:none"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:2px 1pt 2px 19pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total losses paid</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">36,205</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">49,181 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Net reserve at end of period</span></td><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">556,986</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">825,880 </span></td><td style="border-top:0.5pt solid #000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Plus reinsurance recoverable</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">46,384</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">107,029 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Reserve at end of period</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">603,370</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">932,909 </span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8pt">A positive number for prior year loss reserve development indicates a deficiency of prior year reserves. A negative number for prior year loss reserve development indicates a redundancy of prior year loss reserves. See the following table for more information about prior year loss reserve development.</span></div> 883522000 880537000 66905000 95042000 816617000 785495000 104086000 95534000 -327512000 -5968000 -223426000 89566000 116000 339000 36089000 48842000 36205000 49181000 556986000 825880000 46384000 107029000 603370000 932909000 <div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The prior year loss reserve development for the nine months of September 30, 2022 and 2021 is reflected in table 11.2 below.</span></div><div style="margin-bottom:6pt;margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:4.455%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:64.455%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.650%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.494%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.652%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Reserve development on previously received delinquencies</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table </span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">11.2</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine Months Ended September 30,</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Increase (decrease) in estimated claim rate on primary defaults</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(324,556)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(18,147)</span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Increase (decrease) in estimated severity on primary defaults</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(18,682)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(105)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Change in estimates related to pool reserves, LAE reserves, reinsurance, and other</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">15,726</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12,284 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="padding-left:6.75pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total prior year loss development </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(327,512)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(5,968)</span></td><td style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:3pt;padding-left:18pt;text-align:justify;text-indent:-18pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8pt">A positive number for prior year loss reserve development indicates a deficiency of prior year loss reserves. A negative number for prior year loss reserve development indicates a redundancy of prior year loss reserves.</span></div> -324556000 -18147000 -18682000 -105000 15726000 12284000 -327512000 -5968000 <div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">A rollforward of our primary delinquency inventory for the three and nine months ended September 30, 2022 and 2021 appears in table 11.3 below. The information concerning new notices and cures is compiled from monthly reports received from loan servicers. The level of new notice and cure activity reported in a particular month can be influenced by, among other things, the date on which a servicer generates its report, the number of business days in a month and transfers of servicing between loan servicers.</span></div><div style="margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.420%"><tr><td style="width:1.0%"/><td style="width:15.226%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:20.765%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.257%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.894%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.257%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.894%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.257%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.894%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.257%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:12.899%"/><td style="width:0.1%"/></tr><tr><td colspan="18" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Delinquency inventory rollforward</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">11.3</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Three Months Ended September 30,</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine Months Ended September 30,</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Delinquency inventory at beginning of period</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">26,855</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">42,999 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">33,290</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">57,710 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">New notices</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">10,990</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,862 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">31,089</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">31,909 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Cures</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(11,494)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(14,813)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(37,371)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(50,901)</span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Paid claims</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(337)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(298)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(978)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(956)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #b6b6b6;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Rescissions and denials</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(11)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(11)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(27)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(23)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000;border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 7.75pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Other items removed from inventory</span></td><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">(125)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(360)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(125)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #b6b6b6;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #b6b6b6;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">(360)</span></td><td style="border-top:0.5pt solid #b6b6b6;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Delinquency inventory at end of period</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">25,878</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,379</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">25,878</span></td><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:0 1pt"/><td colspan="3" style="border-bottom:1pt solid #000000;border-top:1pt solid #000;padding:2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,379</span></td></tr></table></div> 26855 42999 33290 57710 10990 9862 31089 31909 11494 14813 37371 50901 337 298 978 956 11 11 27 23 125 360 125 360 25878 37379 25878 37379 125 360 <div style="margin-bottom:3pt;text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Table 11.4 below shows the number of consecutive months a borrower is delinquent. Historically as a delinquency ages it is more likely to result in a claim. </span></div><div style="margin-top:5pt;text-align:justify"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:99.710%"><tr><td style="width:1.0%"/><td style="width:10.237%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:28.260%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.667%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.667%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:18.669%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Primary delinquency inventory - consecutive months delinquent</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">11.4</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">September 30, 2022</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">December 31, 2021</span></td><td colspan="3" style="padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">September 30, 2021</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 months or less</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">7,825</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,586 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">6,948 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4-11 months</span></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">7,619</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">7,990 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">9,371 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 months or more </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:5.2pt;font-weight:400;line-height:100%;position:relative;top:-2.8pt;vertical-align:baseline">(1)</span></div></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">10,434</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">17,714 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">21,060 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total </span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">25,878</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">33,290 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">37,379 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3 months or less</span></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">30</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">23 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">19 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">4-11 months</span></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">30</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">24 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">25 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12 months or more</span></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">40</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">53 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">56 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="6" style="border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Total</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">100</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">%</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">100 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">%</span></td></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Primary claims received inventory included in ending delinquent inventory</span></td><td colspan="2" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">244</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">211 </span></td><td style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">154 </span></td><td style="border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div>(1)Approximately 33%, 20%, and 17% of the primary delinquency inventory delinquent for 12 consecutive months or more has been delinquent for at least 36 consecutive months as of September 30, 2022, December 31, 2021, and September 30, 2021, respectively. 7825 7586 6948 7619 7990 9371 10434 17714 21060 25878 33290 37379 0.30 0.23 0.19 0.30 0.24 0.25 0.40 0.53 0.56 1 1 1 244 211 154 0.33 0.20 0.17 28100000 37300000 Shareholders’ Equity <div style="margin-bottom:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Change in Accounting Policy</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">As of January 1, 2021, we adopted the updated guidance for "A</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%">ccounting for Convertible Instruments and Contracts in an Entity’s Own Equity”. </span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The application of this guidance resulted in a $68.3 million cumulative effect adjustment to our 2021 beginning retained earnings and paid in capital to reflect the 9% Debentures as if we had always accounted for the debt as a liability in its entirety.</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-style:italic;font-weight:400;line-height:120%"> </span></div><div style="text-align:justify"><span><br/></span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Share repurchase programs</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Repurchases of our common stock may be made from time to time on the open market (including through 10b5-1 plans) or through privately negotiated transactions. In the first nine months of 2022, we repurchased 21.7 million shares at an average cost of $14.10 per share, which included commissions. In 2021, we repurchased approximately 19.0 million shares of our common stock, at an average cost of $15.30 per share, which included commissions. At September 30, 2022 we had $194 million remaining under a share repurchase program approved by our Board of Directors in 2021 that expires at year end 2023. In October 2022, we repurchased an additional 2.6 million shares totaling $33.2 million under the remaining authorization.</span></div><div style="text-align:justify"><span><br/></span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Cash dividends</span></div>In March and May 2022, we paid quarterly cash dividends of $0.08 per share which totaled $51.0 million and in August 2022 we paid quarterly cash dividends of $0.10 per share to shareholders which totaled $30.5 million On October 27, 2022, the Board of Directors declared a quarterly cash dividend to holders of the company’s common stock of $0.10 per share to shareholders of record on November 10, 2022, payable on November 23, 2022. 68300000 68300000 21700000 14.10 19000000 15.30 194000000 2600000 33200000 0.08 51000000 0.10 30500000 0.10 Share-Based Compensation<div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">We have certain share-based compensation plans. Under the fair value method, compensation cost is measured at the grant date based on the fair value of the award and is recognized over the service period which generally corresponds to the vesting period. Awards under our plans generally vest over periods ranging from <span style="-sec-ix-hidden:id3VybDovL2RvY3MudjEvZG9jOjY4ZjU3NTkwZjdiNzRhNjlhNmU1NGY2YzViNTkxNjUzL3NlYzo2OGY1NzU5MGY3Yjc0YTY5YTZlNTRmNmM1YjU5MTY1M185NC9mcmFnOmVhYTNiZjc0MmFjYTQ2Y2Y4ZmQyZGVmNTRmMGExNDk0L3RleHRyZWdpb246ZWFhM2JmNzQyYWNhNDZjZjhmZDJkZWY1NGYwYTE0OTRfMzU4_025bda53-bc03-47cd-85cc-90ed97361aa7">one</span> to three years, although awards to our non-employee directors vest immediately.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Table 13.1 shows the number of restricted stock units (RSUs) granted to employees and non-employee directors and the weighted average fair value per share during the periods presented (shares in thousands).</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:10.784%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.784%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.407%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.160%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.421%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.249%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.160%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.135%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Restricted stock unit grants</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">13.1</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine months ended September 30,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">RSUs</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Granted</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">(in thousands)</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average Share Fair Value</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">RSUs</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Granted</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in thousands)</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted Average Share Fair Value</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">RSUs subject to performance conditions</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">848</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">15.46</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">966 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.82 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">RSUs subject only to service conditions</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">319</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">15.45</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.82 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-employee director RSUs</span></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">104</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">15.32</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:5pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8pt">Shares granted are subject to performance conditions under which the target number of shares granted may vest up to 200%.</span></div> P3Y <div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Table 13.1 shows the number of restricted stock units (RSUs) granted to employees and non-employee directors and the weighted average fair value per share during the periods presented (shares in thousands).</span></div><div style="margin-top:5pt"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:10.784%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:10.784%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:4.407%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.160%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.421%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.249%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:17.160%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:15.135%"/><td style="width:0.1%"/></tr><tr><td colspan="24" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Restricted stock unit grants</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table</span></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:2px 1pt;text-align:left;vertical-align:middle"><div><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">13.1</span></div></td><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #b9d9eb;padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="15" style="border-bottom:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Nine months ended September 30,</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="6" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-bottom:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">RSUs</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Granted</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:700;line-height:100%">(in thousands)</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Weighted Average Share Fair Value</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">RSUs</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Granted</span></div><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(in thousands)</span></div></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Weighted Average Share Fair Value</span></td></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">RSUs subject to performance conditions</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:top"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:400;line-height:100%">(1)</span></td><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">848</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">15.46</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="2" style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">966 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.82 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.25pt solid #d0d0ce;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">RSUs subject only to service conditions</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">319</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">15.45</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">398 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">12.82 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr><tr><td colspan="6" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Non-employee director RSUs</span></td><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">104</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">15.32</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="3" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/><td colspan="2" style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">— </span></td><td style="border-bottom:0.5pt solid #000000;border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:bottom"/></tr></table></div><div style="margin-top:5pt;padding-left:18pt;text-indent:-18pt"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%">(1)</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:120%;padding-left:8pt">Shares granted are subject to performance conditions under which the target number of shares granted may vest up to 200%.</span></div> 848000 15.46 966000 12.82 319000 15.45 398000 12.82 104000 15.32 0 0 2 Statutory Information<div style="margin-bottom:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Statutory Capital Requirements</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The insurance laws of 16 jurisdictions, including Wisconsin, our domiciliary state, require a mortgage insurer to maintain a minimum amount of statutory capital relative to the RIF (or a similar measure) in order for the mortgage insurer to continue to write new business. We refer to these requirements as the “State Capital Requirements” and, together with the GSE Financial Requirements, as the “Financial Requirements.” While they vary among jurisdictions, the most common State Capital Requirements allow for a maximum risk-to-capital ratio of 25 to 1. A risk-to-capital ratio will increase if (i) the percentage decrease in capital exceeds the percentage decrease in insured risk, or (ii) the percentage increase in capital is less than the percentage increase in insured risk. Wisconsin does not regulate capital by using a risk-to-capital measure but instead requires a minimum policyholder position (“MPP”). MGIC’s “policyholder position” includes its net worth or surplus, and its contingency loss reserve.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">At September 30, 2022, MGIC’s risk-to-capital ratio was 9.4 to 1, below the maximum allowed by the jurisdictions with State Capital Requirements, and its policyholder position was $3.7 billion above the required MPP of $2.0 billion. The calculation of our risk-to-capital ratio and MPP reflect credit for the risk ceded under our reinsurance transactions. If MGIC is not allowed an agreed level of credit under either the State Capital Requirements or the financial requirements of the PMIERs, MGIC may terminate the reinsurance agreements, without penalty. </span></div><div style="margin-bottom:3pt;text-align:justify"><span><br/></span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Dividend restrictions</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">In the nine months ended September 30, 2022, MGIC paid a $400 million dividend to our holding company. In November, 2022, MGIC paid a $400 million dividend to our holding company.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">MGIC is subject to statutory regulations as to payment of dividends. The maximum amount of dividends that MGIC may pay in any twelve-month period without regulatory approval by the OCI is the lesser of adjusted statutory net income or 10% of statutory ‘policyholders’ surplus as of the preceding calendar year end. Adjusted statutory net income is defined for this purpose to be the greater of statutory net income, net of realized investment gains, for the calendar year preceding the date of the dividend or statutory net income, net of realized investment gains, for the <span style="-sec-ix-hidden:id3VybDovL2RvY3MudjEvZG9jOjY4ZjU3NTkwZjdiNzRhNjlhNmU1NGY2YzViNTkxNjUzL3NlYzo2OGY1NzU5MGY3Yjc0YTY5YTZlNTRmNmM1YjU5MTY1M185Ny9mcmFnOmI0ZGUyMjE0ZmE2NjRiM2Q4MWUzMmQxODk4NjVmMmRmL3RleHRyZWdpb246YjRkZTIyMTRmYTY2NGIzZDgxZTMyZDE4OTg2NWYyZGZfMjI4NQ_649f5edc-350e-46bb-9b7c-e5224f87942b">three</span> calendar years preceding the date of the dividend less dividends paid within the first <span style="-sec-ix-hidden:id3VybDovL2RvY3MudjEvZG9jOjY4ZjU3NTkwZjdiNzRhNjlhNmU1NGY2YzViNTkxNjUzL3NlYzo2OGY1NzU5MGY3Yjc0YTY5YTZlNTRmNmM1YjU5MTY1M185Ny9mcmFnOmI0ZGUyMjE0ZmE2NjRiM2Q4MWUzMmQxODk4NjVmMmRmL3RleHRyZWdpb246YjRkZTIyMTRmYTY2NGIzZDgxZTMyZDE4OTg2NWYyZGZfMjM3NQ_06882d1a-b2e4-4595-a62b-1d5d76f272b1">two</span> of the preceding three calendar years. The maximum dividend that could be paid is reduced by dividends paid in the twelve months preceding the dividend payment date. Before making any dividend payments, we will notify the OCI to ensure it does not object.</span></div><div style="text-align:justify"><span><br/></span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The OCI recognizes only statutory accounting principles prescribed, or practices permitted by the State of Wisconsin for determining and reporting the financial condition and results of operations of an insurance company. The OCI has adopted certain prescribed accounting practices that differ from those found in other states. Specifically, Wisconsin domiciled companies record changes in the contingency loss reserves through their income statement as a change in underwriting deduction. As a result, in periods in which MGIC is increasing contingency loss reserves, statutory net income is reduced. </span></div><div style="margin-bottom:3pt;text-align:justify"><span style="color:#003b5c;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Statutory Financial Information</span></div><div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The statutory net income, policyholders’ surplus, and contingency reserve liability of our insurance subsidiaries, including MGIC, are shown in table 14.1. </span></div><div style="text-align:justify"><span><br/></span></div><div style="margin-top:5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:33.682%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.959%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:30.204%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.249%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:30.206%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Financial information of our insurance subsidiaries (including MGIC)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table 14.1</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of and for the Nine Months Ended September 30,</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Statutory net income</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">284,084</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">194,614 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Statutory policyholders' surplus</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,231,992</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,354,268 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Contingency reserve</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">4,533,371</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,987,786 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr></table></div> 16 25 to 1 9.4 to 1 3700000000 2000000000 400000000 400000000 0.10 <div style="text-align:justify"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The statutory net income, policyholders’ surplus, and contingency reserve liability of our insurance subsidiaries, including MGIC, are shown in table 14.1. </span></div><div style="text-align:justify"><span><br/></span></div><div style="margin-top:5pt;text-align:center"><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"/><td style="width:33.682%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:0.959%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:30.204%"/><td style="width:0.1%"/><td style="width:0.1%"/><td style="width:1.249%"/><td style="width:0.1%"/><td style="width:1.0%"/><td style="width:30.206%"/><td style="width:0.1%"/></tr><tr><td colspan="15" style="padding:2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">Financial information of our insurance subsidiaries (including MGIC)</span></td></tr><tr><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:7pt;font-weight:700;line-height:100%">Table 14.1</span></td><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/></tr><tr><td colspan="3" style="padding:0 1pt"/><td colspan="3" style="padding:0 1pt"/><td colspan="9" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:center"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">As of and for the Nine Months Ended September 30,</span></div></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-style:italic;font-weight:400;line-height:100%">(In thousands)</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">2022</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:center;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">2021</span></td></tr><tr><td colspan="3" style="border-top:0.5pt solid #000000;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Statutory net income</span></td><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">284,084</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td style="border-top:0.5pt solid #000000;padding:2px 0 2px 1pt;text-align:left;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">$</span></td><td style="border-top:0.5pt solid #000000;padding:2px 0;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">194,614 </span></td><td style="border-top:0.5pt solid #000000;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Statutory policyholders' surplus</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">1,231,992</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">1,354,268 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt;text-align:left;vertical-align:bottom"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">Contingency reserve</span></td><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:700;line-height:100%">4,533,371</span><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%"> </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/><td colspan="3" style="border-top:0.25pt solid #d0d0ce;padding:0 1pt"/><td colspan="2" style="border-top:0.25pt solid #d0d0ce;padding:2px 0 2px 1pt;text-align:right;vertical-align:middle"><span style="color:#000000;font-family:'Roboto',sans-serif;font-size:8pt;font-weight:400;line-height:100%">3,987,786 </span></td><td style="border-top:0.25pt solid #d0d0ce;padding:2px 1pt 2px 0;text-align:right;vertical-align:middle"/></tr><tr style="height:3pt"><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/><td colspan="3" style="border-top:0.5pt solid #000000;padding:0 1pt"/></tr></table></div> 284084000 194614000 1231992000 1354268000 4533371000 3987786000 EXCEL 71 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx M4$L#!!0 ( %&"8E4'04UB@0 +$ 0 9&]C4')O<',O87!P+GAM M;$V./0L",1!$_\IQO;=!P4)B0-!2L+(/>QLOD&1#LD)^OCG!CVX>;QA&WPIG M*N*I#BV&5(_C(I(/ !47BK9.7:=N')=HI6-Y #OGDK7A.YNJQ<&4GPZ4A!0W_J=0U[R;UEA_6\#MI7E!+ P04 M " !1@F)5V++^L.X K @ $0 &1O8U!R;W!S+V-O&ULS9+! 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mtg-20220930.htm 4 [dqc-0015-Negative-Values] Fact us-gaap:IncurredClaimsPropertyCasualtyAndLiability has a value of -105054000 which is less than zero. This element should not have a negative value. The preparer should consider if the value is input correctly for this assertion and, after considering the appropriateness of the input, if incorrect, input the amount as a positive (i.e., absolute) value and provide a negated label. The properties of this us-gaap:IncurredClaimsPropertyCasualtyAndLiability fact are: Context: i6be677166ca94717a60241de1f9344ee_D20220701-20220930, Unit: usd, Rule Element Id: 1312. mtg-20220930.htm 4 [dqc-0015-Negative-Values] Fact us-gaap:IncurredClaimsPropertyCasualtyAndLiability has a value of -223426000 which is less than zero. This element should not have a negative value. The preparer should consider if the value is input correctly for this assertion and, after considering the appropriateness of the input, if incorrect, input the amount as a positive (i.e., absolute) value and provide a negated label. The properties of this us-gaap:IncurredClaimsPropertyCasualtyAndLiability fact are: Context: i2d33380c54384702ba829e65eb4cbd50_D20220101-20220930, Unit: usd, Rule Element Id: 1312. mtg-20220930.htm 4 [dqc-0015-Negative-Values] Fact us-gaap:BenefitsLossesAndExpenses has a value of -21468000 which is less than zero. This element should not have a negative value. The preparer should consider if the value is input correctly for this assertion and, after considering the appropriateness of the input, if incorrect, input the amount as a positive (i.e., absolute) value and provide a negated label. The properties of this us-gaap:BenefitsLossesAndExpenses fact are: Context: i6be677166ca94717a60241de1f9344ee_D20220701-20220930, Unit: usd, Rule Element Id: 368. mtg-20220930.htm 4 [dqc-0015-Negative-Values] Fact us-gaap:PolicyholderBenefitsAndClaimsIncurredGross has a value of -112435000 which is less than zero. This element should not have a negative value. The preparer should consider if the value is input correctly for this assertion and, after considering the appropriateness of the input, if incorrect, input the amount as a positive (i.e., absolute) value and provide a negated label. The properties of this us-gaap:PolicyholderBenefitsAndClaimsIncurredGross fact are: Context: i6be677166ca94717a60241de1f9344ee_D20220701-20220930, Unit: usd, Rule Element Id: 1978. mtg-20220930.htm 4 [dqc-0015-Negative-Values] Fact us-gaap:PolicyholderBenefitsAndClaimsIncurredGross has a value of -242861000 which is less than zero. This element should not have a negative value. The preparer should consider if the value is input correctly for this assertion and, after considering the appropriateness of the input, if incorrect, input the amount as a positive (i.e., absolute) value and provide a negated label. The properties of this us-gaap:PolicyholderBenefitsAndClaimsIncurredGross fact are: Context: i2d33380c54384702ba829e65eb4cbd50_D20220101-20220930, Unit: usd, Rule Element Id: 1978. mtg-20220930.htm 4 [dqc-0015-Negative-Values] Fact us-gaap:ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumed has a value of -97000 which is less than zero. This element should not have a negative value. The preparer should consider if the value is input correctly for this assertion and, after considering the appropriateness of the input, if incorrect, input the amount as a positive (i.e., absolute) value and provide a negated label. The properties of this us-gaap:ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumed fact are: Context: i8c93cf3323f4491fb61825616f72bf10_D20210701-20210930, Unit: usd, Rule Element Id: 5458. mtg-20220930.htm 4 [dqc-0015-Negative-Values] Fact us-gaap:ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumed has a value of -340000 which is less than zero. This element should not have a negative value. The preparer should consider if the value is input correctly for this assertion and, after considering the appropriateness of the input, if incorrect, input the amount as a positive (i.e., absolute) value and provide a negated label. The properties of this us-gaap:ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumed fact are: Context: i2d33380c54384702ba829e65eb4cbd50_D20220101-20220930, Unit: usd, Rule Element Id: 5458. mtg-20220930.htm 4 [dqc-0015-Negative-Values] Fact us-gaap:ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumed has a value of -43000 which is less than zero. This element should not have a negative value. The preparer should consider if the value is input correctly for this assertion and, after considering the appropriateness of the input, if incorrect, input the amount as a positive (i.e., absolute) value and provide a negated label. The properties of this us-gaap:ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumed fact are: Context: ife4722da480449a4a080e4c452668a6b_D20210101-20210930, Unit: usd, Rule Element Id: 5458. mtg-20220930.htm 4 [dqc-0015-Negative-Values] Fact us-gaap:ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded has a value of -7360000 which is less than zero. This element should not have a negative value. The preparer should consider if the value is input correctly for this assertion and, after considering the appropriateness of the input, if incorrect, input the amount as a positive (i.e., absolute) value and provide a negated label. The properties of this us-gaap:ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded fact are: Context: i6be677166ca94717a60241de1f9344ee_D20220701-20220930, Unit: usd, Rule Element Id: 3415. mtg-20220930.htm 4 [dqc-0015-Negative-Values] Fact us-gaap:ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded has a value of -7360000 which is less than zero. This element should not have a negative value. The preparer should consider if the value is input correctly for this assertion and, after considering the appropriateness of the input, if incorrect, input the amount as a positive (i.e., absolute) value and provide a negated label. The properties of this us-gaap:ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded fact are: Context: ie878d73ca25344fca10003d0c3556eea_D20220701-20220930, Unit: usd, Rule Element Id: 3415. mtg-20220930.htm 4 [dqc-0015-Negative-Values] Fact us-gaap:ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded has a value of -3598000 which is less than zero. This element should not have a negative value. The preparer should consider if the value is input correctly for this assertion and, after considering the appropriateness of the input, if incorrect, input the amount as a positive (i.e., absolute) value and provide a negated label. 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