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Hartwig, Ph.D., CPCU, President & Economist Insurance Information Institute 110 William Street New York, NY 10038 Tel: 212.346.5520 Cell: 917.453.1885 bobh@iii.org www.iii.org\668Z$8Z6JD   o"Zzh3f!y___PPT10Y+D=' = @B +    D (  D` D  p@m8?Title 19W  1 vFlorida s Auto No-Fault Fraud Problem = Florida s Fraud Tax <t D   m8?,Content Placeholder 2[b 1>6___PPT9 HFlorida Has a Huge and Rapidly Growing Auto No-Fault Fraud Problem The Cost to Insurers to Cover Out-of-Control No-Fault Fraud is Rising by 70% per Year These Costs Will Eventually Be Passed Along to Florida Drivers This Cost Constitutes a  Fraud Tax that is Lining the Pockets of Certain Unscrupulous Medical Providers and their Attorneys and Will Ultimately Be Borne by Florida s Drivers If Nothing is Done to Address the Problem, No Fault Fraud Costs Will Approach $1 Billion in 2011"  @` D nm?&Date Placeholder 3!6j  l12/02/09 - 6pm0U   M D rm?*Footer Placeholder 4!k   :eSlide  P6466  iii template8U   ) D ~'m?6Slide Number Placeholder 5a*D  j*8U    o"Zzh3f!___PPT10i.cwC+D=' = @B +"B  I A H) (  H" H  p@%m8?Title 19W  1 ^8Florida s Anti-Fraud Statute  H  k8?,Content Placeholder 2[ 1^V___PPT980 Insurers required to investigate suspected fraud. Florida Statute (Section 626.9891) requires insurers with $10 million or more in direct premiums annually to have either an in-house unit or contract with an outside entity to investigate possible fraudulent claims. Insurers with less than $10 million in direct premiums must adopt an anti-fraud plan. Insurers anti-fraud plans must detail procedures for: Detecting and investigating possible fraudulent acts. 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J2h@2ZgCV2T P{HD񄬈0P12=. Y>BC]Hؘ;wec-A)29gĖ's|7۶FUдYoVkBeÝ,ߺb 8z(Zqr- uּE~!!0n+ow]'5F;b/Z?ϙUATkƦ56 Ȭdsփ~غ>ZϿGYsg=l iOS'fʎiOwGE85 6XZ}PK!RSDdrs/downrev.xmlDN0EH5HãUՇ* $#ۤI X^ݫsu&6#c qJn~"DdcR0PbvG^SH9*cls)CQ0r-qJ-}%cFe٣h8=kMac~_e׏`v~X*u}տ<֭_ A+Hn4YPK-!Zf[Content_Types].xmlPK-!1_a /_rels/.relsPK-! 3*drs/shapexml.xmlPK-!RSDN drs/downrev.xmlPKS * 1 The National Insurance Crime Bureau (NICB) calls a questionable claim (QC) one that is referred to their organization for closer review and investigation based on one or more indicators of possible fraud. A single claim may contain up to seven referral reasons. Referral reason categories of claims property, casualty, commercial, workers' compensation, vehicle and miscellaneous. The NICB has more than 1,000 members, including property/casualty insurers, self-insured organizations, and transportation-related firms.P 3%  @` L nw?&Date Placeholder 3!6j  l12/02/09 - 6pm0U   M L rw?*Footer Placeholder 4!k   :eSlide  P6466  iii template8U   ) L ~ w?6Slide Number Placeholder 5a*D  j*8U    o"Zzh3f!___PPT10i.cO+D=' = @B +" In '@ (    dw?Rectangle 105!6j l12/01/09 - 9pm0U   r  d`P|?Rectangle 106!k ~eSlide  P6466  The Financial Crisis and the Future of the P/C@8U@  @   dQ|?Rectangle 110a*D j*8U   l   xR|8?Rectangle 29PW  1 HFlorida Casualty Referrals for Fraud: 1st Half 2010 vs. 1st Half 20096I*  IF  fS|?Rectangle 4 N Sources: National Crime Bureau; Information Institute. 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Claim Severities Are Up Sharply. 8 _  X  f z?Rectangle 5 D Source: ISO/PCI Fast Track data; Information Institute.4E6Z  '  EGT  C  z0e0eGxHdo?AutoShape 73" @PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!RYdrs/downrev.xmlDAK@aM#Nb1V4;Mٰw{|o2lCa<@TδR#mB$19a#MOO&TwױV " &ƾ:T [ #׳n缥tHpI)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!,drs/downrev.xmlDMK@@aXP$v[~ i&nۤg7[ S; $E Mqv*1z]d` sݚk%r40֩jamYXkq/ri]j lZ;~hjS^dz0d4rW`ERglm) =PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!,drs/downrev.xmlPK  H,$D 1 LFL has the 4th highest auto no-fault average claim cost (severity) in the USDM68Z2  ? 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Claim Severity Rose 63% in 5 years after 1997 Presbyterian Decision(I68Z2I I c    ~u{0e0eGKHY$o?AutoShape 7#"@PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!E:drs/downrev.xmlD1O0Fw$uHl!B u+R`@20^K#4 ;Ool+CX$A\:pYc`c];:c-C L]!e( Y 'V9o1R{ܶ2ϲ{i`seLgU8ۍ"Oǧu_իN-9e+#.<* %(D' =-u6Bwipe(right)*<3<* D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<*%(D' =+4 8?RCBBCB#ppt_wB*Y3>B ppt_w<*D' =+4 8?RCBBCB#ppt_hB*Y3>B ppt_h<*D' =%(` DF' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* %(D' =-u6Bwipe(right)*<3<* D' =%(DF' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* %(D' =-u6Bwipe(right)*<3<* ++0+1 ++0+ 1 ++0+ 1 ++0+ 1 +"! Ѻ g_ /(    d*z?Rectangle 105!6j  l12/01/09 - 9pm0U     dw{?Rectangle 106!k   ~eSlide  P6466  The Financial Crisis and the Future of the P/C@8U@  @   dy{?Rectangle 110a*D  j*8U   >   x z{8?Rectangle 29*XW  1 rLFlorida No-Fault (PIP) Liability: Frequency and Severity Trends Are Adverse* M~  BA ??Object 3P8  P  f`V|?Rectangle 4" B. Source: ISO/PCI Fast Track data; Information Institute6C60U  &  C '  f`\|?Rectangle 5"@ !Annual Change, 2006 through 2010*"0Z""Zz "H    ~_|hZdh1?Rectangle 63" @PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!ڤzdrs/downrev.xmlDN0 HCe$.K``e4!m8k:KBp~7_-z ^XBA^Zl''J\ͱ4or]pO%*9wI[rơ#lkxr׊)aŎ,ͧSpQjdgVPd G &Ɍ}vϧؘ5LQ_ؗ97PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!ڤzdrs/downrev.xmlPK bl{,$D 1 XBoth the Number and Average Cost of FL No-Fault Claims Are Rising Rapidly"Y8 _Y Y M    3 |{0e0eGdHQM0xM e`|X}đ I`߽N4aG2$RKIZ)4(M9`ctB{m:f@`3n|O,ܗr޾jxR0T ,0@}WBLǬ5vPK!  drs/shapexml.xmlUKo8/ubT)`][q#XS@R_áhŢAÙo^?~ךʚ>9FBƿ<8L}laxy*fyQH{u5u^㤗&@@G Ie=2urQ_v+TX}.`4xSJ Vl}fcf#ٷJBA#LGxѥ3dY-kAl_+$}kE;,>;sv@t`0G0*iT1N3JY/!᳴WbPdRGڶ҇lSt%ۀXh6 Kh0P `Y8ɼIi}mU,֝c5ۡOQ;qdNt2S u TD_A!dUUev; ;3OU+ð3>% 2NSMYl DGBkǴ3>Kh9؟ 9I`dYbSaXBD8qF#s-A_`oq70.>ôk#25e(+,ڶ7Ds.5XqYRi3nE":c$q.^x #0 Sl7]EH-hՍ]9kK F8. iOVD?MwZ駜K廍R_8"Ǜ.t͍ī!|Ǒ5ܳ}xwBx[h QӑPK!Omjdrs/downrev.xmlDNA@&CL!%2v0[ǪWy7[ֈz`<@+n]`} F)(b~y1\ЩH`9*hRr)cِ89f:Ȼ,H vPy,t]6fyoxU"Q'+:nWWS#z1QPNerPK-!Zf[Content_Types].xmlPK-!1_a /_rels/.relsPK-!  *drs/shapexml.xmlPK-!Omj;drs/downrev.xmlPK? n$D 1:2___PPT9  OFraud is causing costs to surge in Florida, leading to higher pressure on rates(P68Z2P P   o"Zzh3f!___PPT10+:UD3' = @B D' = @BA?%,( < +O%,( < +D%' =%(%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* %(D' =+4 8?RCBBCB#ppt_wB*Y3>B ppt_w<* D' =+4 8?RCBBCB#ppt_hB*Y3>B ppt_h<* D' =%(DF' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* %(D' =-u6Bwipe(right)*<3<* +p+0+ 1 ++0+ 1 +"\" Ժ  (    d}?Rectangle 105!6j  l12/01/09 - 9pm0U     d }?Rectangle 106!k   ~eSlide  P6466  The Financial Crisis and the Future of the P/C@8U@  @   d@}?Rectangle 110a*D  j*8U   3   x`}8?Rectangle 29*XW  1 gAFlorida No-Fault (PIP) Claim Severity Is Trending Sharply Upward* B~  BA ??Object 3P8    f}?Rectangle 4n *Claim frequency is defined as the number of claims per 100 earned car years. Source: ISO/PCI Fast Track data; Information Institute660U^  &     f}?Rectangle 5"@I y2008:Q4 through 2010:Q38Z"Zz Ht    ~}hZdh1?Rectangle 63" @PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!Idrs/downrev.xmlDJ1F"6k n"EͶdMv;zf܍ u0nA`<)8Sb '~k%>ܕ&a<*DXK宕㢘J;zOEwo?|o,RWz"Ӑé Vm &Ɍ}{lS/PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!Idrs/downrev.xmlPK bl{,$D 1 9The Average Cost of FL No-Fault Claims Is Rising Rapidly":8 _: :     3 }0e0eGcHPX0xM e`|X}đ I`߽N4aG2$RKIZ)4(M9`ctB{m:f@`3n|O,ܗr޾jxR0T ,0@}WBLǬ5vPK!] drs/shapexml.xmlUn8}_`"em1N.-8EEY)R )P>Z0!u8sʏ;vv> 3teb`UU}lx؆E̪`dj\,~+!oWA f0gͮQݭO{BX檍n]A<t$q6tL0)<{Hn+޽T ڀ9,KG_W ܀>W:*t r#=,~g?/xEvj8$P($&%$"&+obBƇYY R^TQJ[0Ƶ}dlSt)(em0C;0b691St21wQzŝ6 Ⳏ坕މ 0m.quk@?HU*} d:0SNbPIl6N?礒=TxM'ɶn`Ӆ,{v^&S*80 2z: {Uc/xatoSe #hdtX 3p.E4-L=J#o\Jr|cߦ s#c4F tVVΧ&u|5\̜b@OM# fuX,+ U>A~F -(+ʄoi~hd׍$!4A8҈8nT#tzEGĪYt&uS#y-* ;w;Ӟw計*AF ht(&+A4 ި&B"1]1bĴ _ CգCX/ %E^XO;PK!6Kdrs/downrev.xmlDMK1@!ElDצE  zne$q+#.<* %(D' =+4 8?RCBBCB#ppt_wB*Y3>B ppt_w<* D' =+4 8?RCBBCB#ppt_hB*Y3>B ppt_h<* D' =%(DF' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* %(D' =-u6Bwipe(right)*<3<* +p+0+ 1 ++0+ 1 +"9" ֺ   (     d }?Rectangle 105!6j  l12/01/09 - 9pm0U     d }?Rectangle 106!k   ~eSlide  P6466  The Financial Crisis and the Future of the P/C@8U@  @   d@ }?Rectangle 110a*D  j*8U   4   x` }8?Rectangle 29*XW  1 hBFlorida No-Fault (PIP) Claim Frequency Is Trending Sharply Upward* C~   BA ??Object 3P8    f }?Rectangle 4n *Claim frequency is defined as the number of claims per 100 earned car years. Source: ISO/PCI Fast Track data; Information Institute660U^  &     f}?Rectangle 5"@I y2008:Q4 through 2010:Q38Z"Zz H   ~}hZdh1?Rectangle 63" @PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!ڤzdrs/downrev.xmlDN0 HCe$.K``e4!m8k:KBp~7_-z ^XBA^Zl''J\ͱ4or]pO%*9wI[rơ#lkxr׊)aŎ,ͧSpQjdgVPd G &Ɍ}vϧؘ5LQ_ؗ97PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!ڤzdrs/downrev.xmlPK bl{,$D 1 XBoth the Number and Average Cost of FL No-Fault Claims Are Rising Rapidly"Y8 _Y Y    3  }0e0eGhHjF0xM e`|X}đ I`߽N4aG2$RKIZ)4(M9`ctB{m:f@`3n|O,ܗr޾jxR0T ,0@}WBLǬ5vPK!iA drs/shapexml.xmlUMo8/u#vu$tA"`DQjHq8cbQ ̛O|m"}fBiڬٷY&| SF-Vg"Bh烁j28+k(`V)LGóAC.`l흋s.P 5yUb zOqkH )=#w t>W ۀ1K{E-5$׏Utͱآ[bƳdļtr: 84W $&l<̈́d|qA$$Qu>|QhT"ZdϪX{%5imQևlU%(eQ iq Pt2={lQqSk}l7Y; h-aZ;8INx}30W65 q}EJfƩr4Kܣ3?PumxM'ɷ𒴊'rէ,z=Ǟ 8^cc]8E6Kx;ߦ`9P`TYֱ#g42G^%:&}h2T 2.>,ËVdc;m1rpςޠQ⾸P>h蹐ݚ+Jk%wDN^eB8R-(3n\2 w298 5WRϪUk\Ef5a{iadvwׇ-W!n/*IU;}&:ꆚZAl"'˻QL"{.ODİJT%seN-qC3p㨋-2w]r- ` Wl%7Xwڒv%K6o쭮wZo9nM.J/sKդҼ@Ɯ(J{D#p!xï_ _n>L4& ~ݎ@nvtvPK!بdrs/downrev.xmlDN0 @HCd$.,ItMS%;z[mf7B- ĭז5I"l֗+,?rM>%Ч4Rƶ'qG:<#ucAţth9q]O)M|Y>嶩vFy"ќǞ?՛-9N_c orjF ׿PK-!Zf[Content_Types].xmlPK-!1_a /_rels/.relsPK-!iA *drs/shapexml.xmlPK-!بHdrs/downrev.xmlPKIn$D 1:2___PPT9  xNo-Fault claim frequency surged by 46.2% between Q2 2008 and Q3 2010. No-fault fraud and abuse is the only explanation(y68Z2y y   o"Zzh3f!___PPT10+:UD3' = @B D' = @BA?%,( < +O%,( < +D%' =%(%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* %(D' =+4 8?RCBBCB#ppt_wB*Y3>B ppt_w<* D' =+4 8?RCBBCB#ppt_hB*Y3>B ppt_h<* D' =%(DF' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* %(D' =-u6Bwipe(right)*<3<* +p+0+ 1 ++0+ 1 +"N#  ׺ @ $(  $ $ d}?Rectangle 105!6j  l12/01/09 - 9pm0U    $ d}?Rectangle 106!k   ~eSlide  P6466  The Financial Crisis and the Future of the P/C@8U@  @  $ d`w?Rectangle 110a*D  j*8U   = $  xw8?Rectangle 29*XW  1 qKFlorida No-Fault (PIP) Pure Premiums Are Trending Sharply Upward* L~ $ BA  ??Object 3P8    $ f`Y|?Rectangle 4th  *Pure Premium is defined as the premium that is required to pay the expected loss. It excludes expenses and other costs of doing business. **Figures are for the 4 prior quarters ending in the period. Source: ISO/PCI Fast Track data; Information Institute6 60U  &    $ f}?Rectangle 5"@I {2008:Q4 through 2010:Q3**8Z"Zz H  $  ~}hZdh1?Rectangle 63" @PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!ڤzdrs/downrev.xmlDN0 HCe$.K``e4!m8k:KBp~7_-z ^XBA^Zl''J\ͱ4or]pO%*9wI[rơ#lkxr׊)aŎ,ͧSpQjdgVPd G &Ɍ}vϧؘ5LQ_ؗ97PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!ڤzdrs/downrev.xmlPK blQ,$D 1 XBoth the Number and Average Cost of FL No-Fault Claims Are Rising Rapidly"Y8 _Y Y    $ 3 }0e0eG@_HH0xM e`|X}đ I`߽N4aG2$RKIZ)4(M9`ctB{m:f@`3n|O,ܗr޾jxR0T ,0@}WBLǬ5vPK!Yۯ3 drs/shapexml.xmlUn8}_`"%u$tA"ň,);3lŢ kDΜ]mV]fL(+]z}};Yd"Dg2{U!tFY+!_"h:G5h]*]5$e. RP6UlԁĽ1ä#!յRPd@F̩g]Zv{X:F[eAE`Su2lс{\̨q_(/U2[$RLM-XMc*K,*tXh{FGݸ M#Gbi\L0O!a/MjԱ6YY?|9ŀ&W jG-Y<$W||98^>:"*=Ӭд5䃌.)T*ʰձ簪+#.<* $%(D' =+4 8?RCBBCB#ppt_wB*Y3>B ppt_w<* $D' =+4 8?RCBBCB#ppt_hB*Y3>B ppt_h<* $D' =%(DF' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* $%(D' =-u6Bwipe(right)*<3<* $+p+0+ $1 ++0+ $1 +"H#  ٺ ` ((  ( ( d}?Rectangle 105!6j  l12/01/09 - 9pm0U    ( d}?Rectangle 106!k   ~eSlide  P6466  The Financial Crisis and the Future of the P/C@8U@  @  ( d}?Rectangle 110a*D  j*8U   = (  x}8?Rectangle 29*XW  1 qKFlorida No-Fault (PIP) Pure Premiums Are Trending Sharply Upward* L~ ( BA  ??Object 3P8    ( f}?Rectangle 4th  *Pure Premium is defined as the premium that is required to pay the expected loss. It excludes expenses and other costs of doing business. **Figures are for the 4 prior quarters ending in the period. Source: ISO/PCI Fast Track data; Information Institute6 60U  &    ( f@}?Rectangle 5"@I {2008:Q4 through 2010:Q3**8Z"Zz H  (  ~}hZdh1?Rectangle 63" @PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!ڤzdrs/downrev.xmlDN0 HCe$.K``e4!m8k:KBp~7_-z ^XBA^Zl''J\ͱ4or]pO%*9wI[rơ#lkxr׊)aŎ,ͧSpQjdgVPd G &Ɍ}vϧؘ5LQ_ؗ97PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!ڤzdrs/downrev.xmlPK blQ,$D 1 XBoth the Number and Average Cost of FL No-Fault Claims Are Rising Rapidly"Y8 _Y Y    ( 3 `~0e0eG@_HH0xM e`|X}đ I`߽N4aG2$RKIZ)4(M9`ctB{m:f@`3n|O,ܗr޾jxR0T ,0@}WBLǬ5vPK!x- drs/shapexml.xmlUn8}_`"%u$tA"ň,);3lŢ kDΜ]mV]fL(+]z}};Yd"Dg2{U!tFY+!_"h:G5h]*]5$e. RP6UlԁĽ1ä#!յRPd@F̩g]Zv{X:F[eAE`Su2lс{\̨q_(/U2[$RLM-XMc*K,*tXh{FGݸ M#Gbi\L0O!a/MjԱ6YY?|9ŀ&W jG-Y<$W||98^>:"*=Ӭд5䃌.)T*ʰձ簪XL+#.<* (%(D' =+4 8?RCBBCB#ppt_wB*Y3>B ppt_w<* (D' =+4 8?RCBBCB#ppt_hB*Y3>B ppt_h<* (D' =%(DF' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* (%(D' =-u6Bwipe(right)*<3<* (+p+0+ (1 ++0+ (1 +"B  ں 00 ,(0(  , , d~?Rectangle 105!6j  l12/01/09 - 9pm0U    , d ~?Rectangle 106!k   ~eSlide  P6466  The Financial Crisis and the Future of the P/C@8U@  @  , d@~?Rectangle 110a*D  j*8U    ,  x`~8?Rectangle 29*XW  1 Florida s No-Fault Fraud Tax: Estimated Cost per Insured Vehicle, 2009-2011F M~ , BA  ??Object 3P8    , f~?Rectangle 4^n a*2010 estimate is based on data through Q3:2010. 2011 forecast is based on an assumed increase in pure premium of 25% (pure premium increased 27% in the 4 quarters ending with 2010:Q3). Source: Information Institute calculations and research. 60U    , f~?Rectangle 5"@<wE uFraud Tax Per Vehicle0Z"Zz H  ,  ~~hZdh1?Rectangle 63" @PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!S _drs/downrev.xmlDN0 HCd$.0ibe4!^5MRе<=|_-VkEO15+ `_+x=]߁H6xR0Rl 'ʵJT`sJ)0MBG!DXK宕E1,v`IWNG0xM e`|X}đ I`߽N4aG2$RKIZ)4(M9`ctB{m:f@`3n|O,ܗr޾jxR0T ,0@}WBLǬ5vPK!h drs/shapexml.xmlUn6}/ Zd}i8:$hEg`DQ)p(_hbm҈<9sOFrf> 3Em4>)H[٫٧_|+pY;Ϫ`el J tAW&PF٠dPe֋EI~Y;Q*ؼ]T*1=( $\ &0"TWٗJQ Z0-=viqOك_ꩪc4۔9[cRlbLygp th6AHƓtbt>'Eᳲ<{QR=(nHkvw>ٳˢ!F(Iѽ!촥49Qڰ차􈅳³۳<+['h-a\F;?IN_|:"$#.)FSgWTl2Gڬ?SLSյ(y69MUl>>dѲ6G57 ƼW ]7 ˱0ˁjd8MEؤqt͵-^o4na??8_q1:=Edde] {}XWʶՐu(m*)_NB+3nJkWDN^eBcvl U㢕Q𭼗!Ŷ`0kU@b*yJyfwvw g!n*Ib?xyLu-5#"Ȼ/RYM"NOdĴRꚺ%seN.pE#8"Ayf`"^ 2R.D@pVron]?37Y[\.4R:jTe._AW#`~k̉ؐu.ųHg^ؽ|fK-!ܙOoؤ7`gn;x]~PK!b!drs/downrev.xmlDMK1@BC7UЖib'x7,In87w:Qg qmÕvy33Plp53I  )uֱaXX$c xk]=h ˇ;ZT|m8waYws[MjO}ʗ?ZYiƘ( =PK-!Zf[Content_Types].xmlPK-!1_a /_rels/.relsPK-!h *drs/shapexml.xmlPK-!b!Udrs/downrev.xmlPKX N n$D 1:2___PPT9  BIn 2010, the average Florida driver s fraud tax was $48.62 per vehicle. This means that the fraud tax on a typical family with 2 cars was nearly $100 last year.(68Z2  Q  , C  ~0e0eGX3H6wdo?AutoShape 73" @PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!G Xdrs/downrev.xmlDOk1GCBo5kRFJQq3ndD7~qxfl;vw& +Z)#nfX+?5ejYXR_sM ;`13\vܢqeAcO/Ti;_5DA@+PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!G Xdrs/downrev.xmlPK` * h,$D 1 n+80.7%&68Z2  Q  , C ~0e0eGX3H6wdo?AutoShape 73" @PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!%drs/downrev.xmlDMk10jVRF8nb2YC{yy8SgIN=5ZϤBVڏs:Q$kT`Rj)ckaS9C'uȝK=m |ntlrcߧ rڣ]Zf ϗ}cĕԂ@.PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!%drs/downrev.xmlPKl,$D 1 n+72.3%&68Z2  8   , 3 `0e0eGfHm0xM e`|X}đ I`߽N4aG2$RKIZ)4(M9`ctB{m:f@`3n|O,ܗr޾jxR0T ,0@}WBLǬ5vPK!0- drs/shapexml.xmlUn8}_@H} I.-8EEY)R )P.P,jF̙+?~6Vltƻ|Kqx{4"&p%XB(?]c{[]hNuoýʇ~ը :j Ǝ%re{HR_6A̤pРͫ.e s9AHΫuaRxF~ !UPFd@Fi]^QH]6IcpBs(7Jlrvv69c^d6;>;!pI(LD E|2" 1}`Z-.WAt.۰>P~HQ5S+Џ8sL1x6я?Pk >=TsQYyXc^76c!A),\*o'ɘ_b44 pc jOOCn|!yN*@'8QN} W}Ȳuj + *y {`3aMQ /SJet:⦫ 3p(E4=LMJ#m}B |c#4'ؖ8UC^ژCma6sM6 , 5.WbiK(uwq!e;w|.]qEmӬ|9r5.[EBlսJpu3d*vgѾZAVE-*w: Qt-gnQ^Z]^hMR-4,jQETVJgN1bZS&g\K1S ju!B:4A7x0kd%):}0{`XۚWRq;X.MH]qq:/9&ݝTe._v/Ѱy߸# 9*b?#1D5]o[~Uԟ30#ŻUE Ұy=3#Goy c'PK!Tz1QPq PK-!Zf[Content_Types].xmlPK-!1_a /_rels/.relsPK-!0- *drs/shapexml.xmlPK-!0n$D 1:2___PPT9  &If nothing is done to address Florida s runaway no-fault fraud problem, the fraud tax per vehicle could rise to $83.79 in 2011 an increase of 72.3%(68Z2  O@ , , , , o"Zzh3f!}u___PPT10U+D`D!' = @B D' = @BA?%,( < +O%,( < +D' =%(%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* ,%(D' =+4 8?RCBBCB#ppt_wB*Y3>B ppt_w<* ,D' =+4 8?RCBBCB#ppt_hB*Y3>B ppt_h<* ,D' =%(DF' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* ,%(D' =-u6Bwipe(right)*<3<* ,D' =%( DD' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* ,%(D' =-s6Bwipe(down)*<3<* ,D' =%(<DD' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* ,%(D' =-s6Bwipe(down)*<3<* ,D' =%(DF' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* ,%(D' =-u6Bwipe(right)*<3<* ,++0+ ,1 ++0+ ,1 ++0+ ,1 ++0+ ,1 ++0+ ,1 +"BA  ݺ E/=/ 0.(  0 0 da?Rectangle 105!6j  l12/01/09 - 9pm0U    0 db?Rectangle 106!k   ~eSlide  P6466  The Financial Crisis and the Future of the P/C@8U@  @  0 dc?Rectangle 110a*D  j*8U    0  xd8?Rectangle 29*XW  1 Florida s No-Fault Fraud Tax: Estimated Aggregate Annual Cost, 2009-2011F ($ Millions)$W> W~ 0 BA  ??Object 3PT    0 ff?Rectangle 4V *2010 estimate is based on data through Q3:2010. 2011 forecast is based on an assumed increase in pure premium of 25% (pure premium increased 27% in the 4 quarters ending with 2010:Q3). Estimates assume 11.288 million insured vehicles in FL in 2009-2011 (11.288 million is 2008 actual figure from AIPSO). Source: Information Institute calculations and research from ISO/PCI and AIPSO data. 60U    0  ~ ghZdh1?Rectangle 63" @PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!S _drs/downrev.xmlDN0 HCd$.0ibe4!^5MRе<=|_-VkEO15+ `_+x=]߁H6xR0Rl 'ʵJT`sJ)0MBG!DXK宕E1,v`IWNG0xM e`|X}đ I`߽N4aG2$RKIZ)4(M9`ctB{m:f@`3n|O,ܗr޾jxR0T ,0@}WBLǬ5vPK!a drs/shapexml.xmlUn8}_`"%vU$tA"ň,)c;3/CC3gqQ>hgln e+]ٗ燋Lʳ Ǜ?C+ 6`d\,U7ӯWA 5f0 hݠ*Y$y. RР.e ٠%< 3ä@BXw_][k Ȁ ӞEviH9 uQJZZG|[\nU"h<.Ɠr8$0W($p>! A['Φ%HQr`" EdlU9(Uc0E0b6.S3\?dkDiϟ{(1Xx_t(<uXC^W #@J,T*oH'Ӂѐ_b44 pC Jj)>n>t`K3㿞V`l (j'RF>ddس5w=E '^5 ^u"dے$KTUaQ[R$iXwܑqXd.N?҄;εS hr5T$<`6X׸m1T3˷i ί@l( LMgcg%Hոl% 2>qS0;U @Qq[,:U+4;j9D-ߞ{@GEܵ3dQhCGr >(ٷɜ>j",!cֱգM,+eղϿ"wiƥ=t3/naxw4UzK$^9 j_P/O23cMTIqO0 ~$~*h -ϩ|uPK!/6drs/downrev.xmlDN0 @HCd$n,BeSAL`M$z,p7_Sz60d+o[ .n@ńlLa8=cn74lSD1GMJ}ur''a1_NƜ-Dc?^Hn}`L FR^PK-!Zf[Content_Types].xmlPK-!1_a /_rels/.relsPK-!a *drs/shapexml.xmlPK-!/6=drs/downrev.xmlPK@f` n$D 1:2___PPT9  \The total fraud tax levied on Florida vehicle owners was and estimated $549 million in 2010.(]68Z2] ] Q  0 C i0e0eGX3H6wdo?AutoShape 73" @PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!G Xdrs/downrev.xmlDOk1GCBo5kRFJQq3ndD7~qxfl;vw& +Z)#nfX+?5ejYXR_sM ;`13\vܢqeAcO/Ti;_5DA@+PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!G Xdrs/downrev.xmlPK ,$D 1 n+80.7%&68Z2  S  0 C @k0e0eGHgdo?AutoShape 73" @PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!~]drs/downrev.xmlDOk@GaCI](=xQ+NcfUC{~ŪF\);I\u*9i4ޑ;EX-܎T X:25Yߑcvb3TRgLZl/Ѻ_f}lw^Q "Q5?zܒ8ݿBwǩ@.PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!~]drs/downrev.xmlPK z,$D 1 n+72.3%&68Z2  8   0 3 `l0e0eGbH8e0xM e`|X}đ I`߽N4aG2$RKIZ)4(M9`ctB{m:f@`3n|O,ܗr޾jxR0T ,0@}WBLǬ5vPK!5 drs/shapexml.xmlUn8}_@Hۉu$tA"ň,)wf(_EiDΜMcZhS)S4n9oOR띞w|jgxY;uJl0 *H6];N '/Q[/@”e,m^u/jhAx@w^b23pW!ZCY0-=rDxǗȵVOI٦ ͱH*tx/n8q$0gPًLmGh.uZw݆]LdlY9P5X182C bs^`ϟ(odžXL(+#.<*0%(D' =+4 8?RCBBCB#ppt_wB*Y3>B ppt_w<*0D' =+4 8?RCBBCB#ppt_hB*Y3>B ppt_h<*0D' =%(DF' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* 0%(D' =-u6Bwipe(right)*<3<* 0D' =%( DD' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* 0%(D' =-s6Bwipe(down)*<3<* 0D' =%(<DD' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* 0%(D' =-s6Bwipe(down)*<3<* 0D' =%(DF' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* 0%(D' =-u6Bwipe(right)*<3<* 0++0+01 ++0+ 01 ++0+ 01 ++0+ 01 ++0+ 01 +"4B  ^ 70/0 4/(  4 4 dm?Rectangle 105!6j  l12/01/09 - 9pm0U    4 dn?Rectangle 106!k   ~eSlide  P6466  The Financial Crisis and the Future of the P/C@8U@  @  4 dp?Rectangle 110a*D  j*8U    4  x q8?Rectangle 29*XW  1 Florida s No-Fault Fraud Tax: Estimated Cumulative Cost, 2009-2011F ($ Millions) Q~ 4 BA  ??Object 3P8    4 f@r?Rectangle 5"@<wE tCumulative Fraud Tax0Z"Zz H 4  ~`shZdh1?Rectangle 63" @PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK![3drs/downrev.xmlDN0 HCd$.Ka`e4!mp7t4IIB1o\+z ^A^ZD #%X.Xp극\S l])eҖq3Bty4\ZySSbG)x],vG(uy1Ad:ݎZvMTؘ LQ_ؗ97PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-![3drs/downrev.xmlPK^ JT,$D 1 bUnscrupulous Medical Providers and Attorneys Could Cost Honest Florida Drivers Billions of Dollars"c8 _c c `   4 3 `}0e0eGH|P0xM e`|X}đ I`߽N4aG2$RKIZ)4(M9`ctB{m:f@`3n|O,ܗr޾jxR0T ,0@}WBLǬ5vPK!d drs/shapexml.xmlUn8}_@H-;vu$tA"ň,)wf(_Z,E-ֈ:9siQ>hgC e+]ͳOgWl Y5^U>]c; m󬎱 A֪">ՠ*(! 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Estimates assume 11.288 million insured vehicles in FL in 2009-2011 (11.288 million is 2008 actual figure from AIPSO). Source: Information Institute calculations and research from ISO/PCI and AIPSO data. 60U   O@ 4 4 4 4 o"Zzh3f!}u___PPT10U+-+=&D!' = @B D' = @BA?%,( < +O%,( < +D' =%(%(D' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<*4%(D' =+4 8?RCBBCB#ppt_wB*Y3>B ppt_w<*4D' =+4 8?RCBBCB#ppt_hB*Y3>B ppt_h<*4D' =%(DF' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* 4%(D' =-u6Bwipe(right)*<3<* 4D' =%( DD' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* 4%(D' =-s6Bwipe(down)*<3<* 4D' =%(<DD' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* 4%(D' =-s6Bwipe(down)*<3<* 4D' =%(DF' =A@BBBB0B%(D' =1:Bvisible*o3>+#.<* 4%(D' =-u6Bwipe(right)*<3<* 4++0+41 ++0+ 41 ++0+ 41 ++0+ 41 ++0+ 41 +"+ 2*P(  P P  p~8?Title 19W  1 -Summary  P n ~?&Date Placeholder 2!6j  l12/02/09 - 6pm0U   M P rx?*Footer Placeholder 3!k   :eSlide  P6466  iii template8U   ) P ~ z?6Slide Number Placeholder 4a*D  j*8U   8 P \@{?,Content Placeholder 2"NHPK!Zf[Content_Types].xmlMO &2WR=cJ`F0iK`#̼vLw 9uSq:w`G ^i ½KI)c/ $oVjTMRc|}042ҥCƔM̏P~*ka/8^DkHbL8e i"K\XN\6rco4y@_;oPK!1_a _rels/.relsj0 ѽqCNo^K [ILcX&m߾0XFo;>0xM e`|X}đ I`߽N4aG2$RKIZ)4(M9`ctB{m:f@`3n|O,ܗr޾jxR0T ,0@}WBLǬ5vPK!drs/shapexml.xmlXMo6 x-DXe,`:=DZS@Ү_7(9 q87ӡRl/-kɇ1gRgu^}|:sj-S~Mb&M75hdP7RcM%yivJը0fiH/ +pE+?$[*MriؔZ4dp_> mƹ܈W~႑'YPZHz!^Cf7to@E"eؿM3d@\^ͧ7W3B'mu^12r#3+ U &TG` 54DYrG%clK>xY%"ӛd `%^96!388e(֫Hf;d-]pGQ˝p'GU{ɖc{1);X!w;Ggz2Dsڡֻz2wldFMr֔.]ܳ:0;U^N;Q?M!oPK!drs/downrev.xmlDJ1FlFMKX:Nn$SBsb5AȇޱYX;s}t(jy~¸#Wtc+C Bʠ;fn$N]ŘoxLp;,{NH_VF?vzjBŴ~iW^9{Sa$d,A.PK-!Zf[Content_Types].xmlPK-!1_a /_rels/.relsPK-!*drs/shapexml.xmlPK-!9drs/downrev.xmlPK=lIB:2___PPT9  No-Fault fraud is adding hundreds of millions of dollars in cost to Florida s auto insurance system today. If nothing is done to slow rapidly escalating fraud costs, auto insurance rates in Florida could rise sharply. No-fault fraud has already cost Florida vehicle owners and their insurers and estimated $853 million since 2008. This total could rise to $1.5 billion if the problem is left unchecked. The typical 2-car family in Florida could be required to pay what amounts to a  Fraud Tax totaling nearly $100 based on estimated 2010 no-fault fraud costs. Awareness among Florida consumers, regulators, legislators and law enforcement is low and must be raised in order to engage affected parties and combat fraud."0nUd  o"Zzh3f!___PPT10i.c0!e+D=' = @B +" ^ Ti(  T T T~?Rectangle 4#"@PK![Content_Types].xml|N0 HC+jS8 @:Q۸ ??\o<7p]V޷O(I'6E=, ){Ō4>I)q7UuDހǏ)}nL"Mᴸ&g0eSA)΄2';2 WYu7{ɯΒzŘqFrj9K*(]mOlPK!Z,[ _rels/.relslj0 ``t_Pƈ[>,dgzjǎ?I'f#®Pb-\/Ƿ0Z]nLnp__3.iJV KQBiDžrL,Vʌ/7р4`ANar+m;E/'3U Aںv83/PK!`,vdrs/downrev.xmlDAK1!6-*qLwdM<7[ e'A;+~,Ҷ{"Z$BʝmA2,AlQBcs ȦxNpSnP۴`G7k\~e7ϣ7X!??jO_NI,D9n/^C$/!]or>PK-![Content_Types].xmlPK-!Z,[ _rels/.relsPK-!`,vdrs/downrev.xmlPKj f;,$1 MThank you for your time and your attention! 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Vl *<yvR( #.sQR,KKN RU5Y\J`cgckor|v/z}"4Oh+'0 X`  P6466 - iii TemplateCall @ 866-2-eSlideShorna Lewis971Microsoft Office PowerPoint@ Tiu@^0՜.+,0   ( 0 :On-screen Show (4:3) insurance information institutef Arial WingdingsSymbolDefault Design1_Default DesignMicrosoft Graph ChartFNo-Fault Auto Fraud in Florida Trends, Challenges & Costs<Floridas Auto No-Fault Fraud Problem = Floridas Fraud TaxFloridas Anti-Fraud Statute#Definition of a Questionable ClaimIFlorida Casualty Referrals for Fraud: 1st Half 2010 vs. 1st Half 2009HFlorida Staged Accident Questionable Claims by Loss Type: 2008 vs. 2009)Average No-Fault Claim Severity, 2010:Q30Increase in No-Fault Claim Severity: 2004-2010*5New York State No-Fault Claim Severity, 19972010:Q3MFlorida No-Fault (PIP) Liability: Frequency and Severity Trends Are Adverse*BFlorida No-Fault (PIP) Claim Severity Is Trending Sharply Upward*CFlorida No-Fault (PIP) Claim Frequency Is Trending Sharply Upward*LFlorida No-Fault (PIP) Pure Premiums Are Trending Sharply Upward*LFlorida No-Fault (PIP) Pure Premiums Are Trending Sharply Upward*MFloridas No-Fault Fraud Tax: Estimated Cost per Insured Vehicle, 2009-2011FWFloridas No-Fault Fraud Tax: Estimated Aggregate Annual Cost, 2009-2011F ($ Millions)QFloridas No-Fault Fraud Tax: Estimated Cumulative Cost, 2009-2011F ($ Millions)Summary Slide 19  Fonts UsedThemeEmbedded OLE Servers Slide Titles$_# 1Shorna LewisShorna Lewis  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./012356789:;=>?@ABCEFGHIJKVRoot EntrydO)PicturesDBCurrent UserDSummaryInformation(4PowerPoint Document(#DocumentSummaryInformation8<