Turning to the growth, net premiums grew 12% during the year. You will recall back in the first quarter we said full-year premium growth would range between upper single digit to low double-digit. Revenue and earnings during the year benefited from three acquisitions at the end of ’10, the largest being Rain and Hail. We had a good year in agriculture, including crop insurance, and this contributed 1.4 billion in premium revenue growth and produced a combined ratio of 91%.

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