text: [5] Includes mutual fund assets. 
  
  [6] Mutual funds are owned by the shareholders of those funds and not by the Company. As a result they are not reﬂected in total assets on the Company’s 
  balance sheet. 
  
  [7] Excludes results of the Other Operations segment. 
  
  [8] 2001 includes the impact of September 11. Excluding the impact of September 11, 2001 combined ratio was 103.4. 
  
  [9] U.S. Industry Combined Ratio information obtained from A.M. Best. Combined ratio for 2001 is an A.M. Best estimate prepared as of January 2002. 