¹The Company uses a non-GAAP financial measure called “operating
income/loss” that management believes is useful to investors because it
illustrates the performance of our normal, ongoing operations, which is
important in understanding and evaluating our financial condition and
results of operations. While this measure is consistent with measures
utilized by investors to evaluate performance, it is not a substitute
for the U.S. GAAP financial measure of net income/loss. The difference
between net income/loss and operating income/loss is that operating
income/loss does not include realized investment gains/losses.
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