Liability for Unpaid Loss and Loss Adjustment Expense	6 Months Ended
	Jun. 30, 2013
Liability for Unpaid Loss and Loss Adjustment Expense
Liability for Unpaid Claims and Claims Adjustment Expense Schedule, Discussion	(6) Liability for Unpaid Loss and Loss Adjustment Expense In the first six months and second quarter of 2013, we recognized favorable net loss development of $9.5 million in our U.S. Surety & Credit segment and $2.3 million in our International segment, resulting from our quarterly review of reserves. Our second quarter review indicated that continued lower than expected claims activity related to older underwriting years was contributing to a growing redundancy in our U.S. Surety & Credit segment. As a result, we recognized favorable net development of $3.7 million and $5.8 million for our surety and credit lines of business, respectively, related to the 2010 and prior underwriting years. In the International segment, we released prior year catastrophe reserves related to the 2010 New Zealand earthquake, due to settlement of these claims in 2013. We recognized no loss development in the first six months or second quarter of 2012. A recent ruling against another insurance company by the Spanish supreme court regarding a specific class of Spanish surety bonds, which are similar to those written by our Spanish subsidiary, may result in an increase in our recorded loss reserves for surety claims in our International segment. At the present time, it is not possible for us to determine the impact, if any, on our recorded reserves until we complete our analysis of the applicability of this ruling to our bonds. The court’s ruling is expected to be published in the third quarter of 2013.