A.M. Best Revises Outlook to Stable and Affirms Ratings of United Fire Group, Inc. and Its Subsidiaries
A.M. Best Upgrades Ratings of Versant Life Insurance Company
A.M. Best Affirms Ratings of State Automobile Mutual Insurance Company and Its Operating Subsidiaries; Revises Outlook to Negative
A.M. Best Revises Outlook to Stable for Ratings of United Equitable Insurance Company and American Heartland Insurance Company
A.M. Best Withdraws Ratings of Capital District Physicians’ Health Plan, Inc. and Its Subsidiary
A.M. Best Affirms Ratings of Prudential Financial Inc. and Its Subsidiaries
A.M. Best Upgrades Ratings of Liberty Bankers Life Insurance Company and its Subsidiaries
Good day ladies and gentlemen and welcome to the Flagstone Reinsurance Holdings' Fourth Quarter 2010 Earnings Conference Call. My name is Francine and I will be your coordinator for today. At this time, all participants are in listen-only mode. We will be facilitating a question-and-answer session towards the end of today's conference. (Operator Instructions). As a reminder, this call is being recorded for replay purposes.