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Most species of conifers are of pine trees, spruce trees, year, producing woody cones, and.
Most species of conifers are of pine trees, spruce trees, year, producing woody cones, and.
Risks Related to Our Business and Industry. Also, many of our policies limit the period during which a policyholder may bring a claim under the policy, which in many cases is shorter than the statutory period under which such claims can be brought against our policyholders. We cannot assure you that we will declare or pay dividends on our common shares in the future so any returns may be limited to the value of our stock. In addition, in view of the earnings and capital pressures recently experienced by many financial institutions, including insurance companies, it is possible that rating organizations will heighten the level of scrutiny that they apply to such institutions, will increase the frequency and scope of their credit reviews, will request additional information from the companies that they rate and may increase the capital and other requirements employed in the rating organizations' models for maintenance of certain ratings levels.