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  "notes": "Includes footnotes explaining the calculation of Core Operating Return on Equity and Premium Leverage.",
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      "text": "(1) Represents annualized core operating income for the period divided by average shareholders' equity; Average shareholders' equity equals the total equity at the reporting period end plus the total equity as of the beginning of the reporting period, divided by 2. (2) Represents annualized net premium earned for the quarter divided by prior year end shareholders' equity.",
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