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Significant underwriting profits, combined with record realized gains, contributed to very significant growth in statutory or regulatory capital in , with the result that each of our major underwriting companies has capital adequacy well in excess of its rating level.
The table below shows you the breakdown of our year-end float for the past five years. Total Insurance Canadian U. The runoff float decreased due to the payment of claims. Taking all these components together, total float increased by 7. Reserving As previously discussed, we took considerable reserve strengthening in The action we took dealt primarily with reserves related to runoff, latent asbestos claims and reinsurance business written during to and we do not believe it is reflective of the strength of our current book of business.
Our reserving record in Canada has been excellent an average reserve redundancy of 2. Unfortunately, your Chairman accelerated the losses in by strongly recommending the download of RSKCo, which magnified the losses in the U. With reduced costs in the U. The other operating units Canada, U.
We are working diligently to help Karen Murphy and her management team to restore profitability at Lindsey Morden. In the meantime, we are providing financial support as and when needed. Below we show our year-end financial position compared to the end of We have a high priority to reduce these financial leverage ratios meaningfully in the next three years.
Our experience in has highlighted again the importance of a strong balance sheet and significant cash positions in the holding company.
Our policy will always be to maintain large cash and marketable security positions in the holding company. Of course, now that OdysseyRe and Northbridge are public companies, they have access to the public markets for financing i. This is a very important source of financial flexibility even though we have no current plans to use it.
We hope we do as well when we are positive about the markets!! You can see it has been an important source of earnings for our company. Given the high stock valuation levels, low treasury yields, unattractive credit spreads and continued risks that we have discussed in previous Annual Reports a possible run on mutual funds, bonds collateralized with consumer debt, unfunded pension liabilities and the huge increase in the use of derivatives , we have almost half of our investment portfolio in cash and short term investments and the majority of our bond portfolio in government bonds.
The unprecedented conservatism in our portfolio reflects the uncertain times that we live in and also positions us to take advantage of attractive investment opportunities. It seems to us that securitization or the creation of these asset-backed bonds eliminates the incentive for the originator of the loan to be credit sensitive.
Take the case of an automobile dealer. Prior to securitization, the dealer would be very concerned about who was given credit to download an automobile. With securitization, the dealer almost does not care as these loans can be laid off through securitization. These asset-backed bonds are rated based on their historical loss experience record which will likely be very different in the future — particularly if we experience difficult economic times.
Also, in the main, these asset- backed bonds are a creation of the s, a period when the U. This is not a small problem. In fact, as of December 31, , there were more than 2, asset-backed issues rated AAA — significantly more than the 13 U.
Who is downloading these bonds? Insurance companies, money managers and banks — in the main — all reaching for yield given the excellent ratings for these bonds.
What happens if we hit an air pocket? Unlike active companies, the vehicles issuing these bonds have no management organization and are dependent on the goodwill of the originating company. Rebecca Chalker. The Ultimate Guide to Sex and Disability.
Cory Silverberg. The Boudoir Bible. Betony Vernon. A Sex Guide For Men. The Little Black Book of Sex. Ruth Cullen. The Mystery of Joyful Sex. Ejaculation Mastery. Al Link. Sex Made Easy. Debby Herbenick.
Gay Sex, Gay Health. Dr Alex Vass. The Dick Book.
Tuning Your Favorite Body Part. Micha Schulze. Why Men Fake It. Abraham Morgentaler MD. The Editors of Liberator.
Julie Metzger. Dear Playboy Advisor. Chip Rowe. Ernie Coyne. Ann Summers. American Medical Association. The Prostate Massage Manual: Ronald M Bazar.
Freeing Yourself from Pelvic Pain. Claudia Amherd. Tantra Yoga and Ejaculation Control. Alfredo Alejandro Careaga. The Anthropology of Sex. Hastings Donnan. Sunfood Cuisine. Frederic Patenaude. Brief Encounters: The Women's Guide to Casual Sex. Emily Dubberley. So many men and women enter marriage with ignorance. Many believe that things will happen naturally. Ignorant as he was, he felt her pubic bone above the vagina and immediately told her she had a bone in place of the vagina.
Although she was a nurse, she started having doubts about herself and came in for an examination.
Some blissfully think they have entered the vagina until their wife tells them otherwise; actually, they were having intercourse between the thighs.
Occasionally, everything is set but luck has it otherwise. After an impressive wedding ceremony and reception, a couple headed to Singapore for their honeymoon. Comfortable in their hotel room, he told her to change while he went out to take a look at the shops. On returning, he found her looking very desirable in her negligee. He unzipped his trousers in a hurry but unfortunately, the skin of his penis got caught in the zip.
After many painful attempts to extricate himself, he called for a doctor who rushed him to hospital. The rest of the honeymoon was spent with a bandage round his penis! Misconceptions can play havoc. Th ere was a young man who did not consummate his marriage because he firmly believed that vaginal hair would entangle his penis and injure it severely!
There was another who believed that because menstruation occurs through the vagina, it is a dirty place and so he dreaded going near it. What he did not understand is that the vagina is lined by cells which maintain the pH balance and keep it clean.
In fact, experiments indicate that there are more germs in the mouth transferred by kissing than in the vagina.